CN111292073B - Offline payment system and method based on payment platform - Google Patents
Offline payment system and method based on payment platformDownload PDFInfo
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- CN111292073B CN111292073BCN202010047736.XACN202010047736ACN111292073BCN 111292073 BCN111292073 BCN 111292073BCN 202010047736 ACN202010047736 ACN 202010047736ACN 111292073 BCN111292073 BCN 111292073B
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Abstract
Description
[ field of technology ]
The invention belongs to the technical field of computer system application, and particularly relates to an offline payment system and method based on a payment-receiving platform.
[ background Art ]
According to statistics of the national administration, the small micro enterprises recorded in the directory of the small micro enterprises in China reach 7328.1 thousands of households by the end of 2017. According to the measurement and calculation, china has newly increased small micro enterprises to nearly 1500 thousands of households before 2020. Many small micro-enterprises do not build information systems due to the consideration of enterprise scale, operation cost and the like. With the vigorous development of mobile payment in recent years, market share of the unique collection and payment business originally belonging to banks is continuously eaten by silkworms. And from the start of the release of the water charge by the payment device in 2008, each third party payment platform accelerates the pace of the intake collection and payment business market and strives for the market share with banks. By 8 months in 2019, a total of 270 payment license plates are issued before and after the central row, minus 4 license plates are cancelled, minus 1 license plate is not passed, and a total of 265 payment license plates remain. The main third party payment platforms such as payment treasures, weChat payments, union business, fast money, one wallet and the like all provide pay-for-pay services. The third party payment platforms do not require merchants to build an information system, and are simple enough that the merchants only need to provide a two-dimensional code on a stall, and users can finish payment by sweeping, so that obvious preemption and squeezing effects are generated for the collection and payment business of the bank.
Most banks provide a collecting and paying service for merchants at present, and the implementation mode is mainly that a bank system is connected with a merchant information system through a private line or the Internet, and when the collecting and paying service is handled for a user, the bank system can inquire information of a paying person, an amount to be paid, a paying state and the like from the merchant information system in real time; after the payment is successful, the bank system also informs the merchant information system of the successful payment, and the merchant information system updates the payment state according to the notification sent by the bank system.
For example, the publication number is CN1753012a, the chinese patent of the invention, "a compatible general payment system and method", with publication date of 03 and 29, discloses a general construction scheme of a payment system by connecting a standard transaction terminal server with an intermediate service platform, when a standard transaction terminal initiates a transaction request, the transaction request is sent to a communication front-end processor by the standard transaction terminal, and the communication front-end processor converts the transaction request into a standard protocol and then forwards the standard protocol to the intermediate service platform; business process processing units in the intermediate business platform perform business processing according to the transaction request; when the intermediate service platform finishes processing, directly returning the processing result of the standard protocol to the standard transaction server; or the processing result of the standard protocol is returned to the front-end terminal, and the front-end terminal carries out protocol conversion and then returns to the transaction terminal processor.
The general payment system mentioned above has the following drawbacks: 1. the arrearage information is stored in a merchant information system, and a banking system must establish a network link with the merchant information system so as to inquire and acquire the arrearage information; 2. the column names and prompt languages of the user operation interface are fixed, for example, the search items of the payment list are uniformly called a payment number on the interface, and for a user who pays through self-service equipment, if the user prompts 'please input the payment number' on the interface, the user does not know whether the user inputs a meter number, a water meter number, an identity card number, a school number or a mobile phone number; 3. the payment notification function is not provided, the user cannot be reminded of timely payment through an instant messaging tool such as a mobile phone short message, an APP system message and the like, and if the user does not inquire the payment information in time, the payment expiration date is easy to miss, so that various adverse effects are generated, and the user experience is affected.
Under the new situation, banks must perform product innovation in strong competition to improve user service satisfaction.
[ invention ]
The invention aims to solve the technical problem of providing an offline payment method for a payment platform, which realizes the payment function without depending on a merchant information system.
The invention is realized in the following way:
an off-line payment system based on a payment platform comprises a transaction terminal and a bank payment platform, wherein the transaction terminal comprises: a teller terminal and a client terminal;
the bank pay-for-sale platform comprises:
the single real-time payment module is used for handling single payment business;
the single-stroke current day compensation module is used for carrying out positive compensation treatment on a single-stroke real-time payment service completed by the teller terminal in the current day;
the entrusting relation maintenance module is used for transacting entrusting relation subscription, subscription account changing or entrusting relation offering for the paying clients, and when the paying clients sign entrusting payment agreements, the background system can finish payment for the clients in a batch payment way;
the batch deduction module is used for completing batch deduction business for the customers, and the background system completes payment for the customers in a batch deduction mode under the condition that the payment customers sign a proxy agent protocol;
the unified account checking module is used for checking accounts among the systems, and after business operation is finished every day, the background system automatically checks the transaction data of the systems to generate an account checking result;
the automatic transfer maintenance module is used for configuring transfer parameters of the payment funds;
the automatic transfer module is used for transferring the payment funds from the collection account in the bank to the collection account appointed by the merchant according to the parameters configured by the automatic transfer maintenance module;
the system also comprises a simulated merchant module, wherein the simulated merchant module comprises:
the system automatically creates a consignment project for the consignment unit when creating merchant information, and binds an account number;
the offline payment client information management module is used for managing payment client information and comprises client information inquiry, modification, deletion and data export functions;
the offline payment information management module is used for payment information management and comprises payment information inquiry, payment batch revocation and data derivation functions;
the off-line payment interface maintenance module is used for setting field names of the payment interfaces, customizing the transaction interfaces according to common nouns in daily life of merchants or users, and facilitating the operation of the users;
the offline payment batch file processing module is used for adding or deleting the information of the payers in batches and uploading arrearage information in batches;
and the offline payment information notification module is used for sending payment items, payment numbers, payment amounts and payment expiration date information to the client in a mobile phone short message or APP system message mode to remind the client of timely payment.
An offline payment method based on a payment platform comprises the following steps:
step 1: the teller maintains external unit information through an off-line payment unit information management module, when the system creates the external unit information, the system automatically establishes a consignment item for the consignment and collection account number, and simultaneously sets batch payment time, and a bank payment collecting platform automatically initiates a batch payment request according to the configured time to complete batch payment service;
step 2: setting a column name displayed on an offline payment interface by a teller through an offline payment interface maintenance module, setting a payment list searching item and a payment list display item according to a noun commonly used in daily life of a merchant or a user, so that the user can finish self-service payment service according to a prompt and the column name on the interface without checking an operation manual when paying;
step 3: the teller uploads customer information of the payor through an offline payment batch file processing module, wherein the payment information comprises a payment item, a payment code, a payment amount and a payment expiration date; after the payment information is imported, the background system also sends the payment information to a client mobile phone through an offline payment information notification module;
step 4: the teller inquires the amount and the payment state information of the payor through an off-line payment information management module, wherein the information comprises detail inquiry and summary inquiry, and the revocation treatment can be performed on a certain appointed batch during the summary inquiry;
step 5: the teller manages the payment client information through an offline payment client information management module, and comprises client information inquiry, modification, deletion and data export functions;
step 6: the user pays to business sites according to the received mobile phone short messages, or pays by self-service through mobile phone banks, weChat banks, general finance convenience points and ATM/CRS;
step 7: the single daily offset is used for performing the daily offset processing of the single real-time payment service completed by the teller terminal; when the bank website teller performs single real-time payment, if the transaction error is found to be required to be processed, the processing of the transaction is finished through the existing single daily offset transaction of the payment collecting platform;
step 8: the teller can transact commission relation subscription, subscription account number change or commission relation release for the paying client through the commission relation maintenance module, and when the paying client signs commission deduction agreement, the background system can finish paying for the client through a batch deduction mode;
step 9: batch replacement buckling: when a payment client signs a consignment deduction agreement, a batch deduction background processing process in a bank deduction system initiates batch deduction transaction according to batch deduction time set in an off-line deduction unit information management module, and the system automatically completes batch deduction processing;
step 10: unified account checking: at the end of each day, the existing collection and payment system of the bank takes the data of the core accounting system as the standard, firstly checks accounts with the core accounting system, and then checks accounts with the simulated merchant system according to the checking results of the core accounting system;
step 11: automatic transfer maintenance of funds for payment: when the collected account maintained by the offline payment unit information management module is the bank internal account, the teller finishes the automatic transfer parameter maintenance of the payment funds through the automatic transfer maintenance module of the payment funds;
step 12: automatic transfer of funds for payment: when the collection account number maintained in the offline payment unit information management module is a bank internal account number, the intermediate service platform transfers the payment funds from the internal collection account to the public account designated by the commission unit according to the configured payment funds automatic transfer parameters.
The invention has the advantages that:
the invention realizes the collecting and paying function under the condition of not depending on the merchant information system; meanwhile, a payment interface is customized according to industry terms of different merchants, so that the user can pay fees conveniently; and after the payment information is imported, the user can be reminded of timely payment through modes such as a mobile phone short message, an APP system message and the like. According to the invention, the simulated merchant system is newly added in the bank, in the architecture design, the external communication front-end is used for docking with the simulated merchant system, so that the consistency of the simulated merchant system and a real service scene is ensured as much as possible, meanwhile, the problems of data migration and system docking after the information system is built by a third party in the future are also considered, and the workload in the future data migration and system docking can be effectively reduced through docking with the simulated merchant system by the external communication front-end. Meanwhile, the system can customize payment interfaces according to industry terms of different merchants/users, so that the user can pay fees conveniently; and after the payment information is imported, the user can be reminded of timely payment through modes such as a mobile phone short message, an APP system message and the like.
[ description of the drawings ]
The invention will be further described with reference to the accompanying drawings, in which embodiments are shown.
Fig. 1 is a schematic diagram of an application architecture of the present invention.
Fig. 2 is a schematic diagram of a service architecture according to the present invention.
Fig. 3 is a schematic diagram of a business process according to the present invention.
FIG. 4 is a schematic diagram of a system deployment of the present invention.
[ detailed description ] of the invention
Referring to fig. 1, an offline payment collecting system based on a payment collecting platform realizes the completion of payment collecting without depending on a third party information system by constructing a merchant simulating system in a line on the basis of the existing transaction front end and payment collecting platform.
The front end of the transaction is a channel display layer of the system and can be divided into two categories, namely an employee channel and a client channel, wherein the employee channel is a common bank teller terminal, a teller can send a transaction request to a business processing layer for processing through the teller terminal, and after receiving a processing result returned by the business processing layer, the front end interface displays transaction result information.
The business processing layer comprises a main business flow processing unit, and after receiving a transaction request sent by the front-end system, the business processing layer selects a corresponding business processing unit for processing;
the data access layer is an encapsulated data access interface and comprises a file access interface and a database access interface, wherein the file access interface is used for accessing data stored in a file, and the database access interface is used for accessing data stored in a database;
files and databases holding data, also referred to as data storage layers, are used for the persistent saving of business data;
the implementation of the overall system also relies on some infrastructure, such as networks, operating systems, servers, etc., to provide the underlying support functions.
The whole system comprises a transaction terminal, an existing collection and payment platform of a bank and a newly-built simulation merchant module.
The transaction terminal comprises a teller terminal and a client terminal, wherein a teller can establish entrusting unit information through the teller terminal (namely a counter system), import payment client information and payment information, configure field names displayed by a payment interface and transact a single real-time payment service for a client; the payment client can inquire and pay the arrears through the client terminal (such as mobile phone bank, personal internet banking, weChat bank, ATM/CRS, and general finance and convenience point).
The bank existing pay-as-you-pay platform comprises:
and the single real-time payment module is used for handling single payment business. The payment client can not only request the teller to help the bank, but also pay by self-help through the personal internet banking, mobile phone banking, weChat banking, ATM/CRS, general finance and convenience point and other equipment;
the single-stroke current day compensation module is used for carrying out positive compensation treatment on a single-stroke real-time payment service completed by the teller terminal in the current day;
the entrusting relation maintenance module is used for transacting entrusting relation subscription, subscription account changing or entrusting relation offering for the paying clients, and when the paying clients sign entrusting payment agreements, the background system can finish payment for the clients in a batch payment way;
the batch deduction module is used for completing batch deduction business for the customers, and the background system completes payment for the customers in a batch deduction mode under the condition that the payment customers sign a proxy agent protocol;
the unified account checking module is used for checking accounts among the systems, and after business operation is finished every day, the background system automatically checks the transaction data of the systems to generate an account checking result;
the automatic transfer maintenance module for paying funds is used for configuring transfer parameters of paying funds, and when the collection account of the payment service is an internal account of a bank, the transfer parameters of funds, such as a collection unit account, a transfer frequency of funds, transfer time of funds, whether the holiday is forward or not, and the like, need to be configured;
the automatic transfer module is used for transferring the money from the collection account in the bank to the collection account (to the public account) appointed by the merchant according to the parameters configured by the automatic transfer maintenance module;
the simulated merchant module comprises:
the offline payment unit information management module is used for establishing entrusted collection unit information (namely merchant information), and when the system builds merchant information, the system automatically builds entrusted items for the entrusted units and binds the entrusted account numbers;
the offline payment client information management module is used for managing payment client information and comprises the functions of client information inquiry, modification, deletion, data export and the like;
the offline payment information management module is used for payment information management and comprises functions of payment information inquiry, payment batch revocation, data export and the like;
the off-line payment interface maintenance module is used for setting field names of the payment interfaces, so that the transaction interfaces can be customized individually according to common nouns in daily life of merchants/users, and the operation of the users is facilitated;
the offline payment batch file processing module is used for adding or deleting the information of the payers in batches and uploading arrearage information in batches;
and the offline payment information notification module is used for sending information such as payment items, payment numbers, payment amounts, payment expiration dates and the like to the client in a mode such as mobile phone short messages, APP system messages and the like, and reminding the client of timely payment.
Referring to fig. 2, the service architecture diagram of the offline payment system includes a front-end display and interaction interface, including a teller terminal, a mobile phone bank, a personal internet bank, a WeChat bank, an ATM/CRS, a general finance convenient point, and a teller or a payer can interact with a background system through the front-end display interface to complete arrearage inquiry and payment processing; the teller terminal is communicated with the intermediate service platform through the enterprise-level service bus and the inline communication front-end; the mobile banking, the personal online banking, the WeChat banking and the small-amount convenience point need to send the transaction request to the electronic banking service platform firstly, and the electronic banking service platform sends the transaction request to the intermediate service platform through the enterprise-level service bus and the inline communication front; the intermediate service platform is a unified service logic processing system of the bank intermediate service, and the completion of the intermediate service platform comprises consignment project information management, consignment relation maintenance, consignment and consignment, account checking, fund transfer and the like, but the accounting processing is required to be completed by a core accounting system; for batch deduction service, the intermediate service platform is responsible for generating batch deduction files, sending batch deduction files and batch deduction requests to the unified batch platform, and completing batch deduction processing by the unified batch platform; when the day is finished, the middle service platform is also subjected to account checking with the core system and the simulated merchant system respectively through a unified account checking interface by taking the transaction data of the core system as the standard (when the online collection and payment are carried out instead of the online collection, the account checking is directly carried out with the merchant information system after the account checking is carried out between the middle service platform and the core accounting system); after checking, the collection account of the funds collected by the payment fund is an internal account of the bank, and the intermediate service platform also needs to inform the core accounting system to transfer the funds collected by the payment fund to the public account appointed by the consignment unit.
The simulation merchant system is a background system for simulating a third party, in order to make the simulation system consistent with a real scene as much as possible, and also consider the problems of data migration and system butt joint after a new system of a later third party, when the architecture design is adopted, the simulation merchant system is required to interact with an intermediate service platform through a front communication, after payment information is imported, the simulation merchant system also generates a payment information file, sends the payment information file to a short message platform through the intermediate service platform, and then sends the payment information to a mobile phone of a payment user in a short message mode through the short message platform, and the short message platform also needs to send system information to all subscribers (mobile phone banks and WeChat banks).
Referring to fig. 3, the offline payment method in the embodiment of the invention includes:
step 1: the teller maintains external unit information (namely, consignment collection unit customer information including unit name, unit address, contact name, mobile phone number, consignment project name, management mechanism, collection account number, transaction abstract and the like) through an offline payment unit information management module. When the system creates external unit information, a consignment item is automatically built for the consignment collection unit, an aggregation account (namely, a collection account, which can be an internal account of a bank or a public settlement account opened by the consignment unit at the bank) is bound, meanwhile, batch deduction time can be set, and an existing collection and payment platform of the bank can automatically initiate a batch deduction request according to the configured time to complete batch deduction service;
step 2: the teller sets the column names displayed on the offline payment interface through the offline payment interface maintenance module, and the payment list search item setting and the payment list display item setting can be set according to the common nouns in daily life of merchants/users, so that the users can easily complete self-service payment service according to prompt words and column names on the interface without checking an operation manual when paying;
step 3: the teller uploads the customer information of the payors through the offline payment batch file processing module, the information of the payors can be deleted in batches, and meanwhile, the payment information can be uploaded in batches, wherein the payment information comprises payment items, payment codes, payment amount, payment expiration date and the like; after the payment information is imported, the background system also sends the payment information to a client mobile phone (comprising a mobile phone short message and an APP system message) through an offline payment information notification module;
step 4: the teller can inquire the information such as the amount to be paid, the payment state and the like of the payer through an off-line payment information management module, wherein the information comprises detail inquiry and summary inquiry, and can also cancel a certain appointed batch when the inquiry is summarized;
step 5: the teller can manage the payment client information through an off-line payment client information management module, and the functions comprise client information inquiry, modification, deletion, data export and the like;
step 6: the user pays to business sites according to the received mobile phone short messages, or pays by self-service through mobile phone banks, weChat banks, general finance convenience points and ATM/CRS;
step 7: the single daily offset is used for the daily offset processing of the single real-time payment service completed by the teller terminal. When the bank website teller performs single real-time payment, if the transaction error is found to be required to be processed, the processing of the transaction is finished through the existing single daily offset transaction of the payment collecting platform;
step 8: the teller can transact commission relation subscription, subscription account number change or commission relation release for the paying client through the commission relation maintenance module, and when the paying client signs commission deduction agreement, the background system can finish paying for the client through a batch deduction mode;
step 9: batch replacement buckling: when a payment client signs a consignment deduction agreement, a batch deduction background processing process in the existing collection and payment system of a bank can initiate batch deduction transaction according to batch deduction time set in an off-line collection unit information management module, and the system can automatically complete batch deduction processing;
step 10: unified account checking: at the end of each day, the existing collection and payment system of the bank takes the data of the core accounting system as the standard, firstly checks accounts with the core accounting system, and then checks accounts with the simulated merchant system according to the checking results of the core accounting system;
step 11: automatic transfer maintenance of funds for payment: when the collected account maintained by the offline payment unit information management module is the bank internal account, a teller can complete automatic payment fund transfer parameter maintenance through the automatic payment fund transfer maintenance module;
step 12: automatic transfer of funds for payment: when the collection account number maintained in the offline payment unit information management module is a bank internal account number, the intermediate service platform transfers the payment funds from the internal collection account to the public account designated by the commission unit according to the configured payment funds automatic transfer parameters.
Referring to fig. 4, a system deployment schematic diagram of the present invention is shown, wherein the system completes an offline payment service by creating a simulated merchant system based on the existing payment platform of a bank. The newly added counter exchange is deployed on the existing front-end server, and the background subsystem is directly deployed on the existing intermediate service application server without adding any hardware equipment.
The pay-by-pay service has stronger service driving capability and value creation capability, is beneficial to enhancing the viscosity of clients, consolidating the client base of banks, and is beneficial to expanding public deposit and increasing the income of intermediate services; is beneficial to the cross marketing of personal customer series products. The user pays the demand of all kinds of daily expenses through all kinds of platforms and exists for a long time, and the commission income that pay for business brought to the bank is long-term stable, pay for business in the bank in basic, strategic position, holds huge business opportunity, and will grasp the market competition, the key will see the science and technology, only the science and technology supports in place, and the business is developed more effectively, and the product is more competitive.
According to the simulated merchant system based on the existing collection and payment platform of the bank, the merchant does not need to establish an information system, the collection and payment function is realized completely through the internal system of the bank, great convenience is provided for collection and payment business of vast small and micro enterprises and institutions, customer satisfaction is improved, and industry competitiveness and brand value of the bank are also improved.
The foregoing is merely illustrative of the preferred embodiments of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (2)
1. An off-line payment system based on a payment platform comprises a transaction terminal and a bank payment platform,
the transaction terminal comprises: a teller terminal and a client terminal;
the bank pay-for-sale platform comprises:
the single real-time payment module is used for handling single real-time payment business;
the single-stroke current day compensation module is used for carrying out positive compensation treatment on a single-stroke real-time payment service completed by the teller terminal in the current day;
the entrusting relation maintenance module is used for transacting entrusting relation subscription, subscription account changing or entrusting relation offering for the paying clients, and when the paying clients sign entrusting payment agreements, the background system can finish payment for the clients in a batch payment way;
the batch deduction module is used for completing batch deduction business for the customers, and the background system is used for completing payment for the customers in a batch deduction mode under the condition that the payment customers sign a proxy agent protocol;
the unified account checking module is used for checking accounts among the systems, and after business operation is finished every day, the background system automatically checks the transaction data of the systems to generate an account checking result;
the automatic transfer maintenance module is used for configuring automatic transfer parameters of the payment funds;
the automatic transfer module is used for transferring the money from the collection account in the bank to the collection account appointed by the payment client according to the parameters configured by the automatic transfer maintenance module;
the method is characterized in that: the system also comprises a simulation merchant module;
the simulated merchant module comprises:
the system automatically establishes a consignment project for the consignment unit when establishing the consignment and collection unit information and binds an account number;
the offline payment client information management module is used for managing payment client information and comprises client information inquiry, modification, deletion and data export functions;
the offline payment information management module is used for payment information management and comprises payment information inquiry, payment batch revocation and data derivation functions;
the off-line payment interface maintenance module is used for setting field names of the payment interfaces and customizing the transaction interfaces according to common nouns in daily life of merchants or users;
the offline payment batch file processing module is used for newly adding or deleting payment information of payment clients in batches and uploading arrearage information in batches;
and the offline payment information notification module is used for sending payment items, payment numbers, payment amounts and payment expiration date information to the client in a mobile phone short message or APP system message mode to remind the client of timely payment.
2. An off-line payment method based on a payment platform is characterized in that: the method is realized by an offline payment system based on a payment-collection platform as claimed in claim 1, and comprises the following steps:
step 1: the teller maintains payment client information through an offline payment unit information management module, when the system creates the payment client information, the system automatically establishes a consignment project for the consignment and collection account number, and simultaneously sets batch payment time, and a bank payment platform automatically initiates a batch payment request according to the configured time to complete batch payment service;
step 2: setting column names displayed on an offline payment interface by a teller through the offline payment interface maintenance module, setting a payment list searching item and a payment list displaying item according to names commonly used in daily life of merchants or users;
step 3: the teller uploads payment information of the payment clients through the offline payment batch file processing module, wherein the payment information comprises payment items, payment codes, payment amount and payment expiration date; after the payment information is imported, the background system also sends the payment information to a client mobile phone through an offline payment information notification module;
step 4: the teller inquires the payment amount and payment status information of the payment client through the offline payment information management module, wherein the payment information comprises detailed inquiry and summary inquiry, and the teller can also perform the revocation treatment on a certain appointed batch during the summary inquiry;
step 5: the teller manages the payment client information through an offline payment client information management module, and comprises client information inquiry, modification, deletion and data export functions;
step 6: the user pays to business sites according to the received mobile phone short messages, or pays by self-service through mobile phone banks, weChat banks, general finance convenience points and ATM/CRS;
step 7: the single daily offset is used for performing the daily offset processing of the single real-time payment service completed by the teller terminal; when a bank website teller performs single-stroke real-time payment, if the transaction error is found to be required to be corrected, the correction processing can be completed through a single-stroke current day offset module of the collecting and paying platform;
step 8: the teller can transact commission contract signing, contracted account changing or commission releasing for the paying clients through the commission maintenance module, and when the paying clients sign commission deduction agreements, the background system can finish paying for the clients through a batch deduction mode;
step 9: batch replacement buckling: when a payment client signs a consignment deduction agreement, a batch deduction background processing process in a bank deduction system initiates batch deduction transaction according to batch deduction time set in an off-line deduction unit information management module, and the system automatically completes batch deduction processing;
step 10: unified account checking: at the end of each day, the bank agent receiving and paying system takes the data of the core accounting system as the standard, firstly checks accounts with the core accounting system, and then checks accounts with the simulated merchant according to the checking results of the core accounting system;
step 11: automatic transfer maintenance of funds for payment: when the collection account bound by the offline payment unit information management module is a collection account in a bank, a teller finishes automatic transfer parameter maintenance of the payment funds through a payment funds automatic transfer maintenance module;
step 12: automatic transfer of funds for payment: when the collection account number bound in the offline payment unit information management module is a bank internal account number, the intermediate service platform automatically transfers the payment funds from the internal collection account to a payment account designated by a payment client according to the configured payment funds transfer parameters.
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| CN113706108B (en)* | 2021-08-27 | 2025-05-13 | 中国建设银行股份有限公司 | Provident fund payment method, device, electronic device and computer readable medium |
| CN115696236A (en)* | 2022-10-28 | 2023-02-03 | 中国银行股份有限公司 | Payment reminder information sending method and device |
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