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Transaction handling system and transaction handling method based on instalment plan business

An installment payment and transaction processing technology, applied in the financial field, can solve problems such as low business processing efficiency, high business processing cost, waste of resources, etc., and achieve the effect of facilitating cardholders, improving efficiency, and improving utilization rate

Active Publication Date: 2007-08-22
CHINA UNIONPAY
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  • Abstract
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AI Technical Summary

Problems solved by technology

[0008] The purpose of the present invention is to provide a transaction processing method and transaction processing system based on installment payment business, to solve the waste of resources caused by the lack of cross-bank transfer and clearing technology in the prior art, low business processing efficiency, and business processing costly technical issues

Method used

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  • Transaction handling system and transaction handling method based on instalment plan business
  • Transaction handling system and transaction handling method based on instalment plan business

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Embodiment Construction

[0036] The present invention will be described in detail below in conjunction with the accompanying drawings.

[0037] Please refer to FIG. 1 , which is a schematic structural diagram of the transaction processing system based on the installment payment service of the present invention. It includes: a terminal device 11 installed in a merchant, a receipt subsystem 12 , an inter-bank exchange subsystem 13 and a card issuing subsystem 14 . The cross-bank exchange subsystem 13 can be connected to several acquiring subsystems 12 and card issuing subsystems 14. Similarly, the same acquiring subsystem 12 can also be connected to several merchant terminal devices 11, and several different acquiring subsystems can be set in the same merchant. The institution's terminal equipment 11 (such as a POS machine). in,

[0038] Terminal device: connected to the acquiring subsystem 12, used to initiate an installment payment service request and receive a transaction request response returned ...

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Abstract

This invention relates to a trade process system based on a budget plan service including: a terminal device set at a shop owner, a subsystem for collecting bills, a cross-trade exchange subsystem and a card-issuing subsystem, in which, the trade process flow includes: 1, the terminal device set at the shop owner initiates a budget plan request by the bill-collecting subsystem, 2, the cross-trade subsystem receives a consumed trade report sent by the bill-collecting subsystem to judge it is a trade of budget plan, processes it and transfers it to a corresponding card-issuing subsystem, 3, the system processes the request and feeds back trade request response containing if the issuing subsystem allows the authorization, 4, the cross-trade subsystem feeds back the response to the bill-collecting subsystem to inform cardholders, which utilizes the current cross-trade networks to realize sharing resources by muiltiple card-issuing units.

Description

technical field [0001] The invention relates to a transaction processing method and a transaction processing system in the financial field, in particular to a transaction processing method and a transaction processing system based on installment payment business. Background technique [0002] With the further development of the financial industry, new businesses emerge in an endless stream, and the sharing of resources among various financial institutions to maximize the joint advantages between financial institutions and avoid duplication of business investment has become the focus of today's financial industry. big trend. However, there are still many business transaction processing processes that take each financial institution as a unit, and each financial institution completes the processing of a certain business by its own financial institution through its own network, terminal equipment, and human resources. The investment of various financial institutions leads to a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G06Q20/00G06Q20/24
Inventor 戚跃民陈建康建明杨绪森叶强曾昭智盛超
Owner CHINA UNIONPAY
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