Bank bill obstacle-free payment platform

Abstract

The utility model provides an obstacle-free payment platform for bank bills; at first, payers carry out digital authorization about trade content in the trade authorizing system and confirms by private key signature; then the trade contents and authorized information are stored digitally by means of two-dimensional bar code technology; buyers and sellers return the digital paper bank bills to the Internet through trade submission system and trade transfer system; after passing safety verification of a trade auditing system, buyers and sellers can fulfill safe and real-time trade through a final trade balance system and a trade entering-account system and realize obstacle-free payment of paper bank bills. The utility model has the advantages of realizing safe and obstacle-free payment of paper bank bills by use of the Internet, guaranteeing the safety of trade, avoiding trade risk of financial enterprises in an unprecedented manner, reducing operation cost of financial enterprises and establishing an obstacle-free payment platform for paper bank bills for customers nationwide or even worldwide.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a barrier-free payment platform for bank bills. Background technique [0002] In commercial transactions, when using bank bills for transactions, the payee must go to the bank for verification and reconciliation because the payee cannot judge the authenticity of the bank bills provided by the payer, and whether the payment account has sufficient funds. After the payment, the transactions between the two parties can proceed normally. That is to say, it is impossible for enterprises to conduct secure real-time transactions with bank notes. , the bills in the same city need 1-2 days to be paid, and the bills in different places need 2-3 days to be completed, which not only restricts business transactions, restricts the use and circulation of bank bills, but also increases the labor load of enterprises and banks during working hours , in today's rapidly developing information age, ...

AI Technical Summary

Problems solved by technology

Although this method realizes the cross-regional settlement of bank bills, it still does not get rid of potential safety hazards. The transaction process is complicated and the transaction time is long, which increases the bank's labor load and transaction risks. Many, the transaction cost is high, and the transaction still cannot achieve real-time delivery

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