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Method and system for processing transaction data and payment system

A technology of transaction data and processing methods, which is applied in the field of data processing, can solve the problems of cumbersome data processing procedures and low security, and achieve the effects of reducing the risk of money escaping, improving security, and reducing capital risks

Inactive Publication Date: 2009-10-28
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0008] The technical problem to be solved by the present invention is to provide a transaction data processing method, system and payment system to solve the problem of cumbersome data processing procedures and low security caused by the temporary transfer of funds to a third-party organization in the current transaction method question

Method used

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  • Method and system for processing transaction data and payment system
  • Method and system for processing transaction data and payment system
  • Method and system for processing transaction data and payment system

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Embodiment Construction

[0056] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0057] The invention provides a safe transaction data processing method, which is an improvement to the existing non-face-to-face transaction method based on a third-party organization. In the existing method, during the transaction process, the resources owned by one party to the transaction are temporarily stored in a third-party organization, but the present invention changes this transaction method, and the resources of both parties to the transaction do not pass through a third-party organization during the entire transaction process , so it can avoid the problem of losses to both parties due to the security risks of the third-party organization.

[0058] refer to figure 2 , is a flowchart of a non-face-to-face transaction ...

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Abstract

The invention discloses a method and a system for processing transaction data and a payment system, solving the problem of complicated data processing procedures and low security in the prior transaction method. The method comprises the steps: sending an advance payment request to a third party system by a first user terminal; notifying a bank system to freeze the advance fund data in a first user account by the third party system according to the advance payment request; freezing the advance fund data in the first user account by the bank system according to an instruction of the third party system; sending a confirmation payment request to the third party system by the first user terminal; and notifying the bank system to unfreeze the advance fund data by the third party system according to the confirmation payment request and transferring the advance fund data from the first user account to a second user account. The invention is unnecessary to deposit to the third party organization before the transaction is finished and only freeze the part of the fund data, thereby reducing the processing procedures of the transaction data and ensuring the security of the transaction.

Description

technical field [0001] The invention relates to data processing technology, in particular to a transaction data processing method, system and payment system. Background technique [0002] An existing resource interaction method is that the first user owns resource A, the second user owns resource B, and the first user and the second user realize the interaction between resource A and resource B through a third-party organization. The specific interaction process is as follows: A user sends resource A to the third-party organization for temporary storage, and the third-party organization notifies the second user that the first user has sent resource A, and the second user sends resource B to the first user after receiving the notification. A user notifies the third party organization after receiving the resource B, and the third party organization sends the temporarily saved resource A to the second user, and the interaction process ends. In this way, the first user owns res...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q20/38
Inventor 袁学李洁易敏昕
Owner CHINA UNIONPAY
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