Enchashment method and system based on third-party platform

Abstract

The invention discloses an enchashment method and system based on a third-party platform. The method comprises the following steps: a third-party platform receives an enchashment request submitted by a user through a mobile phone client side, and carries out feasibility verification; if the enchashment request passes the feasibility verification, a public account is used as a settlement account to make a cash transaction request to a bank, and meanwhile, a traction key applied to the cash transaction request is generated and sent to the mobile phone of the user; an ATM (automatic teller machine) terminal receives a user selection instruction and enters a third-party platform transaction channel, and verification information contained in the transaction key on the mobile phone of the user is obtained and is sent to a bank server side for verification; if the verification information passes the verification, the cash transaction request is permitted, and the cash transaction is finished by the ATM terminal; on the basis of the public account and a cash transaction result, a virtual cash account under the personal account of the user is synchronously updated. According to the enchashment method and system, a convenient and quick enchashment method is provided for the user through the third-party platform, meanwhile, the data handling capacity of the bank is reduced, and working efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of e-commerce and network finance, in particular to a cash withdrawal method and system based on a third-party platform. Background technique [0002] First of all, the vigorous development of e-commerce has driven the development of mobile Internet and Internet finance, making online transactions and payment technologies based on Internet technology increasingly mature, and third-party payment platforms represented by Alipay have emerged as the times require. Secondly, traditional financial services are increasingly being challenged by Internet finance. So far, the financial transactions that Internet finance can achieve have basically covered the non-cash transactions of traditional finance. Thirdly, the expansion of the boundary between traditional finance and Internet finance is bound to become a major trend of global financial development in the future. [0003] At present, the payment function of the ...

AI Technical Summary

Problems solved by technology

At the same time, offline customers only have to open a bank card in the bank in advance, and then apply for the online payment function to realize online electronic transactions, resulting in relatively lagging and inconvenient services

In addition, the reason why Internet finance has been unable to realize the function of direct cash withdrawal is that it cannot meet the needs of supervision. Various online currencies have always been the red line of financial supervision.

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