CN110533404B - Red envelope payment method and system based on commercial bank intermediary - Google Patents
Red envelope payment method and system based on commercial bank intermediary Download PDFInfo
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- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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Abstract
The invention relates to a red envelope payment method and a system based on commercial bank intermediary, wherein the method comprises the following steps: (1) Editing a payment request on the system, wherein the payment request comprises the payment amount and the handling mode of a payer; (2) The payer submits a payment request, freezes corresponding payment amount in an account of the payer, and outputs a paper red packet selected or set by the payer; (3) Whether the system acquires the confirmation of the receiving party on the paper red packet within preset time or not, and if the system confirms the paper red packet, the system completes the payment request and remits the corresponding payment amount into the account of the receiving party; and if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party. The red envelope payment method based on the commercial bank intermediary reduces unnecessary cash circulation, can meet the free-gift requirement of resident customers, is convenient and secure, and has an automatic return function.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a red envelope payment method and system based on a commercial bank intermediary.
Background
Along with the rapid development of economy and the continuous promotion of urbanization in China, the interpersonal circle of residents is increasingly enlarged, the interpersonal relationship tends to be complex, the love is the cause, the chance of 'following the son' is obviously increased in the world, and the expression is more prominent particularly when important festivals such as marriage, promotion, birthday, residence, school and spring festival and the like of relatives and friends. In fact, the normal "follow-up" is an important social tool and form for expressing blessings, making harmony with relationships and promoting friendship among residents, and has become a social custom.
The residents 'servant' mainly have two forms of cash red packages and electronic red packages. Currently, what most residents used when at present is the cash red envelope, however, the cash red envelope often has a lot of problems: firstly, for a gift user, the cash and the red packet are not convenient to prepare, and if more cash is available, the cash is difficult to be completely placed in a small red packet, so that the cash is unsafe, unsanitary and unattractive, and the climbing ratio among friends can be caused, and the social significance of the red packet is remarkably reduced; secondly, for the gift-receiving person, it is not safe and sanitary to receive large amount of cash, and may even suffer from counterfeit money, or red packet loss, theft, etc. In addition, if the gift taker does not want to accept the red packet, the gift taker directly rejects the red packet, and embarrassment on the scene can cause adverse effects on the good relationship between the two parties; third, for the commercial bank, the liquidity problem will be faced, especially in the spring festival, the residents take lots of present at any time, and the daily liquidity management of the commercial bank is a test.
Another form is an electronic red packet in the internet, such as a WeChat red packet, however, the electronic red packet also has the following disadvantages: firstly, the electronic red packet is point-to-point, the gift-giver must make sure the account number of the other party, and if the account number of the other party is unknown, the electronic red packet of the gift-giver is difficult to send successfully; secondly, under the condition that friends are more in the social software, a gift user can mistakenly send an electronic red packet to a wrong object by an operation mistake, such as mistaken clicking, on electronic equipment such as a mobile phone, and the subsequent correction is embarrassed and troublesome; and thirdly, the electronic red envelope has no specific and beautiful physical carrier, does not have strong ceremonial sense, and cannot meet the actual demands of courtesy exchange among residents.
Therefore, a new red envelope form is needed, which can meet the objective requirements of the situation of residents and solve the problems one by one, and a red envelope form based on the function of the commercial bank payment intermediary and a noncash red envelope based on the commercial bank intermediary are produced.
Modern commercial banks generally have four basic functions: the system comprises a credit agency function, a payment agency function, a credit creation function and a financial service function, wherein the payment agency function refers to the function of a commercial bank for handling money for a client to pay and settle, and is a main mode of the commercial bank for attracting the client and providing financial services.
The non-cash red envelope product based on the commercial bank intermediary is essentially the innovative application of the commercial bank payment intermediary function in the field of resident communication and gift, and is in the form of the combination of a commercial bank payment certificate and a specific red envelope carrier. That is, the residents use the commercial bank to pay and settle accounts, and the bank payment voucher replaces cash with payment tools and modes such as the bill, the draft, the check, the remittance receipt and the like, and is placed in a special red packet of the commercial bank, so that the gift-bearing red packet required by the residents is formed.
Specifically, a resident client submits an application for handling a red envelope service to a commercial bank, the commercial bank opens a payment certificate of corresponding amount according to a payment settlement service method and the actual demand of the resident client, and the payment certificate is delivered to the resident client, and meanwhile, the resident client is guided to place the payment certificate in a special envelope provided by the commercial bank in a matching way, so that a gift-associated red envelope is formed. The resident client is used as a gift-giver and sends the red packet to a gift-taker. In a certain time, the gift receiver takes materials such as gift-carrying red packages, identity certificates and the like to go to a commercial bank to receive corresponding money. And the commercial bank transfers the money amount carried by the payment voucher from the bank account of the gift giver to the bank account of the gift recipient according to the related business rules, so that the transfer of the red packet between the gift giver and the gift recipient is completed.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a payment method of a red envelope based on a commercial bank intermediary, which reduces unnecessary cash circulation, can meet the requirement of residents on good gift, is convenient and guaranteed, and has an automatic return function.
In order to solve the technical problems, the technical scheme adopted by the invention is as follows: the red envelope payment method based on the commercial bank intermediary comprises the following steps:
(1) Compiling a payment request on a system, the payment request including a payment amount and a transaction mode of a payer;
(2) The payer submits the payment request, freezes the corresponding payment amount in an account of the payer, and outputs a paper red packet selected or set by the payer;
(3) Whether the system acquires the confirmation of the receiving party on the paper red packet within preset time or not is judged, and if the system confirms the receiving party, the payment request is completed and the corresponding payment amount is remitted to the account of the receiving party; and if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party.
By adopting the technical scheme, the payer edits and submits the payment request on the system, the system outputs the corresponding paper red packet according to the payment request, the payer sends the paper red packet to the receiving party, and the receiving party receives the corresponding money of the red packet if the receiving party completes the confirmation within the preset time; if the receiving party does not complete confirmation in the preset time, returning the amount corresponding to the red packet to the account of the paying party; the arrangement can reduce the circulation of cash, and accord with the custom of the resident customer's daily life, the payment amount can be set at will according to the situation, which is convenient and secure, and can prevent the lost cash from being falsely led by other people; and (3) if the payer does not finally confirm after submitting the payment request, returning the frozen amount.
A further improvement of the invention is that the paper red packet is a cashless red packet. The paper red packet output by the method is not cash and is a red packet voucher; aiming at different application scenes, a commercial bank makes a special corresponding red envelope to be matched with a payment tool for use, so that the social significance of the residents at present is more prominent.
The invention is further improved in that the paper red envelope is a bank payment certificate. The bank payment voucher is preferably, but not limited to, a self-service ticket or a check or a money order.
The invention is further improved in that the transaction modes in the step (1) comprise direct transaction and reservation transaction, and the payment request is directly submitted by the direct transaction; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website. The payment red packet can be directly transacted or transacted in a reservation mode in the transaction process, and a plurality of contents can be reserved.
The invention is further improved in that the step (1) further comprises editing the payment request of the user on a corresponding system of an intelligent counter or an internet bank or a mobile phone bank through the bank account of the payer if the bank account of the payer exists in a corresponding commercial bank system. If the payer has a corresponding bank account in the commercial bank system, the payment request can be edited in an intelligent counter or an online bank or a mobile phone bank or a bank counter; the process includes the steps of firstly applying for, depositing the amount of money, editing the payment request, prompting the handling fee and the handling form after the sufficient amount of money is confirmed, and selecting the handling form, so that the editing of the payment request is completed.
As a preferred technical solution of the present invention, the step (3) further includes, if the bank account of the recipient exists in the corresponding commercial banking system, performing a receipt confirmation on the corresponding system of the intelligent counter, the internet banking, or the mobile banking through the bank account of the recipient. If the corresponding bank account exists in the commercial bank system, the receiving party can carry out receiving verification and confirmation in an intelligent counter or an internet bank or a mobile phone bank or a bank counter, and if the verification is successful, the corresponding red packet amount is remitted into the bank account of the receiving party.
As a preferred technical solution of the present invention, the request of the payment request is confirmed in the step (3) to obtain the payment verification information therein, the payment verification information is verified, and if the verification is successful, the system gives confirmation to the payment request; and if the verification is unsuccessful, canceling the payment request and returning the payment amount to the account of the payer. The payment verification information comprises face recognition or/and a verification code.
As a preferred technical scheme of the invention, the payment method of the red envelope based on the commercial bank intermediary also comprises the step (4) of automatically recording and selecting or setting an answer to the credit by the receiver after the payment request is confirmed successfully, wherein the answer to the credit is displayed on the mobile phone bank or the internet bank or the mobile phone short message of the payer through the system; the bank payment voucher is preferably a promissory note or a check or money order. The collecting party automatically records the red packet in the system for subsequent gift giving, and can select the content of the award or edit and set the content of the award by himself; the management of the resident customers on the receipt and payment of the red envelope is facilitated, the service capacity of commercial bank products is improved, and the display mode of the content of the thank you is not limited to mobile banking, internet banking or short message service.
The invention also aims to solve the technical problem of providing a payment system of the red envelope based on the commercial bank intermediary, which reduces the unnecessary cash circulation, can meet the daily necessity of residents, is convenient and safe and has the function of automatic return.
In order to solve the technical problems, the invention adopts the technical scheme that: the red envelope payment system based on the commercial bank intermediary comprises an editing module, a submitting module, a verification processing module, a withdrawing module, an output module and a database, wherein the editing module is used for editing a payment request of a payer; the submitting module is used for submitting the payment request, and the verification processing module is used for verifying and confirming the payment request; the withdrawing module is used for withdrawing the payment request when the collection party does not confirm the payment request at the set time; the output module is used for outputting paper red packets; the database is used for storing payment request information, verification information, money record information, answer information and confirmation information. The verification processing module comprises a face recognition module and an information verification module.
As a preferred technical solution of the present invention, the red envelope payment system based on commercial bank intermediary further comprises an encryption module and a freezing module, wherein the freezing module is used for the payer submitting the payment request to freeze the corresponding payment amount in the account of the payer; the encryption module is used for encrypting the corresponding payment amount in the account of the payer after being frozen so as to be verified during extraction. The encryption module may be used in conjunction with the authentication processing module.
Compared with the prior art, the invention has the beneficial effects that:
1. replacing cash with a commercial bank payment instrument; compared with a cash red packet, the residents replace cash with payment tools, and the cash gift is not directly used, so that the cash red packet is more convenient, more attractive, safer and more sanitary. Through the quota red packet, the normal behavior of residents along with the rest is guided, and good social vitality is created; meanwhile, the payment tool can customize lucky amount by people, and the personalized demand of residents on social intercourse and daily life is met.
2. The commercial bank provides a specially-made red envelope; aiming at different application scenes, a commercial bank specially manufactures corresponding red envelope which is used in cooperation with a payment tool, so that the social meaning of residents along with the present is more prominent; compared with an electronic red packet, the red packet is a physical carrier, is particularly attractive, is more suitable for actual demands of residents for courtesy and future, and has strong ceremonial feeling.
3. And enhancing the product service function of the commercial bank. The commercial bank plays a role of a payment intermediary, and meanwhile, in order to meet the objective demand of current residents for daily use, the information advantages are utilized, a special business system is improved, the reservation function, the answer and award function, the recording function, the management function and the like of the red packet are added, the management of the residents on the red packet payment is facilitated, and the service capacity of commercial bank products is improved.
Drawings
The technical scheme of the invention is further described in the following with the accompanying drawings:
fig. 1 is a flowchart of a method for payment of a red envelope based on a commercial bank intermediary in combination with a commercial bank system according to embodiment 3 of the present invention.
Detailed Description
For the purpose of enhancing the understanding of the present invention, the present invention will be described in further detail with reference to the accompanying drawings and examples, which are provided for the purpose of illustration only and are not intended to limit the scope of the present invention.
Example 1: the red envelope payment method based on the commercial bank intermediary comprises the following steps:
(1) Compiling a payment request on a system, the payment request including a payment amount and a transaction mode of a payer; the transaction mode comprises direct transaction and reserved transaction, and the payment request is directly submitted by the direct transaction; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website;
(2) The payer submits the payment request, freezes the corresponding payment amount in an account of the payer, and outputs a paper red packet selected or set by the payer; the paper red packet is a cashless red packet; the paper red packet output by the method is not cash and is a red packet voucher; the paper red packet is a bank payment voucher comprising a note or a check or a money order;
(3) Whether the system acquires the confirmation of the receiving party on the paper red packet within preset time or not is judged, and if the system confirms the receiving party, the payment request is completed and the corresponding payment amount is remitted to the account of the receiving party; if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party; confirming the request of the payment request in the step (3) to obtain payment verification information therein, verifying the payment verification information, and if the verification is successful, giving confirmation to the payment request by the system; if the verification is not successful, the payment request is cancelled, and the payment amount is returned to the account of the payer; the face recognition and the verification code can be shared during verification, or only the face recognition is adopted;
(4) If the payment request is confirmed successfully, the payment request is automatically recorded and can be selected or set by the receiving party for a credit, and the credit is displayed in the mobile phone bank or the internet bank of the paying party or the mobile phone short message through the system. The receiving party can select the content of the answers or edit and set the content of the answers by himself after receiving the red packet.
Example 2: the red envelope payment method based on the commercial bank intermediary comprises the following steps:
(1) Compiling a payment request on a system, the payment request including a payment amount and a transaction mode of a payer; the transaction mode comprises direct transaction and reservation transaction, and the payment request is directly submitted by the direct transaction; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website; if the bank account of the payer exists in the corresponding commercial bank system, the payment request of the user can be edited on the corresponding system of the intelligent counter, the online bank or the mobile phone bank through the bank account of the payer;
(2) The payer submits the payment request, freezes the corresponding payment amount in an account of the payer, and outputs a paper red packet selected or set by the payer; the paper red packet is a cashless red packet; the paper red packet output by the method is not cash and is a red packet voucher; the paper red packet is a bank payment voucher comprising a note or a check or a money order;
(3) Whether the system acquires the confirmation of the receiving party on the paper red packet within preset time or not is judged, and if the system confirms the receiving party, the payment request is completed and the corresponding payment amount is remitted to the account of the receiving party; if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party; confirming the request of the payment request in the step (3) to obtain payment verification information therein, verifying the payment verification information, and if the verification is successful, giving confirmation to the payment request by the system; if the verification is not successful, the payment request is cancelled, and the payment amount is returned to the account of the payer; the step (3) further comprises receiving confirmation on a corresponding intelligent counter or an online bank or a mobile phone bank system through the bank account of the receiving party if the bank account of the receiving party exists in the corresponding commercial bank system; if the receiving party has a corresponding bank account in the commercial bank system, the receiving party can carry out receiving verification and confirmation in an intelligent counter or an online bank or a mobile phone bank or a bank counter, and if the verification is successful, the corresponding red packet amount is remitted into the bank account of the receiving party; if the verification is not successful, the payment request is cancelled, and the payment amount is returned to the account of the payer; the face recognition and the verification code can be shared during verification, or only the face recognition is adopted;
(4) If the payment request is confirmed successfully, the receiving party automatically records and can select or set the answer to the credit, and the answer to the credit is displayed on the mobile phone bank or the internet bank of the paying party or the mobile phone short message through the system. The receiving party can select the content of the answers or edit and set the content of the answers by himself after receiving the red packet.
Example 3: the red envelope payment method based on the commercial bank intermediary comprises the following steps:
(1) If the payer does not have an account of a commercial bank, opening a bank account and depositing the amount of money into the bank account to ensure that the amount of money of the bank account is sufficient, editing a payment request on a system, wherein the payment request comprises the payment amount and a handling mode of the payer, and prompting a corresponding commission charge if the payment amount of the red packet is set; selecting a transaction mode, wherein the transaction mode comprises direct transaction and reservation transaction, and the payment request is directly submitted by the direct transaction; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website; or the bank account of the payer exists in the corresponding commercial bank system, the payment request of the user can be edited on the corresponding intelligent counter or the system of the online bank or the mobile phone bank through the bank account of the payer, the payment request comprises the payment amount and the handling mode of the payer, the payment amount of the red packet is set, and then the corresponding commission charge is prompted; selecting a transaction mode, wherein the transaction mode comprises direct transaction and reserved transaction, and the payment request is directly submitted by the direct transaction; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website;
(2) The payer submits the payment request, freezes the corresponding payment amount in the account of the payer, deducts the commission fee, outputs the paper red packet selected or set by the payer after the confirmation of the payer, and pays Fang Qianshou; the paper red packet is a cashless red packet; the paper red packet output by the method is not cash and is a red packet voucher; the paper red packet is a bank payment voucher comprising a note or a check or a money order; if the payer does not finally confirm after submitting the payment request, the frozen amount can still be returned;
(3) The method comprises the steps that a collector confirms money, if the collector does not have an account of a commercial bank, a bank account is opened, a confirmation request is submitted, namely the system obtains confirmation of the collector on the paper red packet within preset time, confirms the request of the payment request to obtain payment verification information in the request, verifies the payment verification information, and if verification is successful, the system confirms the payment request, and then the payment request is completed and corresponding payment amount is remitted into the account of the collector; if the verification is not successful, the payment request is cancelled, and the payment amount is returned to the account of the payer; if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party; the face recognition and the verification code can be shared during verification, or only the face recognition is adopted;
if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party;
(4) If the payment request is confirmed successfully, the payment request is automatically recorded and can be used for selecting the content of the answer or editing and setting the content of the answer by a receiving party after the receiving party receives the red packet, and the answer is displayed on a mobile phone bank or an online bank or a mobile phone short message of the paying party through the system; the collecting party automatically records the red packet in the system for subsequent gift giving, and can select the content of the award or edit and set the content of the award by himself; the management of the residents on the payment and receipt of the red envelope is facilitated, and the service capacity of commercial bank products is improved.
Example 4: the red envelope payment system based on the commercial bank intermediary comprises an editing module, a submitting module, a verification processing module, a withdrawing module, an output module and a database, wherein the editing module is used for editing a payment request of a payer; the submitting module is used for submitting the payment request, and the verification processing module is used for verifying and confirming the payment request; the withdrawing module is used for withdrawing the payment request when the collection party does not confirm the payment request at the set time; the output module is used for outputting paper red packets; the database is used for storing payment request information, verification information, money record information, answer information and confirmation information. The verification processing module comprises a face recognition module and an information verification module; the commercial bank-based red envelope payment system further comprises an encryption module and a freezing module, wherein the freezing module is used for submitting the payment request by the payer to freeze the corresponding payment amount in the account of the payer; the encryption module is used for encrypting the corresponding payment amount in the account of the payer after being frozen so as to be verified during extraction; the encryption module may be used in conjunction with the authentication processing module.
By adopting the technical scheme, the circulation of the paper red packet made of cashless paper is realized through the payment method of the red packet based on the commercial bank intermediary, and various benefits can be obtained.
1. For the resident client, the product meets the requirement of the resident client on the present, which is convenient and secure. Compared with a cash red envelope and an electronic red envelope, the cash red envelope has the characteristics of convenience, sanitation and safety, is more convenient for customers, avoids the difficult problem that the customers need to take cash and buy the red envelope, has an attractive physical carrier, and has strong ceremonial feeling. In addition, the mobile phone bank, the internet bank and other equipment can be used for reserving operation, so that the time and the energy are saved. The full amount of the red packet is guaranteed, the commercial bank pays by the bill, and the fund operates in the commercial bank system, if the fund is lost, the fund can be lost, and the fund safety is guaranteed. The payment voucher casher needs to have a bank account, can trace the capital flow direction and frighten illegal encroachment.
2. For commercial banks, the product plays the role of a bank payment intermediary and improves market competitiveness. The commercial bank provides the residents with the financial products and services of the red envelope, and the relevant payment voucher is based on the bill and accords with the relevant supervision requirements. The commercial bank payment intermediary function is applied to the resident gift, on one hand, cash transfer is reduced, and daytime position management and liquidity management of the commercial bank can be facilitated; on the other hand, commercial banks are centered on customers, innovate products and services, create differentiation advantages, save resources, establish benchmarks, form new trends, attract more customers, and contribute to the improvement of market competitiveness.
3. For social benefits, the product conforms to the supply-side reform guide and creates a good social atmosphere. At present, normal red envelope gift is the objective condition among the resident's social process, and commercial bank provides corresponding red envelope financial product and service around the market demand, accords with the direction of the side reform of national financial supply. Residents are easy to dredge and difficult to block according to shares, commercial banks can actively guide reasonable daily gifts and harmonious exchanges among residents while fully meeting actual demands of the residents according to daily gifts through various forms such as quota and customized red packet, the ratio climbing psychology of the residents is reduced, and social wind and vigor are promoted to be positive.
4. From the economic benefit, the red packet product has larger economic benefit and is economically feasible. The related measurement is as follows:
(1) Macroscopic data
According to data published by the national statistical bureau, by the end of 2018, the national general population of China 13.9008 hundred million people, wherein the working population of 16-59 years old is 8.97 hundred million people, and the urban permanent population is 8.3137 hundred million people. In addition, in 2018, 1523 million people were born in the nationwide population; the civil administration departments at all levels and the marriage registration institution transact the marriage registration 1010.8 ten thousand pairs by law; the number of graduates of college students in China reaches 820 ten thousand, and the number of students in college, middle and primary schools is more.
(2) Measurement assumptions
Table 1: economic benefit measuring and calculating table
| Serial number | Gift gold (Yuan) | Ratio of gift of each level | Corresponding number of people (thousands of people) | Transaction amount (Yi Yuan) |
| 1 | 200 | 20.00％ | 556.03 | 11.12 |
| 2 | 400 | 40.00％ | 1,112.06 | 44.48 |
| 3 | 600 | 20.00％ | 556.03 | 33.36 |
| 4 | 800 | 10.00％ | 278.02 | 22.24 |
| 5 | 1,000 | 4.00％ | 111.21 | 11.12 |
| 6 | 10,000 | 3.00％ | 83.40 | 83.40 |
| 7 | 100,000 | 2.00％ | 55.60 | 556.03 |
| 8 | 200,000 | 1.00％ | 27.80 | 556.03 |
| Total up to | - | 100.00％ | 2,780.16 | 1,317.80 |
Assume one: 2% of the population in the country, i.e. 2780 ten thousand people use the product per time.
Assume two: the number of people with the gift sum of 200 yuan to 600 yuan is 80%, the number of people with the gift sum of more than 10000 yuan is 6%, and the remaining 14% of people with the gift sum is 600 yuan to 1000 yuan (see table 1 for details).
Suppose three: the average time that the gift amount settles at the commercial bank is 14 days.
Assume four: the corresponding yield of the deposition current capital adopts the marketization interest rate of the Renminbi, and the interest rate of the same industry demolition and release (SHICOR) between Shanghai banks in 1 day is 2.62100 percent in 7-31 months in 2019 and 1 day of the SHICOR.
Suppose five: the business bank enters 1 yuan per each part of handling fee related to the red envelope handling.
(3) Measurement and calculation results
In conclusion, the annual transaction amount of the product is estimated to be 1318 million yuan, the annual deposit life deposit is 50.55 million yuan, the income brought by the corresponding deposit is 1.32 million yuan, and the annual income of the product is estimated to be 1.60 million yuan (other incomes such as related settlement and remittance income and the like are not considered) by considering the income factor of the commission charge.
It is obvious to those skilled in the art that the present invention is not limited to the above embodiments, and it is within the scope of the present invention to adopt various insubstantial modifications of the method concept and technical scheme of the present invention, or to directly apply the concept and technical scheme of the present invention to other occasions without modification.
Claims (10)
1. A red envelope payment method based on commercial bank intermediary, comprising the steps of:
(1) Compiling a payment request on a system, the payment request including a payment amount and a transaction mode of a payer;
(2) The payer submits the payment request, freezes the corresponding payment amount in an account of the payer, and outputs a paper red packet selected or set by the payer;
(3) Whether the system acquires the confirmation of the receiving party on the paper red packet within preset time or not is judged, and if the system confirms the receiving party, the payment request is completed and the corresponding payment amount is remitted to the account of the receiving party; and if the receiving party does not confirm within the preset time, withdrawing the payment request and returning the payment amount to the account of the paying party.
2. The commercial bank agency-based red envelope payment method as recited in claim 1, wherein the paper red envelope is a cashless red envelope.
3. The merchant bank intermediary-based red envelope payment method of claim 2, wherein the paper red envelope is a bank payment voucher.
4. The method for payment of a red envelope based on an intermediary of a commercial bank according to claim 2, wherein the transaction modes in the step (1) comprise direct transaction and reservation transaction, and the direct transaction directly submits the payment request; the reservation transaction comprises reservation content, reservation type, reservation amount, reservation time and a confirmation website.
5. The method for payment of the red envelope based on the commercial banking broker as claimed in claim 4, wherein the step (1) further comprises editing the payment request of the user on a corresponding system of the smart counter or the internet bank or the mobile phone bank through the bank account of the payer if the bank account of the payer exists in the corresponding commercial banking system.
6. The method for payment of the red envelope based on the intermediary of the commercial bank as claimed in claim 5, wherein the step (3) further comprises confirming the receipt on the corresponding system of the smart counter or the internet bank or the mobile phone bank through the bank account of the receiver if the bank account of the receiver exists in the corresponding commercial bank system.
7. The method according to claim 6, wherein the request for payment request is confirmed in step (3) to obtain the payment verification information therein, and the payment verification information is verified, and if the verification is successful, the system confirms the payment request; and if the verification is unsuccessful, canceling the payment request and returning the payment amount to the account of the payer.
8. The method for payment of red envelope based on commercial bank broker as claimed in claim 7, wherein the method for payment of red envelope based on commercial bank broker further comprises step (4) if the payment request is confirmed successfully, automatically recording and selecting or setting the answer by the receiver, the answer will be displayed on the payer's mobile phone bank or internet bank or mobile phone short message through the system; the bank payment voucher includes a home ticket or a check or money order.
9. The commercial bank intermediary-based red envelope payment system is characterized by comprising an editing module, a submitting module, a verification processing module, a withdrawing module, an output module and a database, wherein the editing module is used for editing a payment request of a payer; the submitting module is used for submitting the payment request, and the verification processing module is used for verifying and confirming the payment request; the withdrawing module is used for withdrawing the payment request when the collection party does not confirm the payment request at the set time; the output module is used for outputting paper red packets; the database is used for storing payment request information, verification information, money record information, answer information and confirmation information.
10. The merchant bank intermediary-based red envelope payment system of claim 9, further comprising an encryption module and a freeze module for the payer to submit the payment request to freeze a corresponding payment amount in the payer's account; the encryption module is used for encrypting the corresponding payment amount in the account of the payer after being frozen so as to be verified during extraction.
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