Main advantages: the payer can handle all fund distribution business in one account, and the individual can handle all fund collection business in one account, which is convenient for account management. Electronic processing, 7×24 hours operation, safe, convenient and fast use of funds.
1. Explanation: This means that you can use this bank card to make loans. If you need money, you can apply to the bank, and then you can come down and prove that you have a good reputation before you can get such treatment. This is what it means.
In fact, this is a business handled by banks. This business relies on some small payment systems. Generally speaking, banks will provide users with some small loan services. This service is to realize regular payment between banks.
As we all know, banks will charge corresponding fees when they cross banks, so this business is suitable for paying wages, pensions, insurance benefits and so on. It is more convenient for us to pass this business.
Therefore, if you find funds in your business, it is actually a transfer made by a small real-time payment system, which may be issued by your company or returned by another party.
In addition, the whole process of business is handled electronically. This technology is relatively simple, easy to operate and not easy to make mistakes. In addition, it can be used 24 hours a day. Users use this service to make the transfer of funds more convenient and fast.
The second is the handling of micropayment business.
(1) Originating bank (initiating clearing bank)
The processing of issuing bank is the same as that of large payment.
② Dispatching center
The micropayment information received by the sending center should be immediately sent to the national processing center whose business is not covered by the city processing center. For the business covered by the city processing center, after the net settlement is made at the specified time point, the payment information will be distributed to the collection and settlement bank, and the net settlement result will be automatically sent to the national processing center immediately.
③ National Processing Center
After receiving the micropayment information from the sending center, the national processing center will classify it according to the receiving and clearing banks within the specified time and send it to the receiving and reporting center. At the same time, the difference will be settled by the direct participants and cleared through the clearing account management system.
(4) Receiving Center: Receiving the payment information from the national processing center and immediately forwarding it to the receiving and clearing bank.
(5) Regular net settlement: the city processing center can regularly calculate the difference of payment information and settle the funds through the national processing center.