Basic overview of online banking collection:

Online banking payment is one of the most global payment gateways mature online payment functions of UnionPay, and it is also the preferred method of online payment for online users. It is one of the indispensable functions for domestic e-commerce enterprises to provide online business services. Its characteristic is that the bank card needs to keep the old-fashioned online banking payment function in advance, and when making payment, the bank card information is completely entered on the bank online banking page and the payment password is verified, which is stable, easy to use, safe and reliable. Currently, it supports debit cards and credit cards of more than 20 domestic banks.

Features:

1. High-efficiency and low-cost access to banks

Subsidiaries do not need to connect with multiple banks one by one, which reduces the cost of system development and protection, and does not require any investment in network hardware and labor costs, and can easily receive and pay online.

2, can be integrated without development

It is closely integrated with the bank to create a safe channel from the user to the bank to improve the user's confidence in the website. The smooth payment method and stable payment background ensure the stability of the transaction.

3. Easy access to the gateway

E-Link obtains the access interpretation documents of the platform supply specifications, and provides access samples in multiple network languages, making access more convenient and fast.

Relevant knowledge expansion:

The basic process of online collection

The general process of online collection based on the Internet platform is as follows:

1. The customer accesses the Internet (Internet), scans the product online through the browser, selects the product, fills in the online order, selects the network to be used to receive the settlement object, and obtains the authorization of the bank to use, such as bank card, e-wallet, e-cash, e-check or internet banking account, etc.

2. The client encrypts the relevant order information, such as receiving information, and submits the order online.

3. The merchant server checks and confirms the customer's order information, and forwards the relevant and encrypted customer receiving information to the receiving gateway until the bank's background business server on the bank's public network confirms it, in order to obtain information from the bank and other electronic sources. The coin issuer verifies that it is authorized to pay the funds.

4. After the bank verification is confirmed, the encrypted communication channel created through the receiving gateway will be sent back to the merchant server for confirmation and settlement information. For further security, the payment authorization request (or not) will be sent back to the customer.

5. After the bank loses the further authorized settlement information from the customer, it transfers the funds from the customer account to the bank account of the merchant conducting e-commerce, conducts settlement with the help of the special financial network, and sends the settlement success information to the merchant and the customer respectively. .

6. After receiving the settlement information from the bank, the merchant server will send the online payment information and delivery instructions to the customer. At this point, a typical online collection and settlement process is completed. Merchants and customers can separately use the Internet to inquire about their fund balance information for further verification.

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