Xi 'an Bank Electronic Settlement Center Business Introduction

Brief introduction of centralized collection and payment business in Shaanxi Province

The centralized collection and payment business in Shaanxi Province means that the collection and payment unit (hereinafter referred to as the entrusting unit) entrusts the electronic settlement center of xi 'an Bank (hereinafter referred to as the collection and payment center) to put forward the collection and payment business instructions, and the collection and payment center is responsible for forwarding the business instructions to the bank where the entrusting unit opens an account through the micropayment system. The latter completes the collection and payment of funds through regular credit business or regular debit business, and returns the processing results to the collection and payment center and the entrusting unit.

The centralized collection and payment business in Shaanxi province can enable customers to choose any bank account (passbook, bank card), sign an authorization agreement at one time, and pay various fees such as telephone fee, mobile communication fee, water fee, electricity fee and insurance fee. And the business is directly initiated by the charging unit, and the bank directly deducts money from the customer's account without customer intervention.

Shaanxi centralized payment business platform has realized two major functions. One is to simplify the process for the payer to go to the bank for authorization of entrusted payment. The payer can sign an authorization agreement (package authorization) at the bank where the account is opened, and then open and terminate the payment relationship bound to any payee through the centralized collection and payment business platform. The second is to provide the service function of tracking the payer all the way. After the payment is successful, the payer can receive the bill in the form of SMS and can take the initiative to inquire.

Brief introduction of Xi 'an regional clearing (clearing) business

Xi 'an regional bill exchange (clearing) business refers to a payment method that is organized by branches of the People's Bank of China, adopts a corresponding model, follows certain procedures, absorbs financial institutions that open clearing accounts and handle payment and settlement business in the People's Bank of China in a certain area with the approval of the People's Bank of China, and regularly and centrally exchanges original vouchers, clears and collects and pays bill funds on behalf of the Bank in accordance with the principle of "payment first, collection later, balance settlement, and banks do not advance".

National check image exchange system business

The national check image exchange service refers to the comprehensive application of images, payment passwords and other technologies to convert paper checks into images and electronic clearing information, so as to intercept paper checks, and use the payment system network to transmit check images and electronic clearing information to the drawer's bank for prompt payment, so as to realize the national general check business processing system.