Online payment "electronic payment" service
I. Business Overview
(1) definition
"e-payment" means that individual online banking customers apply for opening the online entrustment authorization function through our personal online banking or merchant website, and bind their payment account with the individual entrustment number generated on the merchant website. Under the authorization of the individual payment customers, merchants directly apply for transactions from our online banking through the merchant's internal system, and complete relevant payments.
High-quality merchants or large enterprise customers can use our online payment "e-payment" service to make real-time payment and settlement in the withholding mode on the premise that customers are authorized by online banking;
After using our online payment "e-payment" service, individual customers can pay directly on the merchant's website without jumping to the online payment page of the bank to pay according to the traditional online payment mode.
(ii) Target audience
1. Applicable merchants
In principle, a merchant applying for the online payment "e-payment" service shall meet the following conditions:
It has been a long time to carry out business cooperation with our bank, and the scale of online payment business is large;
The industry has broad prospects for development, has high visibility and influence in the local or national scope, and has good qualifications and credibility;
Have strong technical development ability and perfect risk prevention mechanism;
Its business will not damage the development of our online payment business and the expansion of merchants.
2. Applicable to customers
"ePay" service is suitable for senior personal online banking customers who use CCB's online banking shield, online banking shield and dynamic password card.
(3) Features and advantages
Compared with the traditional payment mode, the main feature of "E-Pay" service is that individual payment customers can directly initiate and complete related payment transactions with merchants, thus greatly simplifying the online payment process, further improving the success rate of online payment for customers and improving customer experience satisfaction.
The advantages of this model are:
1, which simplifies the customer payment process and reduces the payment links by more than half;
2. It can effectively improve the success rate of online payment and help expand the market share of our bank in key merchants;
3. Greatly improve the customer's payment experience and improve customer satisfaction.
Second, the business process
(1) Procedures for merchants to apply for business opening
1. According to the Head Office's access conditions for online payment "ePay" merchants, the branch selects target high-quality merchants or large enterprise customers to discuss "ePay" business cooperation matters;
2. The branch and the merchant sign the "ePay" business cooperation agreement;
3. The branch sets up and opens a little access for "ePay" merchants in the background of enterprise channel integration platform (ECTIP), and the related functional parameters of "ePay" merchants;
4. The branch provides online payment and "ePay" technology development interface specifications to merchants;
5. Merchants develop and test online payment and "ePay" service interfaces according to technical interface specifications;
6. The merchant will officially operate after the trial operation.
(B) the handling process of individual customers
1, application process
Online payment "e-payment" service provides two different application methods for individual payment customers, namely, applying for opening through merchant website and directly applying for opening through our personal online bank. The specific process is as follows:
(1) Apply for opening through the merchant's website.
Step 1: Personal payment customers select CCB's personal online banking "ePay" service on the merchant website, enter account number, certificate type, certificate number, name and spare fields, fill in the limit of a single transaction (the limit does not exceed the limit set by the branch for the merchant in the background), and link to our personal online banking from the merchant website after confirmation;
Step 2: The customer logs into our online banking system, and the merchant sends the customer information to the online banking system. The online banking system judges whether the customer information of the merchant is consistent with the online banking system according to the account number, certificate type, certificate number and name verification information. If the verification is consistent, the system returns account information; If not, the system will report an error;
Step 3: After the account is verified, the personal online banking authorization page displays the authorized withholding merchant and authorization number (provided by the enterprise or merchant), and returns the entrusted withholding bank account number (personal online banking signing);
Step 4: Check the personal online banking authorization agreement, click "Agree", enter the online banking transaction password or dynamic password card password, select the ID number and confirm the authorization.
(2) Apply for opening directly through our online banking.
Step 1: Personal payment customers log in to the personal online banking system and select "ePay" service in the "Payment and Payment" function;
Step 2: The individual customer selects the name of the authorized merchant, and fills in the authorization number (provided by the merchant), the limit of individual customer's single transaction (not exceeding the limit set by the branch for the merchant in the background) and the bank payment account number. After reading and agreeing, he enters the online banking transaction password to confirm the authorization is completed.
2. Payment process
(1) The individual payment customer submits the payment request on the merchant website (fill in the payment amount and confirm);
(2) The merchant submits transaction information (including individual customer authorization number and amount) to the bank;
(3) The bank completes relevant transactions according to the transaction information submitted by the merchants, and feeds back the payment results to the merchants in real time.
3. Undo the process
Cancellation of "ePay" service means that individual payment customers choose to cancel "ePay" service in our personal online banking, and at the same time terminate the signed personal authorization agreement for online banking of China Construction Bank.
(1) Personal payment customers log in to our personal online banking system, select the "PayPal" service in the "Payment" function, and click Cancel Entrustment Authorization;
(2) The system lists the personal online banking authorization signed by the customer;
(3) Individual customers choose the corresponding merchant and authorization number, and click the Cancel Authorization button to confirm the cancellation.
Third, related questions and answers
1. What is the relationship between CCB's "ePay" and Shanda's "One Toll Pass"?
A: CCB's "ePay" is a new electronic payment method newly opened by CCB. At present, the unified application name of this payment model in Shanda Online Games is "One Charge".
2. What is the "ePay" business of CCB?
A: CCB's "e-payment" refers to the electronic authorization made by USBKEY customers in our online banking in advance to establish the corresponding payment relationship between CCB's personal bank account and Shanda Tong; Under the authorization of customers, Shanda Network directly initiated the deduction of customers' accounts through CCB Online Banking.
3. What are the requirements for launching the "E-Pay" business?
A: Customers who open the "ePay" business must be CCB's personal online banking customers. At present, it is only open to some merchants of our bank, including Shanda Network, Tenpay, Dianbaiqu Information Technology, Ninth City Computer Technology Consulting, Shengfutong E-commerce, etc.
4. What functions does EPS include?
Answer: "e-payment" business includes entrusted authorization, revocation of authorization, entrusted withholding and other businesses; Among them, the opening of entrusted authorization and entrusted withholding business is initiated from the merchant network system, and the revocation of authorization is realized in the personal online banking system of the Bank.
5. Take Shanda as an example. What is the authorization limit of "ePay"?
A: Authorization limit (individual single transaction limit) refers to the single transaction limit between individual customers and Shanda Network, which signed the entrustment authorization. At present, the "ePay" single transaction limit set by Shanda Network for customers is 5,000 yuan.
6. Take Shanda as an example. What is the authorization number of "ePay"?
A: The authorization number of "ePay" is provided by Shanda Network, which is the only identification number of the corresponding relationship between CCB personal bank account and Shanda Pass.
7. Taking Shanda as an example, how do individual customers handle the "ePay" business on the merchant website?
A: You only need to open the grand "One Charge", click CCB, and then jump to the authorization page of CCB "ePay" after confirmation; Enter the user's nickname/ID number, login password and additional code, and after passing, directly enter the online banking customer's "ePay" authorization page, display the merchant's name, authorization number (provided by Shanda Network) and single transaction limit, and select the entrusted authorization account; Read and agree to the license agreement; Enter the bank transaction password, select the ID number, and enter the USBKEY password to confirm the authorization.
8. Can I change my binding account after the launch of the "PayPal" service?
A: No, you can only cancel the original "ePay" business and reopen the "ePay" (or "one-point charge") business with the designated merchants.
9. Taking Shanda as an example, how to cancel the "ePay" business?
A: You only need to log in to CCB's personal online banking system and select Payment -ePay- Cancel the authorized business; The system will display the list of authorized electronic payment services, select the authorization to cancel, and then click Cancel Authorization to complete the transaction.
10. Taking Shanda as an example, how did "ePay" realize the withholding business?
A: You only need to submit a payment request to Shanda Network, and then Shanda Network is responsible for verifying the identity of individual customers (such as verifying the payment password); After Shanda Network passes the verification, it submits a debit instruction to CCB, and CCB deducts the customer's authorized account according to Shanda Network's instruction; Shanda Network shows the payment results to customers according to the withholding results fed back by our bank.
1 1.e-Pay account verification information is not available, how will the system prompt?
Answer: If the verification of certificate type (certificate number/name) is inconsistent, "Your certificate type (certificate number/name) is inconsistent, please verify that it is consistent with the merchant information" will be displayed; When the account numbers are inconsistent, "There is no matching account number in your online banking contracted account, please verify that it is consistent with the merchant's information" will be displayed to the customer.