小额支付业务（Small payment service）.docVIP

小额支付业务（Small payment service） First, the relationship between small payment system and payment system The micro payment system is a two layer star structure with the national processing center (NPC) as the core and the urban processing center (CCPC) as the access node, and runs with the large payment system on the same payment platform The central bank accounting system (ABS), the national treasury accounting system (TBS) and the city clearing system access the small payment system through the urban processing center (CCPC) Commercial banks, clearing organizations and other institutions through the front-end system (MBFE) and payment system CCPC connection; Treasury bonds, UnionPay, foreign exchange and city commercial bank bill handling system do not access small payment system, only deal with large payment business Two, small payment system business categories 1. ordinary credit business: mainly refers to below the prescribed amount Exchange Commission receivables (back), collection (back), interline transfer and remittance payments such as Treasury remittance business initiative. 2. regular credit business: the parties in accordance with the prior agreement, batch recurring payment, such as payment of wages, insurance etc.. The business is characterized by a single payer paying at the same time to multiple recipients 3. ordinary debit business: ordinary debit business as the payee by debit the payers account business, such as agent bank completed the authorized fiscal payment to the Treasury after the liquidation of funds between the bank and the peoples Bank of internal transfer for business. 4. regular debit business: the parties in accordance with the prior agreement, periodic batch debit business, such as utilities utilities such as gas gathering unit commissioned by the bank charges, the business characteristics of single to multiple payer payee receipt at the same time 5. real-time credit business: real-time credit business is initiated by the payer payee a