CN101093569A - A method for electronic funds transfer - Google Patents
A method for electronic funds transfer Download PDFInfo
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- CN101093569A CN101093569A CNA2006100280879A CN200610028087A CN101093569A CN 101093569 A CN101093569 A CN 101093569A CN A2006100280879 A CNA2006100280879 A CN A2006100280879A CN 200610028087 A CN200610028087 A CN 200610028087A CN 101093569 A CN101093569 A CN 101093569A
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Abstract
A method for making electronic remitence includes using remitter electronic mail box address to enter corresponding electronic account through user terminal, carrying out remitence onto payee electronic account corresponding to payee electronic mail box through electronic remitence system and sending remitence notification to payee electronic mail box by server.
Description
Technical field
The present invention relates to the electronic banking field, especially relate to a kind of handled easily, safe and reliable method for electronic funds transfer.
Background technology
Continuous progress, development along with modern society's economy, various trading activities are increased, in order to satisfy the needs of these trading activity capital settlements, bank and other financial mechanism provides various forms of capital settlement modes such as the funds transfer that comprises bank inside and inter-bank funds transfer.From the capital settlement mode that present bank and other financial mechanism provides, be the media of exchange all with traditional bank account.
The business of remitting money between traditional bank account at first wants the client to enter funds transfer system at electric terminal, remits money then.Need otherwise manually to notify the payee to collect money again after remitting money successfully, and the remittance fund all directly enters the account payee, the safety of transaction can't guarantee.
Along with the develop rapidly of science and technology, the network technology and people's life is close day by day.Traditional bank account number of the account is tediously long and be not easy to memory, and simultaneously, along with the exposure of the stolen case of various fund, people also more and more pay attention to individual privacy and account safety.
Summary of the invention
The technical matters that the present invention solves is to solve the deficiencies in the prior art, and a kind of handled easily, safe and reliable method for electronic funds transfer are provided.
For addressing the above problem, the invention provides a kind of method for electronic funds transfer, be used for remitting money between electronic account by electronic remittance system, this electronic remittance system comprises user terminal and server, this electronic account may further comprise the steps corresponding to an E-mail address:
The first step by user terminal, uses remitter's E-mail address to enter electronic account corresponding with it;
In second step, to another payee's electronic account that payee E-mail address should be arranged is remitted money by electronic remittance system;
In the 3rd step, server sends money order to the payee E-mail address.
The present invention also has following technical characterictic, and one of described remitter's E-mail address and payee E-mail address or while can be cell-phone number, if payee's cell-phone number then sends direct bank remittance service money notice to payee's mobile phone in the 3rd step.
The present invention also has following technical characterictic, and described electronic account sends money order to payee's mobile phone corresponding to an E-mail address and a phone number in described the 3rd step when the payee E-mail address sends circular mail.
The present invention also has following technical characterictic, and described money order comprises the once effective dynamic password that is generated by described server, unique remittance numbering, sender information, money transfer amount, postscript.
The present invention also has following technical characterictic, and after described the 3rd step, the remittance fund puts payee's electronic account automatically under.
The present invention also has following technical characterictic, after described the 3rd step, may further comprise the steps:
The 3A step is according to money order input remittance numbering, dynamic password, payee E-mail address or cell-phone number or account number;
In the 3B step, the remittance fund enters payee's electronic account.
The present invention also has following technical characterictic, and described second step is replaced by following steps:
In the 2A step, remit money to the payee E-mail address by electronic remittance system;
And after described the 3rd step, may further comprise the steps:
In the 3A step, the payee arrives bank outlets' enchashment with remittance numbering, dynamic password and payee's effective identity certificate of money order.
The present invention also has following technical characterictic, and described the 3rd step is replaced by following steps:
In the 3A step, enter operation pages by electric terminal;
In the 3B step, input remittance numbering and dynamic password select to reexchange operation;
The 3C step, remittance fund return remittance people electronic account.
By said method, the remitter does not need to remember the electronic account number of the account of tediously long difficult note again in the remittance process, only needs input e-mail address or phone number to get final product, convenient and safety.In addition, behind remittance, produce once effectively dynamic password at random, and this password only is sent in the payee by the mode of E-mail address or SMS, so can more increase the security of remittance.
Description of drawings
Below in conjunction with the drawings and the specific embodiments the present invention is further described.
Fig. 1 is the process flow diagram of first embodiment of a kind of method for electronic funds transfer of the present invention.
Fig. 2 is the process flow diagram of second embodiment of a kind of method for electronic funds transfer of the present invention.
Fig. 3 is the process flow diagram of the 3rd embodiment of a kind of method for electronic funds transfer of the present invention.
Fig. 4 is the process flow diagram of the 4th embodiment of a kind of method for electronic funds transfer of the present invention.
Embodiment
See also Fig. 1-shown in Figure 4, it has disclosed four embodiment of method for electronic funds transfer.Method for electronic funds transfer of the present invention, be used between electronic account, remitting money by electronic remittance system, this electronic remittance system comprises user terminal and server, this electronic account is corresponding to an E-mail address, the client at first should apply for and open professional version Web bank, comprises digital certificate (browser certificate or mobile certificate) version or dynamic password version;
In use, the client initiates the transaction of Email draft issued by transaction terminal (computer PC) logging in to online banks; Above-mentioned action also can be initiated at arbitrary site of bank cabinet face; Then, server can judge that whether Email address or phone number that the client imports preestablish the relation of keeping accounts, and provide corresponding transaction interface and dispensing and import field accordingly; Simultaneously, the client can select to set " password of withdrawing the money " and advice method thereof, further ensures the client trading fund security; Client's postscript is not limited by character length;
As traditional money transfer method, system can judge whether the balance of funding in the account that the previous step client selectes is enough to finish transaction; If of course, finish transaction immediately, and provide electronic edition remittance voucher to the client; If cannot, prompting client trading failure cause and treating method;
If what select in aforementioned remittance is the Email method of remittance, system sends the circular mail of remittance to the payee; If select the method for remittance of phone number for use, system sends the mobile phone notifying messages to the payee; If client's account is simultaneously related with E-mail address and phone number certainly, system also can select to send circular mail to the E-mail address simultaneously, again to phone number notifications note.No matter be circular mail or notifying messages, be money order, it comprises following content: unique remittance numbering, once effectively dynamic password and money transfer amount, sender information, remittance postscript, gathering guide etc.; If the remitter selects the Email method of remittance to set " password of withdrawing the money " simultaneously and selected in aforementioned remittance action and notifies the payee, then system is sending the money order mail or comprising this information when the payee sends the mobile phone notifying messages to the payee.
And the payee time can adopt following gathering mode in gathering: keep accounts automatically, Web bank's gathering (comprising digital certificate (browser certificate or mobile certificate) version or dynamic password version), the gathering of site cabinet face; The payee can also initiate initiatively to reexchange;
At first introduce and keep accounts automatically:
The gathering client also must apply for and open Web bank, comprises digital certificate (browser certificate or mobile certificate) version or dynamic password version;
In use the client is by transaction terminal (computer PC) login, with me Email address or phone number and my bank account setting corresponding relation;
Then, after remitter Email remitted money successfully, fund can put payee's electronic account of setting the relation of keeping accounts automatically automatically under; The payee can get the mail simultaneously and (or) SMS notice, inform the details of this remittance, and can inquire about the account trading detail by number of ways, check and accept, confirm.
In addition, if collect money by Web bank:
The gathering client also must apply for and open Web bank, comprises digital certificate (browser certificate or mobile certificate) version or dynamic password version;
In use, the client is by transaction terminal (computer PC) logging in to online banks, according to money order mail input remittance numbering, dynamic password, the password of withdrawing the money, collecting account, the operation of collecting money;
The payee is collecting money when operation, and system also can verification collecting account name in an account book and the payee name imported during remitter's draft issued when numbering, dynamic password, the password of withdrawing the money are remitted money in verification, and it is just successful only to check the transaction of consistent back.
Also can collect money by site cabinet face:
For the client who does not hold bank account, can collect money to arbitrary site cabinet face with my effective identity certificate and money order mail;
The payee is collecting money when operation, and system also can verification collecting account name in an account book and the payee name imported during remitter's draft issued when numbering, dynamic password, the password of withdrawing the money are remitted money in verification, and it is just successful only to check the transaction of consistent back.
Certainly the payee can initiatively reexchange:
For the non-automatic remittance that keeps accounts, the payee can also select to reexchange, and can pass through the client terminal self-help operation, also can arrive arbitrary site cabinet face and operate, and remittance numbering and corresponding dynamic password are checked by system when reexchanging;
The payee may not do any operation to gathering, for surpassing the collect money remittance of operation of month payee, and system's processing of reexchanging automatically; All funds of reexchanging all return to the former remittance abroad account of remitter; If undesired can not successfully the reexchanging of the former remittance abroad account status of remitter, the pending bank of fund specified account notifies the remitter to handle manual reexchanging to arbitrary site cabinet face.
In addition, E-mail address or phone number the payee can not correspond to any electronic account, the payee receives a remittance notice by the E-mail address after, can handle cash to arbitrary site cabinet face of bank according to effective proof of identification of information in the money order and individual gets, banking system verify its identity and the correctness of the information that provided after, the payee can successfully get cash.
Comprehensively above-mentioned, the present invention has finished inventor's goal of the invention, and by said method, the remitter does not need to remember the electronic account number of the account of tediously long difficult note again in the remittance process, only needs input e-mail address or phone number to get final product, convenient and safety.In addition, behind remittance, produce once effectively dynamic password at random, and this password only is sent in the payee by the mode of E-mail address or SMS; Simultaneously, the remitter can also be provided with the password of withdrawing the money that has only the remitter to know, the remitter can select to notify the payee by bank short message or other any-modes, so can more increase the convenience and the security of remittance.
Claims (10)
1, a kind of method for electronic funds transfer, be used between electronic account, remitting money by electronic remittance system, it is characterized in that: this electronic remittance system comprises user terminal and server, and this electronic account may further comprise the steps corresponding to one or more E-mail address:
The first step by user terminal, uses remitter's E-mail address or bank account to enter electronic account corresponding with it;
In second step, to another payee's electronic account that payee E-mail address should be arranged is remitted money by electronic remittance system;
In the 3rd step, server sends money order to the payee E-mail address.
2, method for electronic funds transfer as claimed in claim 1, it is characterized in that: one of described remitter's E-mail address and payee E-mail address or while can be cell-phone number, if payee's cell-phone number then sends direct bank remittance service money notice to payee's mobile phone in the 3rd step.
3, method for electronic funds transfer as claimed in claim 1 is characterized in that: described electronic account is corresponding to an E-mail address and a phone number, and described E-mail address can not have corresponding electronic account yet.
4, method for electronic funds transfer as claimed in claim 3 is characterized in that: send money order to payee's mobile phone in described the 3rd step when the payee E-mail address sends circular mail.
5, as claim 1 or 2 or 3 or 4 described method for electronic funds transfer, it is characterized in that: described money order comprises the once effective dynamic password that is generated by described server.
6, method for electronic funds transfer as claimed in claim 5 is characterized in that: described money order also comprises unique remittance numbering, sender information, money transfer amount, postscript.
7, as claim 1 or 2 or 3 or 4 described method for electronic funds transfer, it is characterized in that: after described the 3rd step, the remittance fund puts payee's electronic account automatically under.
8, as claim 1 or 2 or 3 or 4 described method for electronic funds transfer, it is characterized in that: after described the 3rd step, may further comprise the steps:
The 3A step is according to money order input remittance numbering, dynamic password, payee E-mail address or cell-phone number or account number;
In the 3B step, the remittance fund enters payee's electronic account.
9, as claim 1 or 2 or 3 or 4 described method for electronic funds transfer, it is characterized in that: be replaced by following steps in described the 3rd step:
In the 3A step, enter operation pages by electric terminal;
In the 3B step, input remittance numbering and dynamic password select to reexchange operation;
The 3C step, remittance fund return remittance people electronic account.
10, as claim 1 or 2 or 3 or 4 described method for electronic funds transfer, it is characterized in that: be replaced by following steps in described second step:
In the 2A step, remit money to the payee E-mail address by electronic remittance system;
After described the 3rd step, may further comprise the steps:
In the 3A step, the payee arrives bank outlets' enchashment with remittance numbering, dynamic password and payee's effective identity certificate of money order.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100280879A CN101093569A (en) | 2006-06-23 | 2006-06-23 | A method for electronic funds transfer |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100280879A CN101093569A (en) | 2006-06-23 | 2006-06-23 | A method for electronic funds transfer |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101093569A true CN101093569A (en) | 2007-12-26 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100280879A Pending CN101093569A (en) | 2006-06-23 | 2006-06-23 | A method for electronic funds transfer |
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| CN (1) | CN101093569A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101241583B (en) * | 2008-02-20 | 2011-09-21 | 中国工商银行股份有限公司 | Remittance path following system and method |
| CN102542440A (en) * | 2010-12-07 | 2012-07-04 | 联发科技股份有限公司 | Transaction information keeping method and mobile device thereto |
| CN102905237A (en) * | 2011-07-27 | 2013-01-30 | 冯元远 | Enhanced short message verification code |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN105027151A (en) * | 2012-10-12 | 2015-11-04 | 万事达信用卡国际有限公司 | Social payment method and apparatus |
| CN105100196A (en) * | 2015-05-29 | 2015-11-25 | 小米科技有限责任公司 | Method, device and system for processing notification information |
| CN105431870A (en) * | 2014-08-06 | 2016-03-23 | 深圳市银信网银科技有限公司 | Mailbox payment method and mailbox payment system |
| CN109863528A (en) * | 2016-11-18 | 2019-06-07 | 连株式会社 | Money transfer method and system |
| CN109891450A (en) * | 2016-12-13 | 2019-06-14 | 连株式会社 | Method of payment and system |
| CN111612608A (en) * | 2020-05-22 | 2020-09-01 | 支付宝实验室(新加坡)有限公司 | Remittance execution method and device and electronic equipment |
-
2006
- 2006-06-23 CN CNA2006100280879A patent/CN101093569A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101241583B (en) * | 2008-02-20 | 2011-09-21 | 中国工商银行股份有限公司 | Remittance path following system and method |
| CN102542440A (en) * | 2010-12-07 | 2012-07-04 | 联发科技股份有限公司 | Transaction information keeping method and mobile device thereto |
| CN102905237A (en) * | 2011-07-27 | 2013-01-30 | 冯元远 | Enhanced short message verification code |
| CN105027151A (en) * | 2012-10-12 | 2015-11-04 | 万事达信用卡国际有限公司 | Social payment method and apparatus |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN105431870A (en) * | 2014-08-06 | 2016-03-23 | 深圳市银信网银科技有限公司 | Mailbox payment method and mailbox payment system |
| CN105100196A (en) * | 2015-05-29 | 2015-11-25 | 小米科技有限责任公司 | Method, device and system for processing notification information |
| CN105100196B (en) * | 2015-05-29 | 2018-09-25 | 小米科技有限责任公司 | Notification information processing method, device and system |
| CN109863528A (en) * | 2016-11-18 | 2019-06-07 | 连株式会社 | Money transfer method and system |
| CN109891450A (en) * | 2016-12-13 | 2019-06-14 | 连株式会社 | Method of payment and system |
| CN109891450B (en) * | 2016-12-13 | 2023-09-22 | 连株式会社 | Payment method and system |
| CN111612608A (en) * | 2020-05-22 | 2020-09-01 | 支付宝实验室(新加坡)有限公司 | Remittance execution method and device and electronic equipment |
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Open date: 20071226 |