CN110503413A - A kind of safe and efficient scheme of transferring accounts - Google Patents
A kind of safe and efficient scheme of transferring accounts Download PDFInfo
- Publication number
- CN110503413A CN110503413A CN201810477393.3A CN201810477393A CN110503413A CN 110503413 A CN110503413 A CN 110503413A CN 201810477393 A CN201810477393 A CN 201810477393A CN 110503413 A CN110503413 A CN 110503413A
- Authority
- CN
- China
- Prior art keywords
- deposit
- fund
- bank
- account
- accounts
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
Abstract
Traditional mode of transferring accounts all is to ask for bank of deposit and account to other side first, is the payment based on bank of deposit and account.Problem is: when transferring accounts, turning to identical bank of deposit, service charge may be zero;Different banks of deposit is turned to, the rate of service charge is different, and there may be height.Also, when transferring accounts: turning to identical bank of deposit, transfer accounts to reach in real time;Different banks of deposit is turned to, there is always in the ranks settling accounts, the time of transferring accounts is difficult to control.The reason of causing this problem to occur is: when transferring accounts, fund recipient does not often know that fund produces bank of deposit where the fund of people, that is, it is not associated with by fund recipient when informing fund produces its bank of deposit of people and account with the bank of deposit that fund produces people's fund.The technical problem to be solved by the present invention is to the methods by automation, carry out the matching of bank of deposit automatically when transferring accounts, so that the time transferred accounts is most fast, service charge is most saved.
Description
Technical field
The present invention relates to the technologies of transferring accounts, more particularly, to a kind of safe and efficient scheme of transferring accounts.
Background technique
Transfer accounts (transfer of account), refers to not directly using cash, but by bank by fund from payment
Account transfers a kind of bank money clearing form that collecting account completes currency receipt and payment.It is the development with banking and by
What step grew up.When settlement amounts are big, space length is remote, using the transfer and settlement of accounts, can accomplish safer, quick.Existing
Generation society, most commodity transactions and currency payment carry out all by way of the transfer and settlement of accounts.
Traditional mode of transferring accounts all is to ask for bank of deposit and account to other side first, is the branch based on bank of deposit and account
It pays.
Problem is: when transferring accounts, turning to identical bank of deposit, service charge may be zero；Turn to different banks of deposit, formality
The rate of expense is different, and may be divided into height.
Also, when transferring accounts, identical bank of deposit is turned to, transfer accounts to reach in real time；Different banks of deposit is turned to, there is always
It in the ranks settles accounts, the time of transferring accounts is difficult to control.
The reason of causing this problem to occur is that when transferring accounts, fund recipient does not often know that fund produces the fund institute of people
In bank of deposit, that is, it is not produced people's money with fund when informing fund produces its bank of deposit of people and account by fund recipient
Bank of deposit's association of gold.
Summary of the invention
The technical problem to be solved by the present invention is to the methods by automation, carry out of bank of deposit automatically when transferring accounts
Match, so that the time transferred accounts is most fast, service charge is most saved.
The technical scheme adopted by the invention is that:
A kind of safe and efficient scheme of transferring accounts, fund produce people and fund recipient all for its bank of deposit and account information and its hand
Machine binding, it is characterized in that: including server, step is；
(1) when fund produces, fund produce people by cell-phone number will transfer accounts requirement notice server；
(2) server is suitably opened an account by cell-phone number according to the bank of deposit and account binding information, automatic screening of fund recipient
Capable and account is transferred accounts；
(3) after the completion of transferring accounts, server, which will transfer accounts, to be completed information fund is notified to produce people and fund recipient respectively.
The suitable bank of deposit and account refer to and fund produce people there are identical banks of deposit with fund recipient, then should
Bank of deposit and account preferentially select.
The suitable bank of deposit and account can also most be saved from fund recipient by service charge and bind bank of deposit and account
It is selected in list.
The beneficial effects of the present invention are:
One, when transferring accounts, fund produces people can select cell-phone number to transfer accounts from the address list in oneself mobile phone, avoid fund reception
A possibility that people occurs mistake or is tampered during informing bank of deposit and account, so that it is safer to transfer accounts；
Two, when transferring accounts, bank of deposit and account by server automatic screening fund recipient make to transfer accounts more convenient, can more meet
Fund produces the requirement of people or fund recipient, accomplishes that the time is most fast, service charge most saves.
Specific embodiment
For problem set forth above, the technical scheme adopted by the invention is that:
A kind of safe and efficient scheme of transferring accounts, fund produce people and fund recipient all for its bank of deposit and account information and its hand
Machine binding, it is characterized in that: including server, step is；
(1) when fund produces, fund produce people by cell-phone number will transfer accounts requirement notice server；
(2) server is suitably opened an account by cell-phone number according to the bank of deposit and account binding information, automatic screening of fund recipient
Capable and account is transferred accounts；
(3) after the completion of transferring accounts, server, which will transfer accounts, to be completed information fund is notified to produce people and fund recipient respectively.
The suitable bank of deposit and account refer to and fund produce people there are identical banks of deposit with fund recipient, then should
Bank of deposit and account preferentially select.
The suitable bank of deposit and account can also most be saved from fund recipient by service charge and bind bank of deposit and account
It is selected in list.
The beneficial effects of the present invention are:
One, when transferring accounts, fund produces people can select cell-phone number to transfer accounts from the address list in oneself mobile phone, avoid fund reception
A possibility that people occurs mistake or is tampered during informing bank of deposit and account, so that it is safer to transfer accounts；
Two, when transferring accounts, bank of deposit and account by server automatic screening fund recipient make to transfer accounts more convenient, can more meet
Fund produces the requirement of people or fund recipient, accomplishes that the time is most fast, service charge most saves.
The suitable bank of deposit of automatic screening of the present invention and account are transferred accounts, and people can also be produced according to fund or fund connects
Other agreements for receiving people carry out.These agreements may include " credit " or " debit " attribute of account etc..As long as can influence to transfer accounts
Behavior, these behaviors, which can be presented in advance on mobile phone, produces people or fund recipient selection for fund, so that server can be with
Automatic screening is carried out accordingly, is just equal with the feature of technical solution of the present invention " automatic screening ".
Claims (3)
1. a kind of safe and efficient scheme of transferring accounts, fund produce people and fund recipient all for its bank of deposit and account information and its
Handset binding, it is characterized in that: including server, step is；
(1) when fund produces, fund produce people by cell-phone number will transfer accounts requirement notice server；
(2) server is suitably opened an account by cell-phone number according to the bank of deposit and account binding information, automatic screening of fund recipient
Capable and account is transferred accounts；
(3) after the completion of transferring accounts, server, which will transfer accounts, to be completed information fund is notified to produce people and fund recipient respectively.
2. suitable bank of deposit and account according to claim 1, it is characterized in that: referring to that fund produces people and deposits with fund recipient
In identical bank of deposit, then the bank of deposit and account preferentially select.
3. suitable bank of deposit and account according to claim 1 connect it is characterized in that: can also most save from fund by service charge
It receives and is selected in people binding bank of deposit and account list.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810477393.3A CN110503413A (en) | 2018-05-18 | 2018-05-18 | A kind of safe and efficient scheme of transferring accounts |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810477393.3A CN110503413A (en) | 2018-05-18 | 2018-05-18 | A kind of safe and efficient scheme of transferring accounts |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110503413A true CN110503413A (en) | 2019-11-26 |
Family
ID=68583968
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810477393.3A Pending CN110503413A (en) | 2018-05-18 | 2018-05-18 | A kind of safe and efficient scheme of transferring accounts |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110503413A (en) |
-
2018
- 2018-05-18 CN CN201810477393.3A patent/CN110503413A/en active Pending
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20191126 |
|
| WD01 | Invention patent application deemed withdrawn after publication |