Email based P2P (peer-to-peer) data processing system and data processing method

Abstract

The present invention relates to an email-based P2P data processing method and data processing system. The method comprises the following steps: binding an email address of a transfer initiator with a payment account of the transfer initiator, and binding an email address of a transfer recipient with a payment account of the transfer recipient; an email client of the transfer initiator sending a transfer notification email to an email client of the transfer recipient through an email server, and at the same time, the email client of the transfer initiator sending a transfer notification email to a payment server; the payment server sending a transfer instruction to a third-party payment gateway according to the transfer notification email; the third-party payment gateway feeding back a transfer result to the payment server; and the email server notifying the email client of the transfer initiator and the email client of transfer recipient of the transfer result by using an email. The present invention can simplify transfer and implement seamless cross-platform transfer.

Description

technical field [0001] The invention relates to an Email-based P2P mail processing system and a data processing method, in particular to an Email-based P2P account transfer system and an account transfer method. Background technique [0002] In the prior art, the following two methods are commonly used as the transfer method. [0003] The first way: online bank transfer. The transfer process is as follows: [0004] (1) Select the transfer bank and log in to the bank's online banking; [0005] (2) Input the transfer information elements (including the account number of the other party); [0006] (3) Confirm payment. [0007] The disadvantages of online bank transfer are as follows: [0008] (1) Bank online banking services are incompatible with each other, cross-bank services often need to install multiple clients or visit multiple websites, and the versatility is extremely poor; [0009] (2) It is necessary to perform multiple jumps between the payment client and the w...

AI Technical Summary

Problems solved by technology

[0008] (1) Bank online banking services are incompatible with each other, and cross-bank services often require the installation of multiple clients or access to multiple websites, which is extremely poor in versatility;

[0009] (2) Multiple jumps between the payment client and the web page are required, and the process is cumbersome;

[0010] (3) During the transfer process, it is necessary to enter the payee’s card number, payee’s name, notification phone number and other elemental information, which is prone to errors;

[0011] (4) It is difficult to operate on handheld mobile terminals such as smartphones

[0017] (1) The transfer process needs to be performed on the ATM machine, which cannot meet the transfer requirements in time;

[0018] (2) Due to the distribution of ATM machines, the transportation cost and time cost of transfer are too high, so it is not suitable for personal transfer;

[0019] (3) During the transfer process, it is necessary to enter the payee’s card number information, which is prone to errors

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