Safe and rapid account transfer scheme

Abstract

A traditional account transfer mode is to ask an opening bank and an account from each other first, and is payment based on the opening bank and the account. The problems are as follows: during account transfer, the same opening bank is turned to, and the service charge may be zero; for different opening banks, the rates of the service fees are different and may be different; during account transfer, the same opening bank is turned, and account transfer can be achieved in real time; and inter-bank settlement always exists when different opening banks are turned, and the transfer time is difficult to control. The reason why the problem occurs is that a fund receiver often does not know the opening bank where the fund of the fund transfer-out person is located during transfer, that is, the fund receiver does not associate the fund transfer-out person with the opening bank of the fund of the fund transfer-out person when informing the fund transfer-out person of the opening bank and the account number of the fund transfer-out person. The technical problem to be solved by the invention is to automatically perform matching of an opening bank during account transfer through an automaticmethod, so that the account transfer time is fastest, the service charge is most saved and the like.

Description

technical field [0001] The invention relates to money transfer technology, in particular to a safe and fast money transfer scheme. Background technique [0002] Transfer (transfer of account) refers to a bank currency settlement method that does not use cash directly, but transfers money from the paying account to the receiving account through the bank to complete the currency receipt and payment. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is long, it can be safer and faster to use transfer settlement. In modern society, the vast majority of commodity transactions and monetary payments are carried out by transfer settlement. [0003] The traditional method of transfer is to ask the other party for the opening bank and account number first, and it is based on the opening bank and account number for payment. [0004] The problem is: when transferring funds, if you transfer to the same ba...

AI Technical Summary

Problems solved by technology

[0004] The problem is: when transferring money, if you switch to the same bank, the handling fee may be zero; if you switch to a different bank, the handling fee rate is different, and there may be high or low.

[0005] Moreover, when transferring money, if you transfer to the same bank, the transfer can arrive in real time; if you transfer to a different bank, there will always be inter-bank settlement, and the transfer time is difficult to control

[0006] The reason for this problem is that when transferring funds, the fund recipient often does not know where the account-opening bank of the fund-sender’s funds is located. The account opening bank association of the transferer's funds