Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method
A transferer and platform technology, applied in computing, payment architecture, data processing applications, etc., can solve problems such as privacy leakage, and achieve the effect of avoiding privacy risks, reducing time and communication costs, and avoiding capital risks
Pending Publication Date: 2020-03-31
CHINA UNIONPAY
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- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
In this prior art, the transfer-out party chooses the transfer-in account, which makes the platform need to inform the transfer-out party of the bank account information of the transfer-in party, resulting in unnecessary privacy disclosure
In addition, in this existing technology, user funds are frozen when the transfer is initiated, so there is a potential risk of funds
Method used
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Embodiment Construction
[0046] The following descriptions describe specific embodiments of the invention to teach those skilled in the art how to make and use the best mode of the invention. In order to teach inventive principles, some conventional aspects have been simplified or omitted. Those skilled in the art will appreciate that variations from these embodiments will fall within the scope of the invention. Those skilled in the art will appreciate that the features described below can be combined in various ways to form multiple variations of the invention. As a result, the invention is not limited to the specific embodiments described below, but only by the claims and their equivalents.
[0047] figure 1 is a schematic structural diagram of a transfer platform representing an embodiment of the present invention. Such as figure 1 As shown, the transfer platform 1000 includes a first receiving device 110 , a searching device 120 and a first sending device 130 . Wherein, the first receiving ...
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The invention provides an account transfer platform, which comprises a first receiving device used for receiving an account transfer request from a transfer-out acceptance mechanism, the account transfer request comprises transfer-in party information and an account transfer amount, and the transfer-in party information comprises a transfer-in party mobile phone number; a searching device which isused for searching a payment equipment number associated with the mobile phone number of the transfer-in party according to the mobile phone number of the transfer-in party; and a first sending device which is used for sending a transfer notice to a transfer-in acceptance mechanism corresponding to the payment equipment number so as to notify a transfer-in party to collect money, and the transfernotice comprises the payment equipment number and the transfer amount. The invention further provides a transfer-out acceptance mechanism, a computer storage medium and an execution method.
Description
technical field [0001] The invention relates to the field of transfer payment, in particular to a transfer platform, a transfer-in / out acceptance mechanism, a computer storage medium and an execution method. Background technique [0002] At present, the transfer and payment of mobile banking and online banking basically use the bank card number as the main target identifier. For example, the process of using a bank client to transfer between bank cards is as follows: first, the user enters the transferee's account name, card number, bank and transfer amount; then, the user verifies the withdrawal password and / or mobile phone verification code; Then, if the transferee's bank successfully verifies the account name and payee's account number, it will execute the transfer operation; finally, after the successful transfer, the bank will record the transferee's account name and card number, and the subsequent transfer can be done by clicking The way the record is auto-filled. ...
Claims
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Patent Timeline
Login to View More IPC IPC(8): G06Q20/32G06Q20/08G06Q20/34G06Q20/40
CPCG06Q20/325G06Q20/085G06Q20/3415G06Q20/401G06Q20/40G06Q20/34G06Q20/08
Inventor 鲁志军蒋海俭刘刚林晋任徐一唯章政金可威夏钦
Owner CHINA UNIONPAY