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System and method for accomplishing capital payment applying electro-check

A fund payment and electronic application technology, which is applied in special data processing applications, electronic digital data processing, instruments, etc., can solve problems such as inability to guarantee timely payment of user funds, long transaction time of users, and inability to use passwords, etc., to save transaction time , Simple and easy to implement, guarantee the effect of capital rights

Inactive Publication Date: 2004-12-29
金魁
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The check or credit card method that people use now to complete the payment of funds has the disadvantage that the user's transaction time is long, and the timely payment of the user's funds cannot be guaranteed, and the payment of funds is also limited by the location; passwords cannot be used in the payment of funds, and the security is poor.

Method used

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Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0013] The system of the present invention that uses electronic checks to complete fund payment includes a payer, a payer bank, a payee, a payee bank, a communication company, and a fund clearing organization; the bank is equipped with an electronic payment system to ensure that the payer pays within 24 hours; The fund clearing organization has a fund clearing system to ensure inter-bank fund exchange. In cities with clearing organizations, banks and communication companies can develop special programs to act as an agent for fund exchange; the communication network in the communication company realizes information transmission. Electronic check is an e-commerce business that provides intra-city or remote fund payment for natural persons. Electronic check is a form that can transmit information on the network, including payer name, account number, password, bank, amount, currency, transaction serial number , payee name, account number, bank, purpose, etc.

[0014] The prerequis...

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PUM

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Abstract

The electronic check system includes the electronic payment system in the bank, communication network, and fund clearing system. The specific payment process includes the following steps: the payer to obtain electronic check from bank, fill the check with trade sequence number with relevant paying information and cipher and send the filled check to the bank; the bank to exam the correctness and validity of the filled check, and shift the fund from the payer's account number to the payee's. The said system and method can complete the network payment in different areas.

Description

1. Technical field [0001] The invention relates to a system and method for users to use communication tools to complete transfer and payment of funds in the same city or in different places. 2. Background technology [0002] With the continuous development of society and the improvement of human civilization, people have changed from the previous cash transaction as the main payment method to check or credit card as the main payment method. The check or credit card that people use now to complete the method of fund payment has the disadvantage that the user's transaction time is long, and the timely payment of user funds cannot be guaranteed, and the payment of funds is also limited by the location; passwords cannot be used in fund payment, and the security is poor. 3. Contents of the invention [0003] In order to overcome the deficiencies of the prior art, the object of the present invention is to provide a system and method for completing capital payment using electroni...

Claims

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Application Information

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Inventor 金魁
Owner 金魁