6 results about "Bank account" patented technology

The invention provides a system and method for facilitating secure payments to a payee. In accordance with the invention, a payee can enroll and/or register with a customized account processing center (CAPC). The CAPC can include payment information about the payee, such as the payee's account number and the payee's preferred payment format. When a payee is registered and elects payment via electronic funds transfer, the CAPC issues instructions to the bank to transfer funds from the payer's bank account to the payee's bank account which may be at the same bank or at a different bank. The CAPC can also create a detailed record of payment histories which are accessible to the payee. The CAPC also can send a notification to the payee when a payment is made.

The embodiment of the invention discloses a method and a system for transferring accounts through a mobile phone. The method comprises the following steps: the binding relationship between the bank account and the unique identifier of a mobile phone of a first user, and between the bank account and the unique identifier of a mobile phone of a second user are respectively established; the first user signs a contract with a bank, and the function of transferring accounts of the mobile phone of the first user is activated; the first user logs on a mobile phone bank system, and the mobile phone bank system verifies the identity of the first user; the user sends a request for transferring accounts through the mobile phone; the request for transferring accounts comprises the unique identifier of the mobile phone of the second user and transfer amount; and the mobile phone bank system transfers an account fund corresponding to the unique identifier of the mobile phone of the first user to the account corresponding to the unique identifier of the mobile phone of the second user, according to the request for transferring accounts. In the embodiment of the invention, a client can transfer funds without knowing an account number, thereby enabling the transfer to be more flexible and improving the efficiency of transferring funds.

The embodiment of the invention provides a method and device for identifying a batch account, at least for solving the technical problem of how to identity a batch account. The method comprises steps:the behavior record information of a to-be-identified account is acquired, wherein the behavior record information represents the behavior of account registration and/or use; the behavior record information of other accounts is acquired; based on the behavior record information of the to-be-identified account and the behavior record information of other accounts, the similarity degree between theregistration and/or use behaviors of the to-be-identified account and those of other accounts is calculated; and if the similarity degree reaches a preset degree, the to-be-identified account is identified as a batch account.

The application provides a cross-border linkage processing method and system, and a domestic and foreign issuing bank data processing system. The method includes the following steps: a domestic issuing bank data processing system freezes a credit line designated by a guarantor, and the credit granting frozen amount of the guarantor is endowed to a resident client abroad; according to the credit granting frozen amount of the guarantor, resident client abroad information and guarantor credit card account-related information, credit granting data is generated, and are sent to an abroad issuing bank data processing system; the abroad issuing bank data processing system receives the credit granting data; a foreign credit line is obtained according to the credit granting data, and a credit card is issued to the resident client abroad according to the foreign credit line; and a foreign credit bank account of the resident client abroad is associated with the guarantor credit card account, and an association result is sent to the domestic issuing bank data processing system. The cross-border linkage processing method can realize issuing of the foreign credit card to the resident client abroad by a foreign issuing bank, thereby improving card use experience of the resident abroad.

A method and system for electronically transferring value from a bank debit account, bank direct line of credit account or bank credit card account is presented, where an electronic representation of a promise is created and the Promisee is transferred, thereby transferring value. In one embodiment, a bank issues one or more digital representations of a promissory note in the form of a digital tokens in response to an action performed by the holder (i.e., Promisee) of a promissory note via an electronic platform. The Promisee can be transferred to a third party recipient, thereby transferring value. Actual funds are transferred only internally within the bank of origin.