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1. CN113168650 - INSTANT MONEY TRANSFER METHODS AND SYSTEM FOR IMPLEMENTING SAME

Office
China
Application Number 201980073428.X
Application Date 24.12.2019
Publication Number 113168650
Publication Date 23.07.2021
Publication Kind A
IPC
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
CPC
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Applicants AKCIONERNOE OBSCHESTVO "NACIONAL'NAYA SISTEMA PLATEZHNYKH KART"
国家支付卡系统股份公司(NSPK)
Inventors SOLOV'EV EVGENIJ GEORGIEVICH
叶夫根尼吉·乔治耶维奇·索洛夫
KOLESNIKOV DMITRIJ ALEKSANDROVICH
德米特里·阿列克桑多维奇·科列斯尼科夫
PETUSHKOVA NATAL'YA OLEGOVNA
纳塔尔亚·奥列戈夫纳·佩图什科娃
Agents 北京清亦华知识产权代理事务所(普通合伙) 11201
Priority Data 2018145943 24.12.2018 RU
Title
(EN) INSTANT MONEY TRANSFER METHODS AND SYSTEM FOR IMPLEMENTING SAME
(ZH) 银行间自动转账的方法及实施该方法的系统
Abstract
(EN) The claimed group of inventions relates to information technologies in the financial industry, specifically to automated methods and to a system for carrying out interbank transfers of monetary funds from the bank account of one individual to the bank account of another individual on the basis of a known social identifier of the receiver of the monetary funds, without indication of the client's actual bank account number or details of the client's payment instrument, and also carrying out monetary transfers between two or more of an individual's own bank accounts that are open in various credit institutions, the system of which includes: means of communication between Sender and Receiver, computing systems of the Sender's bank and of the Receiver's bank, a central server component, a payment system and a notification server.
(ZH) 所申请的一组发明属于金融业中的信息技术,即属于一种根据收款人已知的社会标识符实现银行间从一个自然人的银行账户到另一自然的人银行账户的自动转账的方法和系统,无需指出银行客户的真实账号或付款工具的银行详细信息,也可以执行同一自然人在不同信贷机构中开设的两个或多个银行账户之间的转账,该系统包括:发款人与收款人之间的通信设备、发款人银行与收款人银行的计算系统、中央服务器组件、结算系统和通知服务器,3个独立权项、7个从属权项、5张图。
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