| 摘要 |
PROBLEM TO BE SOLVED: To allow realtime payment to be performed via a bank site solely by an input of an identification element of a recipient, such as the e-mail address, portable telephone number, or the like, by a bank customer.SOLUTION: A payment provider uses a bank rail. A bank has an account in a payment provider. Therefore, when a customer sends a payment via a bank, a payment provider sends this payment to a recipient via a payment provider account possessed by the bank. The bank performs the debit entry at the amount into the bank account possessed by the user, or performs the debit entry at the amount to a third party. In the latter case, the bank performs the payment to the third party. A sender does not need to have an account in the payment provider; the sender needs to have the bank account only. |
