| 摘要 |
A system for conducting funds transfer using a sender mobile device and a recipient mobile device and using adhoc staging accounts that only exist for one-time use during the funds transfer. In one embodiment, a sender can use the source ATM or his mobile device to initiate a funds transfer, or select a bank account online for funds transfer. Similarly, the recipient uses the recipient mobile device to receive funds into a bank account or to receive digital currency into a digital wallet. The recipient provides a transaction id and security information (such as a security token, for example) when prompted by the user interaction screens on the recipient mobile device, for example. The sender and the recipient need not have any bank accounts to conduct funds transfer. |
