| 摘要 |
A computer-implemented payment processing method includes storing, by a computer system, information regarding a recipient in an account information directory, the account information directory being implemented in a data storage system, the information including a public identifier identifying the recipient, the public identifier comprising at least one of an e-mail address and a telephone number assigned to the recipient when the public identifier is stored in the account information directory; receiving, by the computer system, a funds transfer request identifying the recipient by the public identifier, the funds transfer request being received via a computer network; determining, by the computer system, a private identifier for the recipient based on the public identifier; and transmitting, by the computer system, a funds transfer message via a computer network to cause funds to be transferred from a sender to the recipient, the funds transfer message being generated using the private identifier.
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