| 摘要 |
<p>The present invention reveals a procedure of non-cash transfer of monetary funds by means of a payment code, which includes procedure of payment code purchase, carried out by the user, and procedure of cashing in a payment code, carried out by the recipient of funds, whereby the purchase procedure and the cashing in procedure may be executed independently to each other by means of ATM machine, e-banking, telephone banking, POS terminal, at the bank counter and by means of an SMS/MMS messages. The user and the recipient must provide identification prior to the execution of the above procedures, using only a bank card and a suitable PIN number, bank account number and personal password, or a mobile telephone number, from which a request has been sent may serve for identification purpose.</p> |
