| 摘要 |
ZIPFUND (2) is a secure Electronic Funds Transfer system that enables consumers and businesses to transact funds online without fear of fraud and hackers penetrations. ZIFFUND (2) is accessed by a User (6) via the Internet (4). Users must have an account with ZIPFUND (2) to use the facility, and approve ZIPFUND's (2) access to their financial information. E-commerce Merchants (3) must also be registered with ZIPFUND (2) to use the facility. The Merchants (3) are required to obtain ZIPFUND's (2) transaction identifier (11) from customers for confirmed purchases. These transaction identifiers (11) are verified by ZIPFUND (2) in order to secure payments from Financial institutions (1). ZIPFUND (2) provides an approved transaction number (17) to the E-commerce merchants (3) for all successful transactions submitted by them via a secure network. ZIPFUND (2) supports all accounts including credit, debit, cheque, savings or ZIPFUND's (2) Internal Financial Account (IFA). ZIPFUND) (2) generates an IFA number or ZIPFUND's (2) own credit/debit card number and need not have to use original card numbers.
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