Computer implemented method and system for rapid verification and administration of fund transfers and a computer program for performing said method

摘要

The invention concerns a computer implemented method and system, and corresponding computer-readable medium storing instructions for performing said method, for rapid verification of an account-to-account transfer comprising at least a first transfer between a payer bank account and a first transfer bank account, said method comprising the steps of: receiving payment data from a website; enabling selection of a bank company using a payer's device for identification of a first transfer bank account at the selected bank company, whereto a transfer of funds from a payer bank account is to be made; surveying said identified first transfer bank account and determining when said find transfer has taken place thereto from said payer bank account; and transmitting a transfer verification message to a payee device confirming said fund transfer to said identified first transfer bank account. In an exemplary embodiment, said method further comprising administration of said account-to-account fund transfer further comprising a second transfer from a second transfer bank account to a payee bank account in order to provide a computer implemented payment solution method, said administration comprising the following steps: providing data concerning said payee bank account to which at least part of the fund is to be transferred; transferring a second amount from said second transfer bank account based on said payment data to said payee bank account while providing said payee with said payment data; and settling the differences between said identified first transfer bank account and said second transfer bank account periodically based on predetermined settlement criteria.