FIELD: physics.
SUBSTANCE: invention relates to information technologies in financial sphere. Disclosed are automated methods for instant inter-bank money transfers from bank account of one individual to a bank account of another individual based on a known social identifier of the recipient of funds without indicating the actual number of the client's bank account or the details of his payment instrument, as well as instant money transfers between two and more own bank accounts of a natural person, opened in different credit institutions. Proposed system comprises: Sender and Recipient communication facilities, Sender bank systems and Recipient Bank computer systems, central server component, design system and notification service.
EFFECT: technical result is faster operation of inter-bank money transfers.
13 cl, 5 dwg
