Granted Patent B2

US 12,542,755 · App. 18/011,186 · Granted Feb 3, 2026

Inventor: Haimin Zhang (Shanghai, CN)

Assignee: Shanghai Finmail Network Technology Co., Ltd.

H04L51/56G06Q20/065G06Q20/10H04L51/48

Abstract

Claims (36)

1 . An email-based value transfer method, comprising:

establishing an Internet Protocol connection between a remitter's e-mail server and a remittee's e-mail server, wherein the remitter's email server is bound to a first domain name and the remittee's email server is bound to a second domain name, wherein the first domain name and the second domain name are managed independently from each other;

obtaining a payment receiving address of the remittee based on interactive operations between the remitter's e-mail server and the remittee's e-mail server comprising:

based on the establishing, automatically utilizing a fund inquiry function configured in the remittee's e-mail server to query the payment receiving address corresponding to an e-mail address of the remittee; and

performing a remittance operation via the Internet Protocol connection according to the payment receiving address from the remitter's e-mail server to the remittee's e-mail server;

wherein the payment receiving address is a currency address corresponding to a target e-mail address.

2 . The email-based value transfer method according to claim 1 , wherein the querying the payment receiving address comprises querying a mail exchange field.

3 . The email-based value transfer method according to claim 1 , wherein obtaining the payment receiving address of the remittee includes, based on the Simple Mail Transfer Protocol supporting remittance instructions configured in the e-mail interaction servers, querying the payment receiving address.

4 . The email-based value transfer method according to claim 1 , wherein if the payment receiving address is the unified interface address, the remittance operation further comprises sending remittance information to the remittee.

5 . The email-based value transfer method according to claim 1 , wherein the step of obtaining the payment receiving address of the remittee includes, based on a fund inquiry function configured in the e-mail interaction servers, querying the payment receiving address corresponding to the remittee's e-mail domain name configured in a Domain Name System server.

6 . The email-based value transfer method of claim 1 , wherein the Internet Protocol connection between the remitter's e-mail server and the remittee's e-mail server is a direct connection.

7 . The email-based value transfer method of claim 1 , wherein the payment receiving address is selected from the group consisting of: a unified interface address, a digital currency address, and an electronic currency address.

8 . An email-based value transfer cluster system, comprising:

email client, a plurality of remittance mail management server clusters, each remittance mail management server cluster is configured with a corresponding e-mail interaction server respectively;

wherein the plurality of remittance mail management server clusters is interactively connected to the e-mail client and the corresponding e-mail interaction server respectively;

wherein a remittance mail management server is used to receive e-mail sending request information from the e-mail client and, when the e-mail sending request information contains remittance information, the remittance mail management server further sends the remittance information to the corresponding e-mail interaction server;

wherein the corresponding e-mail interaction server is used to send or receive e-mails and, is also used to obtain the payment receiving address according to the remittance information and, feedback the payment receiving address to the remittance mail management server clusters; and

wherein the remittance mail management server clusters are further configured to perform a remittance operation via a connection between the remittance mail management server cluster and the corresponding e-mail interaction server according to the payment receiving address.

9 . The email-based value transfer cluster system according to claim 8 , wherein the corresponding e-mail interaction server is provided with a fund inquiry module, and the fund inquiry module is used to query the payment receiving address corresponding to an e-mail address of the remittee, or to query the payment receiving address corresponding to an e-mail domain name of the remittee configured in a Domain Name System server.

10 . The email-based value transfer cluster system according to claim 8 , wherein the corresponding e-mail interaction server queries the payment receiving address based on a configured Simple Mail Transfer Protocol supporting remittance instructions.

11 . The email-based value transfer cluster system according to claim 8 , wherein the payment receiving address is a unified interface address or a digital or electronic currency address corresponding to a target e-mail address.

12 . The email-based value transfer cluster system according to claim 8 , wherein each remittance mail management server cluster is configured with e-mail domain names, so that each remittance mail management server cluster performs remittance operations according to the e-mail domain names.

13 . An email-based value transfer method, comprising:

enabling a decentralized financial transaction, comprising:

establishing a direct Internet Protocol connection between a remitter's e-mail server and a remittee's e-mail server, wherein the remitter's email server is bound to a first domain name and the remittee's email server is bound to a second domain name, wherein the first domain name and the second domain name are managed independently from each other;

obtaining a payment receiving address of the remittee based on interactive operations between the remitter's e-mail server and the remittee's e-mail server, the interactive operations comprising:

based on the establishing, automatically utilizing a fund inquiry function configured in the remittee's e-mail server to query the payment receiving address corresponding to an e-mail address of the remittee; and

performing a remittance operation via the Internet Protocol connection according to the payment receiving address from the remitter's e-mail server to the remittee's e-mail server, wherein the remittance operation comprises transferring digital currency;

wherein the payment receiving address is a digital currency address corresponding to a target e-mail address.

14 . The email-based value transfer method of claim 13 , wherein the querying the payment receiving address comprises querying a mail exchange field.

15 . The email-based value transfer method of claim 13 , wherein obtaining the payment receiving address of the remittee includes, based on the Simple Mail Transfer Protocol supporting remittance instructions configured in the e-mail interaction servers, querying the payment receiving address.

16 . The email-based value transfer method of claim 13 , wherein the step of obtaining the payment receiving address of the remittee includes, based on a fund inquiry function configured in the e-mail interaction servers, querying the payment receiving address corresponding to the remittee's e-mail domain name configured in a Domain Name System server.

17 . The email-based value transfer method of claim 13 , wherein the performing a remittance operation does not utilize a third-party payment system.

18 . The email-based value transfer method of claim 13 , wherein utilizing the fund inquiry function comprises sending a query via simple mail transfer protocol (SMTP) and receiving the payment receiving address.

19 . The email-based value transfer method of claim 18 , wherein performing the remittance operation comprises utilizing the transaction identifier.

20 . The email-based value transfer method of claim 18 , wherein utilizing the fund inquiry function further comprises receiving an internal unique transaction identifier via SMTP protocol.

Assignments (1)

Priority Claims (1)

Continuity (1)

References Cited (50)