When you use e-banking channels to transfer money, you encounter a "transaction failed: 96310703" prompt, which is usually due to a working behavior taken by the bank to protect the safety of the customer's account funds. In this case, the system automatically determines the degree of risk of the transaction and controls it to ensure that only qualified transactions can be successfully completed. 
If you encounter this kind of prompt, it is recommended that you first check if your current device or network environment is trustworthy. If you're using a public network or an unsure device, the bank may consider the transaction risky and reject it. Therefore, changing a trusted device or network environment before attempting to transfer may resolve the issue. In addition, you can also manually verify the feedback by calling the customer service of the electrical bank**95588. Explain the problem you're experiencing to an agent, and they may be able to provide more specific help or solutions. 
If you still can't solve the problem, then it is recommended that you bring a valid ID card, bank card and other relevant documents to the bank branch for inquiry. The bank's staff will help you understand the specific cause and resolve the issue. 
It should be noted that the above information is for reference only. If you have any questions about the bank's policies or practices, it is recommended to consult the bank's customer service directly for more accurate information and advice.