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Bank transfer method by using mobile phone

A mobile banking and banking technology, applied in data processing applications, instruments, finance, etc., can solve the problems of cumbersome operations, waste of time, poor mobility, etc., and achieve the effect of fast data transmission and strong interactivity

Inactive Publication Date: 2010-07-14
CHINA EVERBRIGHT BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Transfer business is the most common business in the banking sector. In the past, customers had to go to the bank counter or go through an ATM machine. This method wasted time and brought great inconvenience to bank customers; using online banking requires a computer with Internet access. Relevant certificates need to be downloaded, the operation is cumbersome and the mobility is poor

Method used

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  • Bank transfer method by using mobile phone
  • Bank transfer method by using mobile phone

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Embodiment Construction

[0054] Embodiments of the present invention will be described below with reference to the accompanying drawings.

[0055] Such as figure 1 As shown, the mobile bank transfer system of the present invention includes: mobile banking 1 , payer's mobile phone 21 , payee's mobile phone 22 , issuing bank 3 , receiving bank 4 and mobile phone network 5 . Each part is introduced as follows:

[0056] Mobile Banking 1: A channel for electronic banking, which can access bank data information through a predefined interface; it is mainly used to process and check the transfer information of the payer and payee. The interface provided by the system performs related transfer transactions. The mobile banking system stores the detailed information of the mobile banking contracted customers, the corresponding bank card account information, and some transaction history records.

[0057] Mobile phone: the mobile phone of the user, including the mobile phone 21 of the payer and the mobile phone...

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Abstract

The present invention relates to a bank transfer method by using a mobile phone, comprising the steps that: (1) the payer opens a mobile phone banking service; (2) the payer logins a mobile phone banking system and selects a bank card account as transfer account; (3) the payer inputs the mobile phone number of the payee, the mobile phone banking system judges whether the mobile phone number is registered in the mobile phone banking system or not; a. if the mobile phone number is registered, the mobile phone banking system calls the payer to fill the transfer information and completes the transfer if the information is legal; b. if the mobile phone number is not registered, the mobile phone banking system sends a push short message to the payee through an interface provided by a short message service center, the push short message includes an link, the payee gets the relevant page through the link and completes the transfer if the information is right. Compared with the traditional bank transfer and internet bank transfer, the invention has the advantages of better interactivity between the mobile phone and the computer network of a bank, rapid data transmission, available use, convenience, safety and reliability.

Description

technical field [0001] The invention relates to a bank transfer method, in particular to a bank transfer method using a mobile phone. Background technique [0002] Mobile banking, also known as "mobile banking", is the abbreviation for using mobile phones to handle banking-related businesses. It is a channel for banks to realize electronic services and an e-commerce service on the mobile communication network. Mobile banking will The customer's mobile phone is connected to the mobile banking to realize a service system that directly completes various financial management services through the mobile phone interface. [0003] Mobile banking is the product of bank electronic services - with the rapid development of Internet and mobile communication technology, traditional banking service methods have been endowed with new connotations. From traditional counter handling to the emergence of online banking and mobile banking, the application of new technologies is changing the co...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/02
Inventor 李坚陈红薇
Owner CHINA EVERBRIGHT BANK
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