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Method and system for implementing mobile bank service

A technology of mobile banking and implementation method, applied in the directions of payment architecture, instruments, data processing applications, etc., can solve the problems of wasting time, restricting the cash withdrawal function of mobile banking, etc.

Inactive Publication Date: 2014-04-23
郑志豪
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] But at present, mobile banking services must rely on ATMs or business halls to withdraw cash. Near bustling shopping malls, ATMs often line up in long lines, and people who withdraw cash queue up to waste time; or there are no ATMs in some suburbs or rural areas. Bank cash withdrawal function

Method used

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  • Method and system for implementing mobile bank service
  • Method and system for implementing mobile bank service

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Embodiment Construction

[0032] The following is a more specific description of specific embodiments of the present invention. It should be noted that the following description is for explaining the present invention more clearly, not for limiting the present invention.

[0033] Such as figure 1 As shown, in step 1, the user sends a cash withdrawal application. Specifically, the user sends a cash withdrawal application to the bank through a mobile phone, and the application includes the amount of cash withdrawal. The application can be sent by SMS to the port number designated by the bank, or through WAP mode, or voice mode; these mobile numbers are bound to bank accounts.

[0034] Step 2. Freeze the corresponding amount in the account. Specifically, the bank receives the user's application and freezes the corresponding amount in the user's account; the frozen amount is the amount that the user applies for cash withdrawal multiplied by a coefficient that is greater than or equal to 1; for example, th...

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Abstract

The invention provides a method for implementing mobile bank service. The method comprises following steps of: A, that a user sends a withdrawal request to a bank by using a mobile terminal; B, that the bank blocks corresponding amount of money in an account from which the user applies for withdrawal; C, that the withdrawal request is sent to the mobile terminals of other users; D, that a user who is willing to pay cash accepts the request by using the mobile terminal; E, that the user who accepts the withdrawal request pays cash for the user who applies for withdrawal; F, that withdrawal success is acknowledged; and G, that the blocked fund is transferred to the account of the user who pays the cash. A corresponding system is also provided. The method and the system provides timely help and convenience for users in urgent need for cash while no auto teller machines (ATM) or business halls are provided.

Description

technical field [0001] The invention relates to mobile banking, in particular to a method and system for realizing mobile banking. Background technique [0002] Mobile Banking Service (Mobile Banking Service), also known as mobile banking, is an abbreviation for using mobile communication networks and terminals to handle related banking services. As a brand-new service that combines electronic currency and mobile communication, mobile banking not only enables people to handle various financial services at any time and any place, but also greatly enriches the connotation of banking services, enabling banks to provide convenience, Provide users with traditional and innovative services in an efficient and relatively safe way. [0003] Bank of Communications took the lead in launching the cardless withdrawal service of mobile banking, enabling cardholders to withdraw cash without a card. Users of "e-Mobile Bank of Communications" can reserve ATM withdrawals in advance through ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32
CPCG06Q20/3223
Inventor 郑志豪
Owner 郑志豪
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