CN101777166A - Bank transfer method by using mobile phone - Google Patents
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- CN101777166A CN101777166A CN201010001288A CN201010001288A CN101777166A CN 101777166 A CN101777166 A CN 101777166A CN 201010001288 A CN201010001288 A CN 201010001288A CN 201010001288 A CN201010001288 A CN 201010001288A CN 101777166 A CN101777166 A CN 101777166A
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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
The present invention relates to a kind of bank transfer method, particularly utilize mobile phone to carry out the method for bank transfer.
Background technology
Mobile banking claims " mobile banking " again, be to utilize mobile phone to handle the abbreviation of bank's related service, it is a kind of channel that bank realizes electronic service, it is an E-business service on the mobile communications network, Mobile banking is connected to Mobile banking by mobile communications network with client's mobile phone, realizes utilizing mobile phone interface directly to finish the service system of various finance and money management business.
Mobile banking is product-along with the development of internet and mobile communication technology in the ascendant of bank electronic service, and traditional bank service mode has been endowed new intension.Handle the appearance of bank and Mobile banking on the net from traditional sales counter, The application of new technique is changing the decision maker's of bank the idea and the rules of competition of banking industry, the quantity of outlet and coverage rate no longer are the targets that the decision maker of bank pursues, more be not the key that embodies the bank comprehensive competitiveness, " scientific and technological emerging row ", " the upright row of science and technology " have become the decision maker of bank as the business development and the important idea of enhancing competitiveness.How can provide service more easily to be only bank's competition a magic weapon to win to the client.Bank has broken through the restriction in time and space by the use to new and high technologies such as internet and mobile communication, is not only changing the understanding of people to bank, also impels bank to accelerate professional innovation, and has improved service quality and convenient for servicing to the client.Mobile banking is after Web bank occurs, because of the emerging a kind of bank service channel of mobile communication technology fast development.On the basis with advantages such as the interconnected and high-speed data exchange of Internet bank's the whole network, it is unique anywhere or anytime that Mobile banking has given prominence to mobile communication more, make it become banking industry a kind of convenient more, have more emulative method of service.
Transferred account service is the modal business of Banking sector, and the client need go bank counter to handle or pass through ATM in the past, and this mode is lost time, and brings very big inconvenience to bank client; Use Web bank to need the computer that platform can surf the Net and just can carry out, need to download relevant certificate, complex operation and poor mobility.
Summary of the invention
Technology of the present invention is dealt with problems and is: overcome the deficiencies in the prior art, a kind of method of utilizing mobile phone to carry out bank transfer is provided, this method data transmission is quick, safe and reliable, and the interactivity of mobile phone and bank computer network is strong.
Technical solution of the present invention is: a kind of method of utilizing mobile phone to carry out bank transfer may further comprise the steps:
(1) be registered in the cell phone bank system of banking system with the paying party phone number and with the bank card account of this phone number binding, described bank card account is that one of debit card, credit card, current are logical or deposit and borrow the unification card;
(2) paying party login cell phone bank system selects one of them bank card account as producing account;
(3) paying party is imported the beneficiary phone number in cell phone bank system, and described cell phone bank system judges whether described beneficiary phone number registers in described cell phone bank system;
A, if described beneficiary phone number in described cell phone bank system, register, then described cell phone bank system is filled in account transfer information by paying party, and the core system of calling banking system verifies this account transfer information, if information is legal, finishes money transfer transactions so;
B, if described beneficiary phone number in described cell phone bank system, do not register, then described cell phone bank system sends the push note by the interface that SMS platform provides to beneficiary, contain a link in the described push note, beneficiary is linked to respective page by this and fills in gathering information, cell phone bank system calls the core system of banking system described account transfer information is verified, if described account transfer information is errorless, finish money transfer transactions so.
Be registered in the cell phone bank system of banking system with the paying party phone number and with the bank card account of this phone number binding in the described step (1), concrete steps comprise:
A1. the user lands the cell phone bank system homepage by mobile phone, selects to open guide;
A2. the user reads service agreement, selects to agree agreement;
A3. select the user certificate type, insert corresponding certificate number;
A4. the user imports the account number and the trading password of bank card account, and the password that lands of login cell phone bank system is set; Cell phone bank system is according to the account number of described bank card account, judge the type that draws this bank card account, the decision access of calling banking system still is the core system of banking system in view of the above, described access or described core system are checked the information of user's input, if information is legal, write down this user profile so, produce a new user number;
A5. cell phone bank system obtains the user number of new generation, writes down this user's relevant information;
A6. cell phone bank system prompting user opens Mobile banking and serves successfully.
Among described step (3) a, if the bank card account of beneficiary and paying party belongs to same bank, then concrete steps comprise:
B1. paying party is by mobile phone input login password login cell phone bank system;
B2. click the remittance link of transferring accounts, enter the page of transferring accounts;
B3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
B4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
B5. if the beneficiary phone number is registered in cell phone bank system, then the cell phone bank system present the bill for payment side input amount of money and trading password enter next step;
B6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary account, beneficiary phone number, the amount of money of transferring accounts, commission receivable and the real service charge of receiving, and the errorless back of paying party confirmation is clicked definite;
B7. cell phone bank system is according to beneficiary Account Type decision communication direction; If the beneficiary account is a credit card, then described cell phone bank system calls the interface that access provides, and by access the described information of transferring accounts is verified; If the beneficiary account is non-credit card, then described cell phone bank system calls the interface that core system provides, and by core system the described information of transferring accounts is verified; Carry out actual money transfer transactions after described access or the described information of transferring accounts of described core system checking are errorless, and the money transfer transactions object information returned described cell phone bank system, back page prompting Transaction Success also shows the remaining sum that produces account and should pay service charge, amount paid in service charge.
Among described step (3) b, if the bank card account of beneficiary and paying party belongs to same bank, then concrete steps comprise:
C1. paying party is by mobile phone input login password login cell phone bank system;
C2. click the remittance link of transferring accounts, enter the page of transferring accounts;
C3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
C4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
C5. if the beneficiary phone number is not registered in cell phone bank system, then cell phone bank system present the bill for payment side input beneficiary name, the amount of money and trading password enter next step;
C6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary name, beneficiary phone number and the amount of money of transferring accounts, and the errorless back of paying party confirmation is clicked and determined;
C7. the interface that provides by SMS platform of cell phone bank system sends the push note to beneficiary, and back page shows simultaneously: " distinguished client, you are to the * * * * unit that transfers accounts ", treat that beneficiary is confirmed after, cell phone bank system sends transaction;
C8. beneficiary is received the push note, clicks the chained address of push note, selects the bank of deposit on the link page, fills in the beneficiary account;
C9. if the bank of deposit and the paying party selected belong to same bank, then cell phone bank system shows definite page of transferring accounts, and after beneficiary determines that the beneficiary account on the display page is errorless, clicks and determines;
C10. cell phone bank system is according to beneficiary Account Type decision communication direction; If the beneficiary account is a credit card, then described cell phone bank system calls the interface that access provides, and by access the described information of transferring accounts is verified; If the beneficiary account is non-credit card, then described cell phone bank system calls the interface that core system provides, and by core system the described information of transferring accounts is verified; Carry out actual money transfer transactions after described access or the described information of transferring accounts of described core system checking are errorless, and the money transfer transactions object information returned described cell phone bank system, described cell phone bank system shows the successful page, sends successful note simultaneously to paying party.
Among described step (3) b, if the bank card account of beneficiary and paying party does not belong to same bank, then concrete steps comprise:
D1. paying party is by mobile phone input login password login cell phone bank system;
D2. click the remittance link of transferring accounts, enter the page of transferring accounts;
D3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
D4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
D5. if the beneficiary phone number is not registered in cell phone bank system, then cell phone bank system present the bill for payment side input name, the amount of money and trading password enters next step;
D6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary name, beneficiary phone number and the amount of money of transferring accounts, and the errorless back of paying party confirmation is clicked and determined;
D7. cell phone bank system sends the push note by the interface that SMS platform provides to beneficiary, and back page shows simultaneously; " distinguished client, you are to the * * * * unit that transfers accounts ", treat that beneficiary is confirmed after, cell phone bank system sends transaction;
D8. beneficiary is received the push note, clicks the chained address of push note, selects the bank of deposit on the link page, fills in the beneficiary account;
D9. if the bank of deposit and the paying party selected do not belong to same bank, then paying party also need be filled in province, the gathering site title of collecting account, clicks next step then;
D10. cell phone bank system is searched for generally according to province, gathering site title, shows with the gathering site to be the site tabulation of opening an account of key word, selects the site of opening an account of collecting account;
D11. cell phone bank system show to be confirmed the page, beneficiary to this confirm the collecting account of the page and collecting account bank of deposit confirm errorless after, click and determine;
D12. cell phone bank system calls the interface that banking system provides, and uploads the information of transferring accounts, and banking system verifies this account transfer information, if should account transfer information errorless, carries out the inter-bank money transfer transactions so.
The present invention compared with prior art has following advantage: the present invention only needs paying party to open Mobile banking's service, no matter whether beneficiary opens Mobile banking's service, also no matter whether the bank account that beneficiary provides belongs to same bank with paying party, paying party all can carry out bank transfer by mobile phone operation.Compare transfer accounts mode and the Internet bank of traditional bank and transfer accounts, the interactivity of mobile phone of the present invention and bank computer network is strong, and data transmission is quick, have promptly need promptly use, convenient and swift, safe and reliable advantage.
Description of drawings
Fig. 1 utilizes mobile phone to carry out the synoptic diagram of bank transfer.
Among the figure, 1-Mobile banking, 21-paying party mobile phone, 22-beneficiary mobile phone, 3-issuing bank, 4-receiving bank, 5-mobile telephone network.
Embodiment
Below with reference to accompanying drawing embodiments of the invention are described.
As shown in Figure 1, Mobile banking of the present invention fund transfer system comprises: Mobile banking 1, paying party mobile phone 21, beneficiary mobile phone 22, issuing bank 3, receiving bank 4 and mobile telephone network 5.Each several part is described below:
Mobile banking 1: bank realizes a kind of channel of electronization, can be by predefined interface accessing bank data information; It is mainly used in the information of transferring accounts of handling and check paying party, beneficiary, when check the information of transferring accounts errorless after, the money transfer transactions that the interface that provides by banking system is correlated with.Cell phone bank system has been stored the signed client's of Mobile banking details and corresponding bank card account information, and some transactions history records etc.
Mobile phone; User's mobile phone comprises payer's mobile phone 21 and payee's mobile phone 22.Wherein, payer and payee's mobile phone is Internet enabled, can visit the wap page of transferring accounts by mobile telephone network, and the payer need open Mobile banking's service.
Issuing bank 3: the bank that issues payer's bank card;
Receiving bank 4: the bank that issues the payee bank card;
Mobile telephone network 5: general mobile telephone network comprises gsm mobile telephone network, CDMA mobile telephone network, 3G mobile telephone network etc.
The user of Mobile banking surfs the Net by mobile communications network, and money transfer transactions is carried out in visit Mobile banking website; Cell phone bank system can call the actual money transfer transactions of interface realization that bank provides according to the information of transferring accounts.
The step (being about to the process of phone number and bank's card number binding) that the user opens Mobile banking's service is as follows:
A1. the user lands Mobile banking's homepage by mobile phone, selects to open guide;
A2. read service agreement, select to agree agreement;
A3. select type of credential, insert corresponding certificate number;
A4. import the account number and the trading password of bank card account, Mobile banking is set lands password; Mobile banking can obtain corresponding Card Type according to the card number of input, is to communicate by letter with access or communicate by letter with core system with decision.Access or core system can be carried out checking of information, if check correctly, can write down customer information, produce a new customer ID;
A5. cell phone bank system obtains the customer ID of new generation, the customer information that record is relevant;
A6. cell phone bank system prompting mobile telephone set bank opens success.
Use method of the present invention to carry out mobile phone and transfer accounts, the payer need open Mobile banking's service.Wherein, trading password is the password of bank card; Landing password is the authentication password that the client of Mobile banking lands Mobile banking in the future.
(1) one's own profession account transfer, and the beneficiary cell-phone number is the situation of signatory cell-phone number
Payee and payer's bank card belongs to same bank, and the payee is signatory account; Signatory account is meant that beneficiary and paying party opened the Mobile banking service of same bank; Concrete steps are as follows:
B1. the payer logins Mobile banking by login password;
B2. click the remittance link of transferring accounts, enter the page of transferring accounts;
B3. click Mobile banking, enter the next page, the page can show account balance; The payee's of prompting input simultaneously cell-phone number is clicked next step;
B4. cell phone bank system can judge whether this cell-phone number is the contracted user according to cell-phone number;
B5. if collect money artificial signatory account, the system prompt input amount of money, trading password enter next step;
B6. system shows the affirmation page, comprises Send only Account, payee's name in an account book, gathering cell-phone number, collecting account, the amount of money of transferring accounts, commission receivable, the real service charge of receiving, and clicks definite.
B7. Mobile banking can be according to collecting account type decided communication direction; If the collecting account type is a credit card, then communicate by letter with access, carry out credit card and refund; If changing account over to is non-credit card, then communicate by letter with core system, carry out transferred account service.The interface that core system or access provide calls in Mobile banking, on send the relevant information of transferring accounts; Access or core system can be checked data, if data message is errorless, finish actual money transfer transactions, object information returns cell phone bank system, and back page prompting Transaction Success also shows the remaining sum that produces account and should pay service charge, amount paid in service charge.The payer can send simultaneously the SMS notification payee and finish and transfer accounts.
In the above B group step, as long as the payee is signatory account, the payee does not need to do any operation and can finish mobile phone and transfer accounts, and receives the fund of transferring accounts, and is convenient and swift.
(2) one's own profession account transfer, and the beneficiary cell-phone number is the situation of signatory cell-phone number not
Payee and payer's bank card belongs to same bank, but the payee is a customer without contract, and promptly the payee does not open Mobile banking's service, and concrete steps are as follows:
C1. the payer logins Mobile banking by login password;
C2. click the remittance link of transferring accounts, enter the page of transferring accounts;
C3. click Mobile banking, enter the next page, the page can show account balance; The payee's of prompting input simultaneously cell-phone number is clicked next step;
C4. cell phone bank system can judge whether this cell-phone number is the contracted user according to cell-phone number;
C5. if collect money artificial non-signatory account, system prompt input name, the amount of money, trading password enter next step.
C6. system shows the affirmation page, comprises Send only Account, payee's name in an account book, the cell-phone number of collecting money, the amount of money of transferring accounts, and clicks and determines.
C7. cell phone bank system sends the push note by the interface that SMS platform provides; Simultaneously back page shows: distinguished client, you are to the * * * * unit that transfers accounts.After treating that the other side confirms, system will send transaction.
C8. the payee receives the push note, clicks the chained address that the push note comprises; Page request is filled in collecting account, is selected the bank of deposit.
C9. if the bank of deposit and the payer that select belong to same bank, i.e. one's own profession is transferred accounts; Cell phone bank system shows definite page of transferring accounts, and displaying contents is payee's a account, clicks and determines.
C10. cell phone bank system will be according to beneficiary bank card type decided communication direction; If the collecting account Card Type is a credit card, then communicate by letter with access, carry out credit card and refund; If changing account over to is non-credit card, then communicate by letter with core system, carry out transferred account service.The interface that core system or access provide calls in Mobile banking, on send the relevant data message of transferring accounts; Access or core system are checked data, if on send data message errorless, finish actual money transfer transactions, object information returns cell phone bank system, Mobile banking shows the successful page, sends successful note simultaneously to paying party.
Above C group step is compared with B group step, the C group needs payee's operation, though this is because account payee and payer belong to a tame bank together, but the payee does not open Mobile banking's service, be non-signatory account, so system can not only go related its bank account to carry out money transfer transactions according to payee's cell-phone number; At this moment need the payee to cooperate with finishing and transfer accounts, the payee inserts and changes account accordingly over to, finishes money transfer transactions with this.
(3) situation of inter-bank account transfer
Account payee and payer's account do not belong to same bank, and promptly the mobile phone inter-bank is transferred accounts, and concrete steps are as follows:
D1. the payer logins Mobile banking by login password;
D2. click the remittance link of transferring accounts, enter the page of transferring accounts;
D3. click Mobile banking, enter the next page, the page can show account balance; The payee's of prompting input simultaneously cell-phone number is clicked next step;
D4. cell phone bank system can judge whether this cell-phone number is the contracted user according to cell-phone number;
D5. if collect money artificial non-signatory account, system prompt input name, the amount of money, trading password enter next step;
D6. system shows the affirmation page, comprises Send only Account, payee's name in an account book, the cell-phone number of collecting money, the amount of money of transferring accounts, and clicks and determines;
D7. cell phone bank system sends the push note by the interface that SMS platform provides; Simultaneously back page shows: distinguished client, you are to the * * * * unit that transfers accounts.After treating that the other side confirms, system will send transaction;
D8. the payee is subjected to the push note, selects the network address in the note; Fill in collecting account, select the bank of deposit;
D9. if the bank of deposit and Send only Account that the payee selects do not belong to same bank, promptly inter-bank is transferred accounts; The payer also need fill in province title, the gathering site name of collecting account, clicks next step then;
D10. cell phone bank system is searched for generally according to province title, gathering site, shows with the gathering site to be the site tabulation of opening an account of key word, selects the site of opening an account of account;
D11. Mobile banking shows the affirmation page, and content comprises collecting account, collecting account bank of deposit, clicks and determines;
D12. cell phone bank system calls the interface that banking system provides, on send the information of transferring accounts, banking system is carried out check verify to last carry information, finishes the inter-bank money transfer transactions as information after errorless.
The content that is not described in detail in the instructions of the present invention belongs to this area professional and technical personnel's known technology.
The present invention is not limited to the protection content that claim and specific embodiment are addressed, so long as any invention of creating out according to design of the present invention all should belong within protection scope of the present invention.
Claims (5)
1. a method of utilizing mobile phone to carry out bank transfer is characterized in that, may further comprise the steps:
(1) be registered in the cell phone bank system of banking system with the paying party phone number and with the bank card account of this phone number binding, described bank card account is that one of debit card, credit card, current are logical or deposit and borrow the unification card;
(2) paying party login cell phone bank system selects one of them bank card account as producing account;
(3) paying party is imported the beneficiary phone number in cell phone bank system, and described cell phone bank system judges whether described beneficiary phone number registers in described cell phone bank system;
A, if described beneficiary phone number in described cell phone bank system, register, then described cell phone bank system is filled in account transfer information by paying party, and the core system of calling banking system verifies this account transfer information, if information is legal, finishes money transfer transactions so;
B, if described beneficiary phone number in described cell phone bank system, do not register, then described cell phone bank system sends the push note by the interface that SMS platform provides to beneficiary, contain a link in the described push note, beneficiary is linked to respective page by this and fills in gathering information, cell phone bank system calls the core system of banking system described account transfer information is verified, if described account transfer information is errorless, finish money transfer transactions so.
2. the method for utilizing mobile phone to carry out bank transfer according to claim 1, it is characterized in that: be registered in the cell phone bank system of banking system with the paying party phone number and with the bank card account of this phone number binding in the described step (1), concrete steps comprise:
A1. the user lands the cell phone bank system homepage by mobile phone, selects to open guide;
A2. the user reads service agreement, selects to agree agreement;
A3. select the user certificate type, insert corresponding certificate number;
A4. the user imports the account number and the trading password of bank card account, and the password that lands of login cell phone bank system is set; Cell phone bank system is according to the account number of described bank card account, judge the type that draws this bank card account, the decision access of calling banking system still is the core system of banking system in view of the above, described access or described core system are checked the information of user's input, if information is legal, write down this user profile so, produce a new user number;
A5. cell phone bank system obtains the user number of new generation, writes down this user's relevant information;
A6. cell phone bank system prompting user opens Mobile banking and serves successfully.
3. the method for utilizing mobile phone to carry out bank transfer according to claim 1 is characterized in that: among described step (3) a, if the bank card account of beneficiary and paying party belongs to same bank, then concrete steps comprise:
B1. paying party is by mobile phone input login password login cell phone bank system;
B2. click the remittance link of transferring accounts, enter the page of transferring accounts;
B3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
B4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
B5. if the beneficiary phone number is registered in cell phone bank system, then the cell phone bank system present the bill for payment side input amount of money and trading password enter next step;
B6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary account, beneficiary phone number, the amount of money of transferring accounts, commission receivable and the real service charge of receiving, and the errorless back of paying party confirmation is clicked definite;
B7. cell phone bank system is according to beneficiary Account Type decision communication direction; If the beneficiary account is a credit card, then described cell phone bank system calls the interface that access provides, and by access the described information of transferring accounts is verified; If the beneficiary account is non-credit card, then described cell phone bank system calls the interface that core system provides, and by core system the described information of transferring accounts is verified; Carry out actual money transfer transactions after described access or the described information of transferring accounts of described core system checking are errorless, and the money transfer transactions object information returned described cell phone bank system, back page prompting Transaction Success also shows the remaining sum that produces account and should pay service charge, amount paid in service charge.
4. the method for utilizing mobile phone to carry out bank transfer according to claim 1 is characterized in that: among described step (3) b, if the bank card account of beneficiary and paying party belongs to same bank, then concrete steps comprise:
C1. paying party is by mobile phone input login password login cell phone bank system;
C2. click the remittance link of transferring accounts, enter the page of transferring accounts;
C3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
C4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
C5. if the beneficiary phone number is not registered in cell phone bank system, then cell phone bank system present the bill for payment side input beneficiary name, the amount of money and trading password enter next step;
C6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary name, beneficiary phone number and the amount of money of transferring accounts, and the errorless back of paying party confirmation is clicked and determined;
C7. the interface that provides by SMS platform of cell phone bank system sends the push note to beneficiary, and back page shows simultaneously: " distinguished client, you are to the * * * * unit that transfers accounts ", treat that beneficiary is confirmed after, cell phone bank system sends transaction;
C8. beneficiary is received the push note, clicks the chained address of push note, selects the bank of deposit on the link page, fills in the beneficiary account;
C9. if the bank of deposit and the paying party selected belong to same bank, then cell phone bank system shows definite page of transferring accounts, and after beneficiary determines that the beneficiary account on the display page is errorless, clicks and determines;
C10. cell phone bank system is according to beneficiary Account Type decision communication direction; If the beneficiary account is a credit card, then described cell phone bank system calls the interface that access provides, and by access the described information of transferring accounts is verified; If the beneficiary account is non-credit card, then described cell phone bank system calls the interface that core system provides, and by core system the described information of transferring accounts is verified; Carry out actual money transfer transactions after described access or the described information of transferring accounts of described core system checking are errorless, and the money transfer transactions object information returned described cell phone bank system, described cell phone bank system shows the successful page, sends successful note simultaneously to paying party.
5. the method for utilizing mobile phone to carry out bank transfer according to claim 1 is characterized in that: among described step (3) b, if the bank card account of beneficiary and paying party does not belong to same bank, then concrete steps comprise:
D1. paying party is by mobile phone input login password login cell phone bank system;
D2. click the remittance link of transferring accounts, enter the page of transferring accounts;
D3. select Send only Account, the page shows account balance, and the phone number of the beneficiary of present the bill for payment side's input is simultaneously clicked next step;
D4. cell phone bank system judges whether the beneficiary phone number registers in cell phone bank system;
D5. if the beneficiary phone number is not registered in cell phone bank system, then cell phone bank system present the bill for payment side input name, the amount of money and trading password enters next step;
D6. cell phone bank system shows the affirmation page, and this affirmation page comprises paying party account, beneficiary name, beneficiary phone number and the amount of money of transferring accounts, and the errorless back of paying party confirmation is clicked and determined;
D7. the interface that provides by SMS platform of cell phone bank system sends the push note to beneficiary, and back page shows simultaneously: " distinguished client, you are to the * * * * unit that transfers accounts ", treat that beneficiary is confirmed after, cell phone bank system sends transaction;
D8. beneficiary is received the push note, clicks the chained address of push note, selects the bank of deposit on the link page, fills in the beneficiary account;
D9. if the bank of deposit and the paying party selected do not belong to same bank, then paying party also need be filled in province, the gathering site title of collecting account, clicks next step then;
D10. cell phone bank system is searched for generally according to province, gathering site title, shows with the gathering site to be the site tabulation of opening an account of key word, selects the site of opening an account of collecting account;
D11. cell phone bank system show to be confirmed the page, beneficiary to this confirm the collecting account of the page and collecting account bank of deposit confirm errorless after, click and determine;
D12. cell phone bank system calls the interface that banking system provides, and uploads the information of transferring accounts, and banking system verifies this account transfer information, if should account transfer information errorless, carries out the inter-bank money transfer transactions so.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010001288A CN101777166A (en) | 2010-01-21 | 2010-01-21 | Bank transfer method by using mobile phone |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010001288A CN101777166A (en) | 2010-01-21 | 2010-01-21 | Bank transfer method by using mobile phone |
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| CN101777166A true CN101777166A (en) | 2010-07-14 |
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| CN201010001288A Pending CN101777166A (en) | 2010-01-21 | 2010-01-21 | Bank transfer method by using mobile phone |
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Cited By (28)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102930469A (en) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | Transfer data processing method and device |
| CN103150649A (en) * | 2013-02-06 | 2013-06-12 | 平安银行股份有限公司 | Trading method for implementing payment by transfer of accounts and cash withdrawing without card |
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| CN107230049A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash is provided |
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| CN111353774A (en) * | 2020-02-26 | 2020-06-30 | 中国邮政储蓄银行股份有限公司 | Method and device for processing transfer information |
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-
2010
- 2010-01-21 CN CN201010001288A patent/CN101777166A/en active Pending
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| CN104769628B (en) * | 2011-12-20 | 2019-02-19 | 英特尔公司 | Methods, systems, and computer-readable media for transaction fee negotiation for monetary remittance |
| CN104769628A (en) * | 2011-12-20 | 2015-07-08 | 英特尔公司 | Transaction fee negotiation for monetary remittance |
| CN102930469A (en) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | Transfer data processing method and device |
| CN103150649A (en) * | 2013-02-06 | 2013-06-12 | 平安银行股份有限公司 | Trading method for implementing payment by transfer of accounts and cash withdrawing without card |
| CN104424563A (en) * | 2013-08-30 | 2015-03-18 | 南京中兴群力信息科技有限公司 | Mobile banking business processing method, device and system |
| CN105279160A (en) * | 2014-06-05 | 2016-01-27 | 腾讯科技（深圳）有限公司 | Method and device for showing account attribute information |
| CN105279160B (en) * | 2014-06-05 | 2020-01-31 | 腾讯科技（深圳）有限公司 | Method and device for displaying account attribute information |
| CN104156851A (en) * | 2014-08-20 | 2014-11-19 | 张忠义 | Automatic account transfer method based on mobile phone number |
| CN105719140A (en) * | 2014-12-05 | 2016-06-29 | 阿里巴巴集团控股有限公司 | Method and device for user information verification |
| CN106375356A (en) * | 2015-07-23 | 2017-02-01 | 阿里巴巴集团控股有限公司 | Data processing method and server for data processing |
| WO2017076214A1 (en) * | 2015-11-05 | 2017-05-11 | 中国银联股份有限公司 | A sms-based website login method and login system thereof |
| CN105592065A (en) * | 2015-11-05 | 2016-05-18 | 中国银联股份有限公司 | Method and system for website registration on the basis of mobile phone message |
| TWI758260B (en) * | 2015-11-05 | 2022-03-21 | 大陸商中國銀聯股份有限公司 | Website login method and login system based on mobile phone short message |
| CN105592065B (en) * | 2015-11-05 | 2019-03-15 | 中国银联股份有限公司 | A kind of Website logging method and its login system based on SMS |
| CN107230049A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash is provided |
| CN106951747A (en) * | 2017-03-09 | 2017-07-14 | 广州激速智能航空科技有限公司 | A kind of unmanned aerial vehicle station system and its application method |
| CN107169753A (en) * | 2017-03-31 | 2017-09-15 | 深圳前海微众银行股份有限公司 | Transfer account method, device and computer-readable recording medium |
| CN107133830A (en) * | 2017-05-12 | 2017-09-05 | 百望电子发票数据服务有限公司 | A kind of method and system that electronic invoice is issued based on short message |
| CN107301551A (en) * | 2017-07-15 | 2017-10-27 | 刘兴丹 | Method, device, the system searched for, inquire about, verified before a kind of network payment |
| CN108255920A (en) * | 2017-09-22 | 2018-07-06 | 平安科技（深圳）有限公司 | Display methods, device, equipment and the storage medium of organization names retrieval type |
| CN108009814A (en) * | 2017-12-26 | 2018-05-08 | 福建省农村信用社联合社 | A kind of method for cooperateing with the dual accounts system application of division of labor bank |
| CN108921690A (en) * | 2018-07-06 | 2018-11-30 | 中国银行股份有限公司 | Money transfer transactions thing apoplexy control method and device |
| CN113168650A (en) * | 2018-12-24 | 2021-07-23 | 国家支付卡系统股份公司(Nspk) | Method for automatic transfer between banks and system for implementing same |
| CN113168650B (en) * | 2018-12-24 | 2024-06-07 | 国家支付卡系统股份公司(Nspk) | Method for automatic transfer of money between banks and system for implementing same |
| CN109697607A (en) * | 2018-12-28 | 2019-04-30 | 中国银联股份有限公司 | A kind of Electronic Transfer method, apparatus and storage medium |
| CN109697607B (en) * | 2018-12-28 | 2024-02-27 | 中国银联股份有限公司 | Electronic transfer method, device and storage medium |
| WO2020238231A1 (en) * | 2019-05-29 | 2020-12-03 | 创新先进技术有限公司 | Account transfer request processing method, apparatus, and device |
| CN112308543A (en) * | 2019-07-24 | 2021-02-02 | 腾讯科技（深圳）有限公司 | Data transfer method, device and equipment and computer storage medium |
| CN110517044A (en) * | 2019-09-02 | 2019-11-29 | 王嵘 | It is a kind of can under security system transaction funds safety transaction system |
| TWI724562B (en) * | 2019-09-26 | 2021-04-11 | 兆豐國際商業銀行股份有限公司 | Wire transfer device and wire transfer method |
| TWI810435B (en) * | 2020-02-20 | 2023-08-01 | 財金資訊股份有限公司 | System and method for mobile phone number transfer agreement |
| CN111369239A (en) * | 2020-02-25 | 2020-07-03 | 支付宝(杭州)信息技术有限公司 | Resource transfer method, device and system |
| CN111369239B (en) * | 2020-02-25 | 2022-06-28 | 支付宝(杭州)信息技术有限公司 | Resource transfer method, device and system |
| CN111353774A (en) * | 2020-02-26 | 2020-06-30 | 中国邮政储蓄银行股份有限公司 | Method and device for processing transfer information |
| CN113723946A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Transfer method, device and system for mobile phone bank |
| CN113723946B (en) * | 2021-09-15 | 2024-10-11 | 中国银行股份有限公司 | Method, device and system for transferring accounts of mobile phone banks |
| CN114154976A (en) * | 2021-12-10 | 2022-03-08 | 李嘉程 | Mobile phone bank account transfer method and device based on code scanning mode and computer equipment |
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Application publication date: 20100714 |