CN101369336A - Method for transferring account with mobile phone - Google Patents

Abstract

Provided is a method of handset account transfer. The invention is realized comprising the follow steps: binding user handset number with bank card number, entering 'handset account transfer' in a handset menu through password confirmation, storing a plurality of bank card numbers of different banks in the menu of 'handset account transfer', selecting corresponding bank card number, inputting the password and inquring balance of the account, inputting the bank card number of a bill collector after checking the balance, checking the bank card number and the user name of the bill collector, after affirming the transfer account, sending out the information through wireless network, affirming the bank card number and the transfer account of the bill collector, performing automatic account transfer by the bank after receiving the identifying code, automatically storing the account transfer record by the bank. The invention has the advantages of being free from restrict of region and time quantum, performing account transfer at any time and any place, saving time, convenience and fastness.

Description

The method that a kind of mobile phone is transferred accounts

Technical field

The present invention relates to a kind of method of transferring accounts, relate in particular to the method that a kind of mobile phone is transferred accounts.

Background technology

Development along with society, science and technology grows with each passing hour, business activity is frequent, economic interaction has been set up in country variant, region, but because China's rapid economic development, the number of carrying out business activity to bank is more and more, usually is to line up, allow people in endless wait, waste a lot of valuable time, and influenced the efficient of business activity.In order to satisfy people's demand, mobile banking service has appearred, Mobile banking is the product-along with the development of internet and mobile communication technology of bank electronic service, traditional bank service mode has been endowed new intension, bank's tradition branch offices quantity will reduce significantly the coming years, and ATM quantity will increase by a narrow margin, and it is unique anywhere or anytime that Mobile banking has given prominence to mobile communication more, it is a kind of convenient more to make it become banking industry, has more emulative method of service.

Summary of the invention

The method that the object of the present invention is to provide a kind of mobile phone to transfer accounts, this method is not subjected to the restriction of region and time period, and the plenty of time has been saved in the activity of can transferring accounts whenever and wherever possible, uses convenient, quick simultaneously.

The present invention is achieved like this, it is characterized in that subscriber phone number and bank's card number binding, and with user's cell-phone number and bank's card number data storage in bank, enter " mobile phone is transferred accounts " in the mobile phone menu by password confirming, bank's card number of several different banks of storage in " mobile phone is transferred accounts " menu, after choosing corresponding bank card number, the input password number of checking account remaining sum, after checking remaining sum, bank's card number of input receipt on account people, check receipt on account people's bank's card number and user name, confirm to transfer accounts behind the amount of money, confirm transmission information by wireless network, the information that sends is by encryption, after information and deciphering are received by bank, send identifying code, require the side of transferring accounts to reaffirm the bank's card number of receipt on account side and the amount of money of transferring accounts to the side of transferring accounts, after bank receives that identifying code is confirmed, bank transfers accounts automatically, and bank is the preservation record of transferring accounts, and informs that the side of transferring accounts transfers accounts and finish.

Advantage of the present invention is: be not subjected to the restriction of region and time period, the plenty of time has been saved in the activity of can transferring accounts whenever and wherever possible, uses convenient, quick simultaneously.Have double code just can enter fund transfer system, security is higher, does not worry the loss that lost mobile phone brings.

Description of drawings

Fig. 1 is the workflow diagram of invention.

Embodiment

As shown in Figure 1, the present invention is achieved like this, it is characterized in that user mobile phone 1 number and bank's card number binding, and with user's cell-phone number and bank's card number data storage in bank 2, enter " mobile phone is transferred accounts " in the mobile phone menu by password confirming, bank's card number of several different banks of storage in " mobile phone is transferred accounts " menu, after choosing corresponding bank card number, the input password number of checking account remaining sum, after checking remaining sum, input receipt on account people bank card number 3 is checked receipt on account people bank card number 3 and user name, affirmation is transferred accounts behind the amount of money, confirm transmission information by wireless network, the information of transmission is by encryption, after information and deciphering are received by bank 2, send identifying code to the side of transferring accounts, the requirement side of transferring accounts reaffirms the receipt on account people bank card number 3 and the amount of money of transferring accounts, and after bank 2 received that identifying code is confirmed, bank 2 transferred accounts automatically, bank 2 is the preservation record of transferring accounts, and informs that the side of transferring accounts transfers accounts and finish.

Claims (1)

1. method that mobile phone is transferred accounts, the present invention is achieved like this, it is characterized in that subscriber phone number and bank's card number binding, and with user's cell-phone number and bank's card number data storage in bank, enter " mobile phone is transferred accounts " in the mobile phone menu by password confirming, bank's card number of several different banks of storage in " mobile phone is transferred accounts " menu, after choosing corresponding bank card number, the input password number of checking account remaining sum, after checking remaining sum, import bank's card number of receipt on account people, check receipt on account people's bank's card number and user name, affirmation is transferred accounts behind the amount of money, confirm transmission information by wireless network, the information of transmission is by encryption, after information and deciphering are received by bank, send identifying code to the side of transferring accounts, the requirement side of transferring accounts reaffirms the bank's card number of receipt on account side and the amount of money of transferring accounts, and after bank received that identifying code is confirmed, bank transferred accounts automatically, bank is the preservation record of transferring accounts, and informs that the side of transferring accounts transfers accounts and finish.