CN103745346A - Method and system for implementing mobile bank service - Google Patents
Method and system for implementing mobile bank service Download PDFInfo
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- CN103745346A CN103745346A CN201310734382.6A CN201310734382A CN103745346A CN 103745346 A CN103745346 A CN 103745346A CN 201310734382 A CN201310734382 A CN 201310734382A CN 103745346 A CN103745346 A CN 103745346A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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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
The present invention relates to mobile banking, particularly a kind of implementation method of mobile banking and system.
Background technology
Mobile banking (Mobile Banking Service) also can be described as Mobile banking, is to utilize mobile communications network and terminal to handle the abbreviation of associated bank business.As a kind of brand-new service that combines electron currency and mobile communication, mobile banking service not only can make people process at any time and any place multiple financial business, and greatly enriched the intension of bank service, make bank that the service of tradition and innovation can be provided in convenient, efficient and safer mode as user.
Bank of Communications takes the lead in releasing Mobile banking without the card business of withdrawing the money, and holder can be withdrawn the money without card.The user of " e moves Bank of Communications " can pass through Mobile banking of Bank of Communications, preengages in advance ATM and withdraws the money.After reservation, when user withdraws the money to ATM, only need, with the password of withdrawing the money of reservation phone number, reservation number and reservation bank card, can realize without card and withdrawing the money, greatly facilitate user.
But mobile banking service at present, must rely on ATM or business hall enchashment, and near bustling market, ATM is often arranging queue, and enchashment person queues up and loses time; Or some suburbs or countryside, there be not ATM, these situations have all restricted current Mobile banking enchashment function.
Summary of the invention
The present invention, for solving above-mentioned technological deficiency, provides a kind of implementation method of Mobile banking, without ATM cash dispenser and lobby in the situation that, helps user's enchashment.
For achieving the above object, Mobile banking's implementation method that this programme provides, comprises the following steps:
A, user send enchashment application by mobile terminal to bank;
B, bank, in the user account left fund of application enchashment, freeze the corresponding amount of money;
C, enchashment application is sent on other customer mobile terminals of this user's periphery preset distance;
D, be ready pay in cash user accept applications;
E, the user who applies for that accepts to pay in cash pay cash in the user of described application enchashment;
F, by mobile terminal, confirm enchashment success;
G, described in the amount of money that freezes transfer on the user account of described cash payment.
In an embodiment of the present invention, the application information described in described steps A is containing the amount of money, and the amount of money that freezes the corresponding amount of money described in step B and be application enchashment is multiplied by payment coefficient, and paying coefficient is that bank presets, for being more than or equal to 1 a numerical value.
In an embodiment of the present invention, described step C comprises the following steps:
C1, location enchashment customer location;
C2, the information obtained from base station, extract described enchashment customer location other customer mobile terminal numbers around;
C3, enchashment application is sent on the mobile terminal of described number.
In an embodiment of the present invention, other users described in described step C are for propping up existing user with meaning other users in advance.
In an embodiment of the present invention, accepting applications described in described step D, refers to and is ready that the user who pays in cash adopts the mode of racing to be the first to answer a question to accept applications, and it is effective whom who first replys.
In an embodiment of the present invention, confirm that the successful mode of enchashment is included in enchashment user and receives after money described in step F, this enchashment user sends confirmation to bank on the mobile terminal of oneself; Or the serial number of banknote is got in cash payment user bat and the sight of cash payment is recorded a video, and store, be submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during this enchashment application feeds back to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.
For achieving the above object, the present invention separately provides a kind of system that realizes of mobile banking, it is characterized in that comprising:
Mobile terminal, and bank account binding, for sending enchashment user's enchashment application; When enchashment user enchashment success, also for confirming enchashment success; The user that is used for paying in cash accepts enchashment application;
Bank server, comprises communication module, processing module and memory module, when application enchashment user sends enchashment application, and system location enchashment user's geographic position; Communication module is used for and communication of mobile terminal, receive user's enchashment application, receive the successful confirmation of user's enchashment, server communication with base station, obtain enchashment user other customer mobile terminal numbers of a preset distance around, and enchashment application is sent on these other users' mobile terminal; Processing module, for the treatment of enchashment user's application, comprises and freezes the amount of money certain in user account, and when confirming enchashment success, the amount of money that processing module is freezed enchashment user account transfers to be accepted on enchashment application an existing user account; The relevant information of memory module for storing user account, comprises account balance.
In an embodiment of the present invention, cash payment user accept enchashment application refer to be ready pay in cash user adopt the mode of racing to be the first to answer a question to accept applications, it is effective whom who first replys.
In an embodiment of the present invention, in described enchashment application, comprise amount information, the amount of money freezing equals to apply for that the amount of money of enchashment is multiplied by payment coefficient; Paying coefficient is predefined 1 the numerical value that is more than or equal to of bank, also can in user's application, revise this coefficient.
In an embodiment of the present invention, the successful mode of described confirmation enchashment is included in enchashment user and receives after money, and this enchashment user sends confirmation to bank on the mobile terminal of oneself; Or the serial number of banknote is got in cash payment user bat and the sight of cash payment is recorded a video, and store, be submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during this enchashment application feeds back to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.
Obvious progress of the present invention is, enriched the intension of mobile banking, expanded the business of mobile banking, increased user's enchashment mode, without ATM cash dispenser and lobby in the situation that, user's enchashment that help needs cash badly, gives user the convenience with timely formula.
Accompanying drawing explanation
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is the method flow diagram of the embodiment of the present invention.
Fig. 2 is the structural representation of the embodiment of the present invention.
Embodiment
Below the specific embodiment of the present invention is done to describe more specifically.Should be noted that following description is in order more to clearly demonstrate the present invention, is not in order to limit the present invention.
As shown in Figure 1, step 1, user sends enchashment application, specifically, user sends enchashment application by mobile phone to bank, and in application, containing the amount of money of enchashment, the mode that application sends can be short message mode, the port numbers of specifying to bank sends, and also can pass through WAP mode, can be also voice mode; These phone numbers and bank account binding.
Step 2, the corresponding amount of money in frozen account, specifically, bank receives user's application, and freezes the corresponding amount of money in user account; The amount of money freezing is that user applies for that the amount of money of enchashment takes advantage of a coefficient, and this coefficient is more than or equal to 1; Such as paying coefficient, be 1.05, apply for that the amount of money of enchashment is 200 yuan, the amount of money freezing is 210 yuan.This coefficient bank can preset, and informs user, also can when sending application, revise this coefficient by the user of application enchashment, such as strengthening this coefficient, increases cash payment user's enthusiasm.
If the remaining sum sending in the user account of applying for is less than the amount of money that need to freeze, user's application is invalid application.
Step 3, send enchashment application to other customer mobile terminals of this user's periphery preset distance, this preset distance is to realize by location, in the present invention, this positioning function can be at user's mobile phone terminal, also can be at bank server end, if at bank server end, this bank server end is oriented the user geographic position that sends application, and follow business system communication (in the present embodiment, adopt telecom operation system), to telecom operation system, extract other subscriber phone numbers of this geographic position periphery preset distance; If at user's mobile phone terminal, comprise two kinds of locator meamss, wherein a kind of is by the GPS positioning function on mobile phone, and peripheral extent is identified, and the other side ID of identification is sent to banking system, banking system is sent to by enchashment application the mobile phone that these ID are corresponding; Another kind is that user directly utilizes mobile phone to orient the user of periphery, and the enchashment application information of bank's feedback is sent to the user mobile phone of orienting; Such as micro-letter instrument can send information near other phone numbers a certain cellphone subscriber.In the present embodiment, those users agree to accept to pay in cash user's (this arranges in the business that user can provide in bank and sets voluntarily) of application in advance.
Send to the amount of money that the enchashment application on other user mobile phones can be returned containing application enchashment user's phone number, the enchashment amount of money and cash payment user, the amount of money that can return is the amount of money freezing described in step 2.
Step 4, the user that user pays in cash accepts applications, and specifically, adopts the mode of racing to be the first to answer a question, and it is effective whom who first accepts; The subscriber phone number of racing to be the first to answer a question may be displayed on the user mobile phone of application enchashment, now applies for enchashment and accepts enchashment (cash payment) with knowing per family the other side's phone number, gets and can interknit.
Step 5, confirm enchashment success, concrete mode is, cash payment user is with cash and mobile phone and enchashment user interactions, on mobile phone, there is corresponding program, enchashment user takes cash, and successful with fingerprint identification enchashment on cash payment user's mobile phone, and this confirmation sends to bank by cash payment user's mobile phone.
Another kind of preferred mode is, cash payment user is with cash and enchashment user interactions, cash payment user pays cash in enchashment user, and (by enchashment user or cash payment user) key is confirmed enchashment success on enchashment user's mobile phone, this confirmation sends to bank by enchashment user's mobile phone, collect on delivery and confirm on the other hand, as people's daily shopping transaction collects on delivery, collect on delivery.
Also have a kind of preferred mode to be, or cash payment user claps serial number and the video recording of cash payment sight of getting banknote, and store, be submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during by this enchashment application is transferred to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.The mode that the authorization information that this bank sends is transferred to enchashment user's mobile terminal can be Bluetooth transmission, note transmission or other wireless telecommunications etc., can be also oral informing.
Step 6, the amount of money freezing transfers on an existing user account, and specifically, in enchashment user's account, the amount of money deducts the amount of money freezing, the amount of money freezing described in amount of money increase in cash payment user's account.So far, this business handling is complete.
As shown in Figure 2, system of the present invention comprises bank server 1, mobile terminal 2, communicates between the two by radio communication 3.Bank server 1 comprises communication module 12, processing module 13 and memory module 14.
Mobile terminal 2 sends enchashment application for user, in the application of enchashment, comprise the amount of money of enchashment, in the bank account of this user and handset binding, the amount of money should be no less than this amount of money and takes advantage of a certain coefficient simultaneously, here cry and pay coefficient, such as user applies for the enchashment amount of money, it is 200 yuan, paying coefficient is 1.05, and in user account, remaining sum must be not less than 210 yuan.When application enchashment user sends enchashment application, system location enchashment user's geographic position; Communication module is used for and communication of mobile terminal, receive user's enchashment application, receive the successful confirmation of user's enchashment, server communication with base station, obtain enchashment user other customer mobile terminal numbers of a preset distance around, and enchashment application is sent on these other users' mobile terminal; Processing module, for the treatment of enchashment user's application, comprises and freezes the amount of money certain in user account, and when confirming enchashment success, the amount of money that processing module is freezed enchashment user account transfers on the user account of accepting enchashment application; The relevant information of memory module for storing user account, comprises account balance.
Above-mentioned preset distance is to realize by location, and in system of the present invention, this positioning function can be at user's mobile phone terminal, can be also at bank server end, if at bank server end, this bank server end also comprises a locating module 11; This locating module is oriented the user geographic position that sends application, and with business system communication (in the present embodiment, adopting telecom operation system), extracts other subscriber phone numbers of this geographic position periphery preset distance to telecom operation system; If at user's mobile phone terminal, comprise two kinds of locator meamss, wherein a kind of is by the GPS positioning function on mobile phone, and peripheral extent is identified, and the other side ID of identification is sent to banking system, banking system is sent to by the application of withdrawing deposit the mobile phone that these ID are corresponding; Another kind is that user directly utilizes mobile phone to orient the user of periphery, and the enchashment application information of bank's feedback is sent to the user mobile phone of orienting; Such as micro-letter instrument can send information near other phone numbers a certain cellphone subscriber.In the present embodiment, those users agree to accept to pay in cash user's (this arranges in the business that user can provide in bank and sets voluntarily) of application in advance.
Want instructions, in the present embodiment system, the user who receives enchashment application adopts the mode of racing to be the first to answer a question, it is effective whom who first replys, user in racing to be the first to answer a question pays cash in enchashment user, and confirm enchashment success by enchashment user's mobile terminal 2, the amount of money that processing module 13 is freezed enchashment user transfers on cash payment user's account.Memory module is for storing the balance amount information of user account, and transfers record, and the information such as user's application record.
In said system, confirm enchashment success, concrete mode is, cash payment user is with cash and mobile phone and enchashment user interactions, on mobile phone, there is corresponding program, enchashment user takes cash, and successful with fingerprint identification enchashment on cash payment user's mobile phone, this confirmation sends to bank by cash payment user's mobile phone.
Another kind of preferred mode is, cash payment user is with cash and enchashment user interactions, cash payment user pays cash in enchashment user, and (by enchashment user or cash payment user) key is confirmed enchashment success on enchashment user's mobile phone, this confirmation sends to bank by enchashment user's mobile phone, collects on delivery and confirms on the other hand.
Also have a kind of preferred mode to be, cash payment user claps serial number and the video recording of cash payment sight of getting banknote, and stores, is submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during by this enchashment application is transferred to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.The mode that the authorization information that this bank sends is transferred to enchashment user's mobile terminal can be Bluetooth transmission, note transmission or other wireless telecommunications etc., can be also oral informing.
It is worth mentioning that, in the above-mentioned method and system of the present invention, described periphery preset distance is according to a distance level scale sequential query, be that system first positions with 30 meters, periphery, if be not ready the user who pays in cash within the scope of 50 meters, with 100 meters, periphery, position, such the like, by distance level scale location, wherein this distance can be set voluntarily according to user when handling this banking.
The foregoing is only preferred embodiment of the present invention, all equalizations of doing according to the present patent application the scope of the claims change and modify, and all should belong to covering scope of the present invention.
Claims (10)
1. an implementation method for mobile banking, is characterized in that: comprise the following steps:
A, user send enchashment application by mobile terminal to bank;
B, bank, in the user account left fund of application enchashment, freeze the corresponding amount of money;
C, enchashment application is sent on other customer mobile terminals of this user's periphery preset distance;
D, be ready pay in cash user accept applications;
E, the user who applies for that accepts to pay in cash pay cash in the user of described application enchashment;
F, by mobile terminal, confirm enchashment success;
G, described in the amount of money that freezes transfer on the user account of described cash payment.
2. the implementation method of a kind of mobile banking as claimed in claim 1, it is characterized in that: the application information described in described steps A is containing the amount of money, described in step B, freezing the corresponding amount of money is that the amount of money of applying for enchashment is multiplied by payment coefficient, paying coefficient is that bank presets, for being more than or equal to 1 a numerical value.
3. the implementation method of a kind of mobile banking as claimed in claim 1, is characterized in that: described step C comprises the following steps:
C1, location enchashment customer location;
C2, the information obtained from base station, extract described enchashment customer location other customer mobile terminal numbers around;
C3, enchashment application is sent on the mobile terminal of described number.
4. the implementation method of a kind of mobile banking as claimed in claim 1, is characterized in that: other users described in described step C are for propping up existing user with meaning other users in advance.
5. the implementation method of a kind of mobile banking as claimed in claim 1, is characterized in that: accepting applications described in described step D, and refer to and be ready that the user who pays in cash adopts the mode of racing to be the first to answer a question to accept applications, it is effective whom who first replys.
6. the implementation method of a kind of mobile banking as claimed in claim 1, is characterized in that: the mode of confirming in described step F is included in enchashment user and receives after money, and this enchashment user sends confirmation to bank on the mobile terminal of oneself; Or the serial number of banknote is got in cash payment user bat and the sight of cash payment is recorded a video, and store, be submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during this enchashment application feeds back to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.
7. the system that realizes of mobile banking, is characterized in that comprising:
Mobile terminal, and bank account binding, for sending enchashment user's enchashment application; When enchashment user enchashment success, also for confirming enchashment success; The user that is used for paying in cash accepts enchashment application;
Bank server, comprises communication module, processing module and memory module, when application enchashment user sends enchashment application, and system location enchashment user's geographic position; Communication module is used for and communication of mobile terminal, receive user's enchashment application, receive the successful confirmation of user's enchashment, server communication with base station, obtain enchashment user other customer mobile terminal numbers of a preset distance around, and enchashment application is sent on described other users' mobile terminal; Processing module, for the treatment of enchashment user's application, comprises and freezes the amount of money certain in user account, and when confirming enchashment success, the amount of money that processing module is freezed enchashment user account transfers to be accepted on enchashment application an existing user account; The relevant information of memory module for storing user account, comprises account balance.
8. the system that realizes of a kind of mobile banking as claimed in claim 7, is characterized in that: cash payment user accept enchashment application refer to be ready pay in cash user adopt the mode of racing to be the first to answer a question to accept applications, it is effective whom who first replys.
9. the system that realizes of a kind of mobile banking as claimed in claim 7, is characterized in that: in described enchashment application, comprise amount information, the amount of money freezing equals to apply for that the amount of money of enchashment is multiplied by payment coefficient; Paying coefficient is predefined 1 the numerical value that is more than or equal to of bank, also can in user's application, revise this coefficient.
10. the system that realizes of a kind of mobile banking as claimed in claim 7, is characterized in that: the successful mode of described confirmation enchashment is included in enchashment user and receives after money, and this enchashment user sends confirmation to bank on the mobile terminal of oneself; Or the serial number of banknote is got in cash payment user bat and the sight of cash payment is recorded a video, and store, be submitted to bank and confirm; Or the authorization information of enchashment user bank's feedback during this enchashment application feeds back to cash payment user's mobile terminal, cash payment user is transmitted to bank again and confirms.
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| CN201310734382.6A CN103745346A (en) | 2013-12-27 | 2013-12-27 | Method and system for implementing mobile bank service |
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| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
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Application publication date: 20140423 |