CN104156851A - Automatic account transfer method based on mobile phone number - Google Patents
Automatic account transfer method based on mobile phone number Download PDFInfo
- Publication number
- CN104156851A CN104156851A CN201410409767.XA CN201410409767A CN104156851A CN 104156851 A CN104156851 A CN 104156851A CN 201410409767 A CN201410409767 A CN 201410409767A CN 104156851 A CN104156851 A CN 104156851A
- Authority
- CN
- China
- Prior art keywords
- bank
- account
- fund
- deposit
- account transfer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Abstract
Conventional payment is based on an opening bank and bank account number, so that one needs to ask for the opening bank and bank account number of the opposite party; however, the problem is when one is transferring accounts, if the account transfer is done between the same opening bank, the service charge may be zero, and if the account transfer is done between different opening banks, the rate of charge is different, and the charge may be high or low; besides, when one is transferring accounts, if the account transfer is done between the same opening bank, the transferred account may be obtained in real time; and if the account transfer is done between different opening banks, settlement between the banks always exists, and the transferred account arriving time is hard to control; and therefore, the problem led to is that when the one is transferring accounts, a capital receiver always does not know the opening bank where the capital of a capital transferer deposits, that is, when the capital receiver is told the opening bank and the bank account number of the capital transferer, the opening bank of the capital of the capital transferer is not associated. The technical problem to be solved in the invention is that through automatic method, the opening banks can be automatically matched during account transfer, thereby enabling the time of account transfer to be fastest and the service charge to be minimum.
Description
Technical field
The present invention relates to payment technology, especially mobile payment technology.
Background technology
Traditional payment all needs to ask for bank of deposit and account to the other side, is the payment based on bank of deposit and account.
Problem is, during account transfer, turns to identical bank of deposit, and its service charge may be zero, turns to different banks of deposit, and the rate of its service charge is different, may have dividing of height.
And, during account transfer, turning to identical bank of deposit, its account transfer can arrive in real time, turns to different banks of deposit, and total existence in the ranks settled accounts, and the account transfer time is difficult to control.
The reason that causes this problem to occur is, during account transfer, fund recipient does not often know that fund produces people's fund place bank of deposit,, fund recipient is when the fund of informing produces Ren Qi bank of deposit and account, and the bank of deposit that itself and fund is not produced to people's fund is associated.
Summary of the invention
The technical problem to be solved in the present invention is by automated method, in account transfer, time automatically carries out the coupling of bank of deposit, makes that the time of account transfer is the fastest, and service charge is economized most etc.
The technical solution adopted in the present invention is:
An automatic account transfer method based on cell-phone number, fund produces people and fund recipient Dou Jiangqi bank of deposit and account information and its handset binding, it is characterized in that: comprise server, step is;
(1) when fund produces, fund produce people by cell-phone number by account transfer requirement announcement server;
(2) server is pressed cell-phone number according to fund recipient's bank of deposit and account binding information, and bank of deposit and account that automatic screening is suitable are transferred accounts;
(3) after having transferred accounts, server by account transfer complete information respectively notice fund produce people and fund recipient.
Described suitable bank of deposit and account, refer to that fund produces people and has identical bank of deposit with fund recipient, and Ze Gai bank of deposit and account are preferentially selected.
Described suitable bank of deposit and account, can also economize from fund recipient and bind bank of deposit and account list and select by service charge most.
The invention has the beneficial effects as follows:
While one, transferring accounts, fund produces people can select cell-phone number account transfer by the address list from own mobile phone, and the possibility of having avoided fund recipient to make a mistake or be tampered in informing bank of deposit and account process, makes to transfer accounts safer;
While two, transferring accounts, bank of deposit and account by server automatic screening fund recipient, make to transfer accounts more convenient, more can meet the requirement that fund produces people or fund recipient, accomplishes that the time is the fastest, and service charge is economized most.
Embodiment
Bank of deposit and account that automatic screening of the present invention is suitable are transferred accounts, and other agreements that can also produce people or fund recipient according to fund are carried out.These agreements may comprise account " credit " or " debit " attribute etc.As long as can affect the behavior of account transfer, these behaviors can be presented in advance on mobile phone and produce people or fund recipient selection for fund, make server can carry out accordingly automatic screening, are just equal to the feature " automatic screening " of technical solution of the present invention.
Claims (3)
1. the automatic account transfer method based on cell-phone number, fund produces people and fund recipient Dou Jiangqi bank of deposit and account information and its handset binding, it is characterized in that: comprise server, step is;
(1) when fund produces, fund produce people by cell-phone number by account transfer requirement announcement server;
(2) server is pressed cell-phone number according to fund recipient's bank of deposit and account binding information, and bank of deposit and account that automatic screening is suitable are transferred accounts;
(3) after having transferred accounts, server by account transfer complete information respectively notice fund produce people and fund recipient.
2. suitable bank of deposit and account according to claim 1, is characterized in that: refer to that fund produces people and has identical bank of deposit with fund recipient, Ze Gai bank of deposit and account are preferentially selected.
3. suitable bank of deposit and account according to claim 1, is characterized in that: can also economize most from fund recipient and bind bank of deposit and account list and select by service charge.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410409767.XA CN104156851A (en) | 2014-08-20 | 2014-08-20 | Automatic account transfer method based on mobile phone number |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410409767.XA CN104156851A (en) | 2014-08-20 | 2014-08-20 | Automatic account transfer method based on mobile phone number |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104156851A true CN104156851A (en) | 2014-11-19 |
Family
ID=51882346
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410409767.XA Pending CN104156851A (en) | 2014-08-20 | 2014-08-20 | Automatic account transfer method based on mobile phone number |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104156851A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107705111A (en) * | 2016-12-02 | 2018-02-16 | 西安艾润物联网技术服务有限责任公司 | Electric paying method 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 |
| TWI786375B (en) * | 2020-02-14 | 2022-12-11 | 財金資訊股份有限公司 | Data Protection System and Method for Mobile Phone Number Agreed Transfer |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1691074A (en) * | 2004-04-30 | 2005-11-02 | 杨红芳 | Payment card processing system |
| US20060265326A1 (en) * | 2005-05-19 | 2006-11-23 | Barrett Mary H | Method and apparatus for payment without payment card infrastructure |
| CN101777166A (en) * | 2010-01-21 | 2010-07-14 | 中国光大银行 | Bank transfer method by using mobile phone |
-
2014
- 2014-08-20 CN CN201410409767.XA patent/CN104156851A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1691074A (en) * | 2004-04-30 | 2005-11-02 | 杨红芳 | Payment card processing system |
| US20060265326A1 (en) * | 2005-05-19 | 2006-11-23 | Barrett Mary H | Method and apparatus for payment without payment card infrastructure |
| CN101777166A (en) * | 2010-01-21 | 2010-07-14 | 中国光大银行 | Bank transfer method by using mobile phone |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107705111A (en) * | 2016-12-02 | 2018-02-16 | 西安艾润物联网技术服务有限责任公司 | Electric paying method 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 |
| TWI786375B (en) * | 2020-02-14 | 2022-12-11 | 財金資訊股份有限公司 | Data Protection System and Method for Mobile Phone Number Agreed Transfer |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20141119 |