CN113723946A - Transfer method, device and system for mobile phone bank - Google Patents
Transfer method, device and system for mobile phone bank Download PDFInfo
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention discloses a transfer method, a device and a system for a mobile phone bank, which are applied to the field of finance, wherein the method comprises the following steps: the method comprises the steps that a first mobile phone bank installed at a first terminal where a first user is located receives a transfer request of the first user to a second user, wherein the transfer request comprises transfer amount; the first mobile phone bank acquires first user SIM card information according to the transfer request, and sets the mobile phone number in the first user SIM card information as the mobile phone number of a transfer party when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank; and the first mobile phone bank is connected with the NFC of a second terminal where a second user is located through the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal. The invention can realize the operation of transferring accounts without inputting the card number of the bank card, thereby bringing convenience to the user in the situation of ensuring the transaction safety.
Description
Technical Field
The invention relates to the field of finance, in particular to a transfer method, device and system for a mobile phone bank.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when a user uses a transfer function in a mobile banking APP (Application), a bank card number of a payee needs to be input, and the number of the bank card number is large, so that the user cannot conveniently and quickly transfer money because the memory is inconvenient, and the user is easy to mistake the input. Therefore, how to accomplish the transfer operation without manually inputting the card number of the bank card under the condition of ensuring the transaction safety is a technical problem to be solved urgently at present.
Disclosure of Invention
The embodiment of the invention provides a transfer method of a mobile phone bank, which is used for completing transfer operation without manually inputting a bank card number under the condition of ensuring transaction safety, and comprises the following steps:
the method comprises the steps that a first mobile phone bank installed at a first terminal where a first user is located receives a transfer request of the first user to a second user, wherein the transfer request comprises a transfer amount;
the first mobile phone bank obtains first user SIM card information according to the transfer request, and when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank, the mobile phone number in the first user SIM card information is set as the mobile phone number of the transfer party; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
and the first mobile phone bank is connected with a second terminal where a second user is located through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
The embodiment of the invention also provides a transfer method of a mobile phone bank, which is used for completing transfer operation without manually inputting a bank card number under the condition of ensuring transaction safety, and comprises the following steps:
the second mobile phone bank installed at the second terminal where the second user is located is connected with the NFC of the first terminal where the first user is located through the second terminal, and receives the data sent by the first mobile phone bank installed at the first terminal: a transfer request of a first user to a second user and a mobile phone number of a transfer party; the transfer request includes a transfer amount; the mobile phone number of the transfer party is bound with a bank account of the first user;
the second mobile phone bank acquires the second user SIM card information, and sets the mobile phone number in the second user SIM card information as the mobile phone number of the payee when the mobile phone number in the second user SIM card information is checked to be consistent with the mobile phone number reserved by the second user in the second mobile phone bank; the mobile phone number reserved by the second user in the second mobile phone bank is bound with the bank account of the second user in advance;
and the second mobile phone bank sends the transfer request, the mobile phone number of the transfer party and the mobile phone number of the receiving party to a transfer management system, and the transfer management system is used for carrying out transfer operation according to the transfer request, the mobile phone number of the transfer party and the mobile phone number of the receiving party.
The embodiment of the invention also provides a transfer method of a mobile phone bank, which is used for completing transfer operation without manually inputting a bank card number under the condition of ensuring transaction safety, and comprises the following steps:
receiving a transfer request, a transfer party mobile phone number and a receiving party mobile phone number of a second user from a first user, wherein the transfer request comprises a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user; the mobile phone number of the payee is bound with the bank account of the second user;
deducting corresponding amount from a bank account of the first user according to the transfer request and the mobile phone number of the transfer party;
and according to the transfer request and the mobile phone number of the receiver, corresponding amount is issued to the bank account of the second user.
The embodiment of the invention also provides a transfer device of a mobile phone bank, which is applied to a first mobile phone bank installed at a first terminal of a first user and used for completing transfer operation without manually inputting a bank card number under the condition of ensuring transaction safety, and the device comprises:
a request receiving module: the account transfer system is used for receiving a transfer request of a first user to a second user, wherein the transfer request comprises a transfer amount;
the first SIM authentication module: the mobile phone number in the first user SIM card information is set as the mobile phone number of the transfer party when the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank according to the transfer request; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
an NFC sending module: and the NFC connection between the first terminal and a second terminal where a second user is located is used for sending the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
The embodiment of the invention also provides a transfer device of a mobile phone bank, which is applied to a second mobile phone bank installed at a second terminal where a second user is located and used for completing transfer operation without manually inputting a bank card number under the condition of ensuring transaction safety, and the device comprises:
an NFC receiving module: the NFC connection between the second terminal and the first terminal where the first user is located is used for receiving the data sent by the first mobile phone bank installed on the first terminal: a transfer request of a first user to a second user and a mobile phone number of a transfer party; the transfer request includes a transfer amount; the mobile phone number of the transfer party is bound with a bank account of the first user;
the second SIM verification module: the mobile phone number in the second user SIM card information is set as the mobile phone number of the payee when the SIM card information of the second user is acquired and the mobile phone number in the SIM card information of the second user is verified to be consistent with the mobile phone number reserved by the second user in a second mobile phone bank; the mobile phone number reserved by the second user in the second mobile phone bank is bound with the bank account of the second user in advance;
a sending module: and the transfer management system is used for carrying out transfer operation according to the transfer request, the mobile phone number of the transfer party and the mobile phone number of the collection party.
The embodiment of the invention also provides a transfer device of a mobile phone bank, which is applied to a transfer management system, wherein the transfer management system is used for carrying out transfer operation according to a transfer request, a transfer party mobile phone number and a receiving party mobile phone number, and is used for completing the transfer operation without manually inputting a bank card number under the condition of ensuring the transaction safety, and the device comprises:
the information receiving module: the system comprises a first user, a second user and a third user, wherein the first user is used for receiving a transfer request of the first user to the second user, a mobile phone number of a transfer party and a mobile phone number of a receiving party, and the transfer request comprises a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user; the mobile phone number of the payee is bound with the bank account of the second user;
and a deduction amount module: the account transfer system is used for deducting corresponding amount from a bank account of the first user according to the account transfer request and the mobile phone number of the account transfer party;
an amount issuing module: and the mobile phone is used for issuing corresponding amount to the bank account of the second user according to the transfer request and the mobile phone number of the receiver.
The embodiment of the invention also provides a transfer system of the mobile phone bank, which comprises the following steps:
the transfer device applied to the mobile phone bank of the first mobile phone bank, the transfer device applied to the mobile phone bank of the second mobile phone bank and the transfer device applied to the mobile phone bank of the transfer management system are all adopted.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor realizes the transfer method of the mobile banking when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transfer method of the mobile phone bank.
In the embodiment of the invention, a first mobile phone bank acquires first user SIM card information according to a transfer request, and sets the mobile phone number in the first user SIM card information as the mobile phone number of a transfer party when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank; the first mobile phone bank is connected with a second terminal of a second user through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal; the second mobile phone bank acquires the second user SIM card information, and sets the mobile phone number in the second user SIM card information as the mobile phone number of the payee when the mobile phone number in the second user SIM card information is checked to be consistent with the mobile phone number reserved by the second user in the second mobile phone bank; the account transfer request is sent to the account transfer management system by the second mobile phone bank, the mobile phone number of the account transfer party and the mobile phone number of the payee are sent to the account transfer management system, the account transfer management system is used for carrying out account transfer operation according to the account transfer request, the mobile phone number of the account transfer party and the mobile phone number of the payee, compared with the technical scheme that the bank card number of the payee is input for carrying out account transfer in the prior art, the operation of account transfer can be completed without inputting the bank card number by comparing and verifying the mobile phone number reserved by the mobile phone bank and the mobile phone number stored by the SIM card and transmitting information through near field communication, and therefore convenience is brought to account transfer of a user under the situation of guaranteeing transaction safety.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a process flow diagram of a method for transferring funds by a mobile banking machine in an embodiment of the present invention;
FIG. 2 is a process flow diagram of a method for transferring funds by a mobile banking application in an embodiment of the present invention;
FIG. 3 is a process flow diagram of a method for transferring funds by a mobile banking application in an embodiment of the present invention;
FIG. 4 is a schematic diagram of a transfer device of a mobile banking machine according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a configuration of a transfer device of a mobile banking machine according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a configuration of a bank transfer device of a mobile banking machine according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a transfer system of a mobile banking system in the embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Embodiments of the present invention relate to the following terms, which are explained as follows:
SIM card: the sim (subscriber Identity module) card is an integrated circuit card held by the mobile subscriber, called a subscriber Identity card.
NFC: near Field Communication (NFC for short), devices (e.g., mobile phones) using NFC technology can exchange data when they are close to each other, and are integrated and evolved from non-contact radio frequency identification and interconnection technology, and by integrating functions of an induction card reader, an induction card and point-to-point Communication on a single chip, applications such as mobile payment, electronic ticketing, door access, mobile identity identification, anti-counterfeiting and the like are realized by using a mobile terminal.
In order to realize rapid account transfer under the condition of ensuring transaction safety, the embodiment of the invention adopts the modes of comparing and verifying the mobile phone number reserved by a mobile phone bank and the mobile phone number stored by an SIM card and transmitting information by near field communication so as to realize that account transfer can be completed without manually inputting the card number of the bank card. FIG. 1 is a process flow diagram of a method for transferring money by mobile banking in an embodiment of the present invention. As shown in fig. 1, the transfer method of the mobile banking in the embodiment of the present invention may include:
102, the first mobile phone bank obtains first user SIM card information according to the transfer request, and when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank, the mobile phone number in the first user SIM card information is set as the mobile phone number of a transfer party; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
and 103, the first mobile phone bank is connected with a second terminal where a second user is located through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
As can be known from the flow shown in fig. 1, the method for transferring accounts in a mobile phone bank according to the embodiment of the present invention is different from the method for manually inputting bank card numbers by a user in the prior art, and is based on the comparison and verification between the mobile phone numbers reserved in the mobile phone bank and the stored mobile phone numbers of the SIM card, and the method for transmitting information through near field communication, which can avoid the situations that the memory is inconvenient and the input is easy to be mistaken because the bank card numbers are too long, and reflect the characteristics of the SIM card that the transaction is verified and the NFC that the information is transmitted quickly, and is a method for transferring accounts that can be more safe and convenient.
In one embodiment, for step 101, it may be: the method includes the steps that a first terminal installed at a first user, such as a first mobile phone bank of a first mobile phone, receives a transfer request of the first user for a second user through a first mobile phone keyboard, wherein the transfer request can comprise a transfer amount, for example, the first mobile phone bank installed at the first mobile phone receives the transfer request of the first user for the second user through the first mobile phone keyboard, and the transfer request can comprise the transfer amount of 100 RMB.
In one embodiment, the first mobile banking presents to the first user at least one bank account associated with the first user for selection by the first user prior to receiving the transfer request; the first mobile phone bank binds a mobile phone number reserved by the first user in the first mobile phone bank with a bank account selected by the first user, for example, before the first mobile phone bank receives a transfer request of the first user, at least one bank account associated with the first user is displayed to the first user through a screen of the first mobile phone for the first user to select; the first mobile phone bank binds a mobile phone number reserved by a first user in a first mobile phone bank with a bank account selected by the first user, so that the mobile phone number reserved by the first user in the first mobile phone bank and the bank account selected by the first user have relevance, for example, before the first mobile phone bank receives a transfer request of the first user, a bank account A and a bank account B associated with the first user are displayed to the first user through a screen of the first mobile phone for the first user to select; the first cellphone bank binds the cellphone number 186 … … reserved by the first user at the first cellphone bank with the bank a account selected by the first user.
In one embodiment, the binding, by the first mobile banking bank, the mobile phone number reserved by the first user at the first mobile banking with the bank account selected by the first user may include: the first mobile phone bank performs security authentication on the payment password of the bank account selected by the first user, after the security authentication is passed, the mobile phone number reserved in the first mobile phone bank by the first user is bound with the bank account selected by the first user, for example, the first mobile phone bank performs security authentication on the payment password 123123 of the bank account A selected by the first user, after the payment password 123123 is input and the security authentication is passed, the mobile phone number 186 … … reserved in the first mobile phone bank by the first user is bound with the bank account A selected by the first user.
In one embodiment, for step 102, it may be: the first mobile phone bank acquires first user SIM card information according to the transfer request, and sets the mobile phone number in the first user SIM card information as the mobile phone number of a transfer party when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank; for example, the first mobile phone bank obtains the SIM card information of the first user according to the transfer request, and when checking that the phone number 186 … … in the SIM card information of the first user is consistent with the phone number 186 … … reserved by the first user in the first mobile phone bank, sets the phone number 186 … … in the SIM card information of the first user as the phone number of the transfer party; the mobile phone number 186 … … reserved by the first user in the first mobile phone bank is bound with the bank account of the first user in advance.
In one embodiment, for step 103, it may be: the first mobile phone bank is connected with the second terminal of the second user through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to the second mobile phone bank installed at the second terminal, for example, the first mobile phone bank is connected with the NFC of the second terminal of the second user through the NFC of the first terminal, and sends the transfer request 100 RMB and the mobile phone number 186 … … of the transfer party to the second mobile phone bank installed at the second terminal.
In one embodiment, the sending of the transfer request and the mobile phone number of the transfer party to the second handset bank installed in the second terminal by the first handset bank through the NFC connection between the first terminal and the second terminal where the second user is located may include: the first mobile phone bank conducts transaction safety certification on a first user, after the transaction safety certification is passed, the transfer request and the mobile phone number of the transfer party are sent to the second mobile phone bank installed on a second terminal through NFC connection of the first terminal and the second terminal where the second user is located, for example, the first mobile phone bank conducts transaction safety certification on the first user, and after the transaction safety certification is passed, the transfer request 100-element folk money and the mobile phone number 186 … … of the transfer party are sent to the second mobile phone bank installed on the second terminal through NFC connection of the first terminal and the second terminal where the second user is located.
In one embodiment, the first mobile banking performing transaction security authentication on the first user may include: the first mobile phone bank carries out transaction security authentication on the first user through one or a combination of the following authentication modes: password authentication, fingerprint authentication and face authentication.
FIG. 2 is a process flow diagram of a method for transferring money by mobile banking in an embodiment of the present invention. As shown in fig. 2, the transfer method of the mobile banking in the embodiment of the present invention may include:
and 203, the bank of the second mobile phone sends the transfer request, the mobile phone number of the transfer party and the mobile phone number of the collection party to a transfer management system, and the transfer management system is used for transferring money according to the transfer request, the mobile phone number of the transfer party and the mobile phone number of the collection party.
In one embodiment, for step 201, it may be: install in the second mobile phone bank at second user place second terminal, NFC through the second terminal is connected with the NFC at first user place first terminal, and what the first mobile phone bank of receiving installation at first terminal sent comes: a first user's request for a transfer to a second user, and a transfer party phone number 186 … …; the transfer request includes a transfer amount of 100 RMB; the transfer party phone number 186 … … is bound to the first user's bank account.
In one embodiment, the second handset bank presents to the second user at least one bank account associated with the second user for selection by the second user prior to receiving the transfer request; the second mobile phone bank binds the mobile phone number reserved by the second user in the second mobile phone bank with the bank account selected by the second user, for example, before the second mobile phone bank receives the transfer request, the bank account A and the bank account B associated with the second user are displayed for the second user to select; and the second handset bank binds the handset number 138 … … reserved by the second user in the second handset bank with the bank account A selected by the second user.
In one embodiment, the binding, by the second handset bank, the handset number reserved by the second user in the second handset bank with the bank account selected by the second user may include: the second handset bank performs security authentication on the payment password of the bank account selected by the second user, after the security authentication is passed, the handset number reserved by the second user in the second handset bank is bound with the bank account selected by the second user, for example, the second handset bank performs security authentication on 111222 of the bank account A selected by the second user, after the payment password 111222 is input and the security authentication is passed, the handset number 138 … … reserved by the second user in the second handset bank is bound with the bank account A selected by the second user.
In one embodiment, for step 202, it may be: the second mobile phone bank obtains the second user SIM card information, and when the mobile phone number 138 … … in the second user SIM card information is verified to be consistent with the mobile phone number 138 … … reserved by the second user in the second mobile phone bank, the mobile phone number 138 … … in the second user SIM card information is set as the mobile phone number of the payee; the mobile phone number 138 … … reserved by the second user in the second handset bank is bound with the bank account of the second user in advance.
In one embodiment, for step 203, it may be: the second handset bank sends the transfer request, the phone number of the transfer party and the phone number of the payee party to the transfer management system, the transfer management system is used for carrying out transfer operation according to 100 RMB of the transfer request, 186 … … of the phone number of the transfer party and 138 … … of the payee party, and the 100 RMB is transferred from the bank account A bound with 186 … … of the transfer party to the bank account A bound with 138 … … of the payee party.
FIG. 3 is a process flow diagram of a method for transferring money by mobile banking in an embodiment of the present invention. As shown in fig. 3, the transfer method of the mobile banking in the embodiment of the present invention may include:
and step 303, according to the transfer request and the phone number of the payee, issuing corresponding amount to the bank account of the second user.
In one embodiment, for step 301, it may be: receiving a transfer request of a first user to a second user, a transfer party mobile phone number 186 … … and a receiving party mobile phone number 138 … …, wherein the transfer request comprises transfer amount 100 RMB; the transfer party phone number 186 … … is bound to the first user's bank account; the payee phone number 138 … … is bound to the second user's bank account.
In one embodiment, for step 302, it may be: the corresponding amount of 100-element rmb is deducted from the first user's bank account a based on the transfer request 100-element rmb and the transfer party's phone number 186 … ….
In one embodiment, for step 303, it may be: and according to the transfer request 100 yuan and the payee mobile phone number 138 … …, corresponding 100 yuan money is issued to the bank account A of the second user.
The embodiment of the invention also provides a transfer device for the mobile phone bank, which is described in the following embodiment. The principle of solving the problems of the device is similar to the transfer method of the mobile phone bank, so the implementation of the transfer device of the mobile phone bank can refer to the implementation of the transfer method of the mobile phone bank, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of a transfer device of a mobile banking system according to an embodiment of the present invention, where the transfer device is applied to a first mobile banking system installed at a first terminal where a first user is located. As shown in fig. 4, the transfer device of the mobile banking in this example may include:
the receive request module 401: the account transfer system is used for receiving a transfer request of a first user to a second user, wherein the transfer request comprises a transfer amount;
the first SIM authentication module 402: the mobile phone number in the first user SIM card information is set as the mobile phone number of the transfer party when the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank according to the transfer request; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
NFC transmission module 403: and the NFC connection between the first terminal and a second terminal where a second user is located is used for sending the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
In one embodiment, the transfer device of the mobile banking shown in fig. 4 may further include:
a first show account module: the bank account display module is used for displaying at least one bank account associated with the first user to the first user for selection by the first user before the transfer request is received by the receiving request module;
a first bound account module: the mobile phone number binding method is used for binding the mobile phone number reserved by the first user in the first mobile phone bank with the bank account selected by the first user.
In one embodiment, the first bound account module may be specifically configured to:
and carrying out security authentication on the payment password of the bank account selected by the first user, and binding the mobile phone number reserved by the first user in the first mobile phone bank with the bank account selected by the first user after the security authentication is passed.
In an embodiment, the NFC sending module 403 may specifically be configured to:
and performing transaction security authentication on the first user, and after the transaction security authentication is passed, sending the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at a second terminal through the NFC connection between the first terminal and the second terminal where the second user is located.
In an embodiment, the NFC sending module 403 may specifically be configured to:
and performing transaction security authentication on the first user through one or a combination of the following authentication modes:
password authentication, fingerprint authentication and face authentication.
Fig. 5 is a schematic structural diagram of a transfer device of a mobile banking in the embodiment of the present invention, where the transfer device is applied to a second mobile banking installed at a second terminal where a second user is located. As shown in fig. 5, the transfer device of the mobile banking in this example may include:
NFC receiving module 501: the NFC connection between the second terminal and the first terminal where the first user is located is used for receiving the data sent by the first mobile phone bank installed on the first terminal: a transfer request of a first user to a second user and a mobile phone number of a transfer party; the transfer request includes a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user;
the second SIM check module 502: the mobile phone number in the second user SIM card information is set as the mobile phone number of the payee when the SIM card information of the second user is acquired and the mobile phone number in the SIM card information of the second user is verified to be consistent with the mobile phone number reserved by the second user in a second mobile phone bank; the mobile phone number reserved by the second user in the second mobile phone bank is bound with the bank account of the second user in advance;
the sending module 503: the account transfer management system is used for sending the account transfer request, the mobile phone number of the account transfer party and the mobile phone number of the payee to the account transfer management system, and the account transfer management system is used for carrying out account transfer operation according to the account transfer request, the mobile phone number of the account transfer party and the mobile phone number of the payee.
In one embodiment, the transfer device of the mobile banking shown in fig. 5 may further include:
a second show account module: the NFC receiving module is used for receiving a transfer request sent by the NFC receiving module, and displaying at least one bank account associated with the second user to the second user for selection by the second user;
a second bound account module: and the mobile phone number is used for binding the mobile phone number reserved by the second user in the second mobile phone bank with the bank account selected by the second user.
In one embodiment, the second bound account module may be specifically configured to:
and carrying out security authentication on the payment password of the bank account selected by the second user, and binding the mobile phone number reserved by the second user in the second mobile phone bank with the bank account selected by the second user after the security authentication is passed.
Fig. 6 is a schematic structural diagram of a transfer device of a mobile banking in the embodiment of the present invention, where the transfer device is applied to a transfer management system, and the transfer management system is configured to perform a transfer operation according to a transfer request, a mobile phone number of a transfer party, and a mobile phone number of a receiving party. As shown in fig. 6, the transfer device of the mobile banking in this example may include:
the information receiving module 601: the system comprises a first user, a second user and a third user, wherein the first user is used for receiving a transfer request of the first user to the second user, a transfer party mobile phone number and a receiving party mobile phone number, and the transfer request comprises a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user; the mobile phone number of the payee is bound with the bank account of the second user;
deduction module 602: the account transfer system is used for deducting corresponding amount from a bank account of the first user according to the account transfer request and the mobile phone number of the account transfer party;
the amount issued module 603: and the mobile phone number management module is used for issuing corresponding amount to the bank account of the second user according to the transfer request and the mobile phone number of the receiver.
Fig. 7 is a schematic structural diagram of a transfer system of a mobile banking system in the embodiment of the invention. As shown in fig. 7, the money transfer system of the mobile banking in the embodiment of the present invention may include:
the transfer apparatus 400 shown in fig. 4 applied to the cell phone bank of the first cell phone bank, the transfer apparatus 500 shown in fig. 5 applied to the cell phone bank of the second cell phone bank, and the transfer apparatus 600 shown in fig. 6 applied to the cell phone bank of the transfer management system.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor realizes the transfer method of the mobile banking when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transfer method of the mobile phone bank.
In the embodiment of the invention, a first mobile phone bank acquires first user SIM card information according to a transfer request, and sets the mobile phone number in the first user SIM card information as the mobile phone number of a transfer party when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank; the first mobile phone bank is connected with a second terminal of a second user through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal; the second mobile phone bank acquires the second user SIM card information, and sets the mobile phone number in the second user SIM card information as the mobile phone number of the payee when the mobile phone number in the second user SIM card information is checked to be consistent with the mobile phone number reserved by the second user in the second mobile phone bank; the account transfer request is sent to the account transfer management system by the second mobile phone bank, the mobile phone number of the account transfer party and the mobile phone number of the payee are sent to the account transfer management system, the account transfer management system is used for carrying out account transfer operation according to the account transfer request, the mobile phone number of the account transfer party and the mobile phone number of the payee, compared with the technical scheme that the bank card number of the payee is input for carrying out account transfer in the prior art, the operation of account transfer can be completed without inputting the bank card number by comparing and verifying the mobile phone number reserved by the mobile phone bank and the mobile phone number stored by the SIM card and transmitting information through near field communication, and therefore convenience is brought to account transfer of a user under the situation of guaranteeing transaction safety.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A transfer method of a mobile phone bank is characterized by comprising the following steps:
the method comprises the steps that a first mobile phone bank installed at a first terminal where a first user is located receives a transfer request of the first user to a second user, wherein the transfer request comprises a transfer amount;
the first mobile phone bank obtains first user SIM card information according to the transfer request, and when the mobile phone number in the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank, the mobile phone number in the first user SIM card information is set as the mobile phone number of the transfer party; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
and the first mobile phone bank is connected with a second terminal where a second user is located through the NFC of the first terminal, and sends the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
2. The method of claim 1, further comprising:
before receiving the transfer request, the first mobile phone bank displays at least one bank account associated with the first user to the first user for the first user to select;
and the first mobile phone bank binds the mobile phone number reserved by the first user in the first mobile phone bank with the bank account selected by the first user.
3. The method of claim 2, wherein the first mobile banking machine binding a mobile number reserved by the first user at the first mobile banking machine with the bank account selected by the first user comprises:
and the first mobile phone bank performs security authentication on the payment password of the bank account selected by the first user, and binds the mobile phone number reserved by the first user in the first mobile phone bank with the bank account selected by the first user after the security authentication is passed.
4. A method as claimed in any one of claims 1 to 3, wherein the first handset bank sends the transfer request and the transfer party handset number to the second handset bank installed in the second terminal via an NFC connection between the first terminal and the second terminal where the second user is located, comprising:
and the first mobile phone bank carries out transaction safety certification on the first user, and after the transaction safety certification is passed, the transfer request and the mobile phone number of the transfer party are sent to the second mobile phone bank installed at the second terminal through the NFC connection between the first terminal and the second terminal where the second user is located.
5. The method of claim 4, wherein the first mobile banking performing transaction security authentication for the first user comprises:
the first mobile phone bank carries out transaction security authentication on the first user through one or a combination of the following authentication modes:
password authentication, fingerprint authentication and face authentication.
6. A transfer method of a mobile phone bank is characterized by comprising the following steps:
the second mobile phone bank installed at the second terminal where the second user is located is connected with the NFC of the first terminal where the first user is located through the second terminal, and receives the data sent by the first mobile phone bank installed at the first terminal: a transfer request of a first user to a second user and a mobile phone number of a transfer party; the transfer request includes a transfer amount; the mobile phone number of the transfer party is bound with a bank account of the first user;
the second mobile phone bank acquires the second user SIM card information, and sets the mobile phone number in the second user SIM card information as the mobile phone number of the payee when the mobile phone number in the second user SIM card information is checked to be consistent with the mobile phone number reserved by the second user in the second mobile phone bank; the mobile phone number reserved by the second user in the second mobile phone bank is bound with the bank account of the second user in advance;
and the second mobile phone bank sends the transfer request, the mobile phone number of the transfer party and the mobile phone number of the receiving party to a transfer management system, and the transfer management system is used for carrying out transfer operation according to the transfer request, the mobile phone number of the transfer party and the mobile phone number of the receiving party.
7. The method of claim 6, further comprising:
before the second mobile phone bank receives the transfer request, at least one bank account related to the second user is displayed to the second user for the second user to select;
and the second mobile phone bank binds the mobile phone number reserved by the second user in the second mobile phone bank with the bank account selected by the second user.
8. The method of claim 7, wherein the second handset bank binding the second user's reserved handset number at the second handset bank with the second user's selected bank account comprises:
and the second mobile phone bank performs security authentication on the payment password of the bank account selected by the second user, and binds the mobile phone number reserved by the second user in the second mobile phone bank with the bank account selected by the second user after the security authentication is passed.
9. A transfer method of a mobile phone bank is characterized by comprising the following steps:
receiving a transfer request, a transfer party mobile phone number and a receiving party mobile phone number of a second user from a first user, wherein the transfer request comprises a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user; the mobile phone number of the payee is bound with the bank account of the second user;
deducting corresponding amount from a bank account of the first user according to the transfer request and the mobile phone number of the transfer party;
and according to the transfer request and the mobile phone number of the receiver, corresponding amount is issued to the bank account of the second user.
10. The utility model provides a transfer device of cell-phone bank which characterized in that is applied to and installs in the first cell-phone bank at first user place first terminal, and the device includes:
a request receiving module: the account transfer system is used for receiving a transfer request of a first user to a second user, wherein the transfer request comprises a transfer amount;
the first SIM authentication module: the mobile phone number in the first user SIM card information is set as the mobile phone number of the transfer party when the first user SIM card information is checked to be consistent with the mobile phone number reserved by the first user in the first mobile phone bank according to the transfer request; the mobile phone number reserved by the first user in the first mobile phone bank is bound with a bank account of the first user in advance;
an NFC sending module: and the NFC connection between the first terminal and a second terminal where a second user is located is used for sending the transfer request and the mobile phone number of the transfer party to a second mobile phone bank installed at the second terminal.
11. The utility model provides a transfer device of cell-phone bank which characterized in that is applied to the second cell-phone bank of installing in the second terminal of second user place, and the device includes:
an NFC receiving module: the NFC connection between the second terminal and the first terminal where the first user is located is used for receiving the data sent by the first mobile phone bank installed on the first terminal: a transfer request of a first user to a second user and a mobile phone number of a transfer party; the transfer request includes a transfer amount; the mobile phone number of the transfer party is bound with a bank account of the first user;
the second SIM verification module: the mobile phone number in the second user SIM card information is set as the mobile phone number of the payee when the SIM card information of the second user is acquired and the mobile phone number in the SIM card information of the second user is verified to be consistent with the mobile phone number reserved by the second user in a second mobile phone bank; the mobile phone number reserved by the second user in the second mobile phone bank is bound with the bank account of the second user in advance;
a sending module: and the transfer management system is used for carrying out transfer operation according to the transfer request, the mobile phone number of the transfer party and the mobile phone number of the collection party.
12. The utility model provides a transfer device of cell-phone bank which characterized in that is applied to transfer management system, and this transfer management system is used for carrying out the transfer operation according to transfer request, transfer party's cell-phone number and payee's cell-phone number, and the device includes:
the information receiving module: the system comprises a first user, a second user and a third user, wherein the first user is used for receiving a transfer request of the first user to the second user, a mobile phone number of a transfer party and a mobile phone number of a receiving party, and the transfer request comprises a transfer amount; the mobile phone number of the transfer party is bound with the bank account of the first user; the mobile phone number of the payee is bound with the bank account of the second user;
and a deduction amount module: the account transfer system is used for deducting corresponding amount from a bank account of the first user according to the account transfer request and the mobile phone number of the account transfer party;
an amount issuing module: and the mobile phone is used for issuing corresponding amount to the bank account of the second user according to the transfer request and the mobile phone number of the receiver.
13. A system for transferring funds in a mobile banking machine, comprising:
a bank account transfer apparatus as claimed in claims 10, 11 and 12.
14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 9 when executing the computer program.
15. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 9.
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| CN202111080684.7A CN113723946A (en) | 2021-09-15 | 2021-09-15 | Transfer method, device and system for mobile phone bank |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111080684.7A CN113723946A (en) | 2021-09-15 | 2021-09-15 | Transfer method, device and system for mobile phone bank |
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