CN1533141A

CN1533141A - Relative cellphone bank trade method without using credit card and bebit card

Info

Publication number: CN1533141A
Application number: CNA031139485A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2003-03-20
Filing date: 2003-03-20
Publication date: 2004-09-29

Abstract

This invention relates to a method for paying money, canceling and transferring account by cell phone only not using credit cards. When a payer sends an assigned transaction information to the accounting system of the bank computer by a cell phone, the bank prestores the money in the said system in light of the order. An other payee sends the charging information to the bank computer accounting system by a hand call, the back checks the information of both parties to pay the concerned money to the payee. The hand call can be replaced by hand-free phones or computers capable of sending E-mail.

Description

Corresponding mobile banking transaction method without credit card and debit card

TECHNICAL FIELD OF THE INVENTION

The present invention relates to utilize the communication field that mobile phone concludes the business and the financial settlement field of bank transaction.

The technical background of invention

In present society, it is professional that bank account can utilize many modern telecommunication instruments to take place, as POS machine, ATM, Web bank, telephone bank or the like, provide great convenience to people, also, bank account basic right people provides technical support for carrying out account's appointment business.

The development of mechanics of communication now provides possibility as mobile phone, landline telephone, popularizing to people in time obtain various information of the Internet.

Goal of the invention

Because the modern communication development of science and technology, people wish that more and more section's technical ability brings the facility of bank settlement aspect to people, just can pay the bill, transfer accounts or the like another people as not needing to carry various bank cards.The present invention is exactly in order to reach above purpose.

Summary of the invention

The present invention is based on the development of The present computer technology and modern communications technology.

Bank account all needs to send signal by certain instrument to the banking computer accounting system, as the computer of POS machine, ATM, bank counter computer, operational line, the phone of telephone bank when especially business takes place the account of Private Banking.What send signal to the banking computer accounting system in this specification is mobile phone, and landline telephone or computer also can replace mobile phone to send above trading instruction among the present invention in addition.

Be the convenience in the statement, the unit that this specification is taken deposits each business bank, urban credit cooperative, rural credit cooperative, postal saving etc. is referred to as bank.

Method of the present invention mainly comprises the steps:

1, the requestee sends the reservation instruction of carrying out payment business by mobile phone to the banking computer accounting system in advance, and command content can comprise requestee's telephone number or bank's card number or Bank Account Number, requestee's password, Payment Amount, payee's telephone number;

2, after the banking computer accounting system is received requestee's instruction and its identity examined, the fund of the corresponding amount of money is pre-stored in the banking computer accounting system by time of requestee's requirement;

3, the payee utilizes mobile phone to send the instruction of collecting fund to bank, and command content can comprise payee's telephone number, requestee's telephone number or bank's card number or Bank Account Number, collection amount;

4, after bank carries out confirmation to requestee's payment instruction and payee's gathering instruction, pay corresponding fund to the payee;

Among the present invention, the instruction that requestee and payee send to bank can mobile phone audio communication communication modes or the digital communication mode send, as SMS or voice message phone or Email; Mobile phone described in the present invention in addition, available landline telephone or computer replace to send trading instruction.

The present invention is further illustrated below by drawings and Examples:

The step of the process description method of the present invention of Figure of description.

1, other people is paid the bill and when not using bank card when the payment human desires, perhaps other people want POS machine consumption or the ATM when withdrawing the money etc. on behalf of payment of requestee to oneself, the requestee just can pass through mobile phone in advance, as dial 95599 or other SMSs or addresses of items of mail etc. enter the banking computer accounting system, send the reservation payment instruction that carries out payment business to the banking computer accounting system.Can comprise requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321, requestee's password 336688,3000 yuan of Payment Amount RMB, payee's telephone number 13012345678 as the payment instruction content; As long as the requestee also can send information to the banking computer accounting system with bank's own phone number 13138872266 of making an appointment, then the banking computer accounting system is corresponding with requestee bank card number 123456 or Bank Account Number 654321 with this phone number automatically, then requestee's payment instruction can not comprise bank's card number 123456 or Bank Account Number 654321, because bank can be with its phone number 13138872266 and its bank's card number 123456 or Bank Account Number 654321 automatic correspondences;

2, the banking computer accounting system is received requestee's payment instruction, as requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321, requestee's password 336688,3000 yuan of Payment Amount RMB, behind payee's telephone number 13012345678, to (be requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321 to the person part of paying the bill immediately, requestee's password 336688) examined, time by requestee's requirement (is no more than 5 minutes after sending the reservation payment instruction then, surpass and then to preengage payment instruction and cease to be in force automatically) fund of 3000 yuan of corresponding amount of money RMB is pre-stored in the banking computer accounting system, wait for that the payee sends the gathering instruction and collects;

3, the payee utilizes mobile phone 13012345678, as dial 95599 or other SMSs or addresses of items of mail etc. enter the banking computer accounting system, send the instruction of collecting fund to bank, the gathering command content can comprise 3000 yuan of payee's telephone number 13012345678, requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321, collection amount RMB; The payee also can send own area of consumption POS plane No. sign indicating number and be used for consumption behind the fund in order to gathering, can send own location ATM number and extract fund, also can send own bank card number 111222 or Bank Account Number 222111 and after collecting fund, directly change this account in order to the gathering back.The same with this specification step 1, as long as the payee also can send information to the banking computer accounting system with bank's own phone number 13012345678 of making an appointment, then the banking computer accounting system is then corresponding with its bank's card number 111222 or Bank Account Number 222111 with this phone number 13012345678 automatically, then requestee's payment instruction can not comprise bank's card number 111222 or Bank Account Number 222111, because bank can be with own phone number 13012345678 and bank's card number 111222 of oneself or Bank Account Number 222111 automatic correspondences;

4, in 5 minutes of requestee's instruction, the banking computer accounting system to requestee's payment instruction (as requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321, requestee's password 336688,3000 yuan of Payment Amount RMB, payee's telephone number 13012345678) and payee's gathering instruction (as payee's telephone number 13012345678, requestee's telephone number 13138872266 or bank's card number 123456 or Bank Account Number 654321,3000 yuan of collection amount RMB) carry out confirmation after, pay 3000 yuan of corresponding fund RMB by payee's requirement, as fund being changed over to payee bank card number sign indicating number 111222 or Bank Account Number 222111, or payee's area of consumption POS machine is used for consumption in order to the payee with this fund, or payee location ATM extracts cash in order to the payee.

Among the present invention, the instruction that requestee and payee send to bank can mobile phone audio communication communication modes or the digital communication mode send, send as mode with SMS or voice message phone or Email; Mobile phone described in the present invention in addition, available landline telephone or computer replace to send trading instruction.

Claims

1, a kind of method of utilizing mobile phone to pay beneficiary with fund from paying party, this method comprises the steps:

A, requestee send the reservation instruction of carrying out payment business by mobile phone to the banking computer accounting system in advance, and command content can comprise requestee's telephone number or bank's card number or Bank Account Number, requestee's password, Payment Amount, payee's telephone number;

After b, banking computer accounting system are received requestee's instruction and its identity examined, the fund of the corresponding amount of money is pre-stored in the banking computer accounting system by time of requestee's requirement;

C, payee utilize mobile phone to send the instruction of collecting fund to bank, and command content can comprise payee's telephone number, requestee's telephone number or bank's card number or Bank Account Number, collection amount;

D, bank pay corresponding fund to the payee after confirmation is carried out in requestee's payment instruction and payee's gathering instruction.

2, according to claim 1, the instruction that sends to bank of requestee and payee can mobile phone audio communication communication modes or the digital communication mode send;

3, mobile phone as claimed in claim 1, available landline telephone or computer replace to send trading instruction;

4, according to claim 1, indication bank can be business bank, urban credit cooperative, rural credit cooperative, postal saving in this method.