MX2012009108A - Method for implementing mobile phone bank and operator server. - Google Patents
Method for implementing mobile phone bank and operator server.Info
- Publication number
- MX2012009108A MX2012009108A MX2012009108A MX2012009108A MX2012009108A MX 2012009108 A MX2012009108 A MX 2012009108A MX 2012009108 A MX2012009108 A MX 2012009108A MX 2012009108 A MX2012009108 A MX 2012009108A MX 2012009108 A MX2012009108 A MX 2012009108A
- Authority
- MX
- Mexico
- Prior art keywords
- account
- depositor
- agent
- processing module
- transaction
- Prior art date
Links
- 230000000875 corresponding Effects 0.000 claims description 52
- 238000010586 diagram Methods 0.000 description 1
- 238000011002 quantification Methods 0.000 description 1
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
Abstract
A method for implementing mobile phone bank, provided in the present invention, comprises that an account management module registers the number of an agent terminal as an agent account, and registers the number of a depositor's mobile phone terminal as a depositor account, and records the agent account and the depositor account into the database; an analyzing processing module receives a transaction request transmitted from the agent terminal or the depositor's mobile phone terminal, and analyzes the transaction request; a transaction processing module performs an accounting processing according to the transaction request, and transmits the result of the accounting processing to the agent terminal or the depositor's mobile phone terminal through the analyzing processing module. An operator server is also provided in the present invention. By the method and the operator server in the present invention, mobile phone users can perform the service of deposit, withdrawal, transferring between accounts and paying etc. by the mobile phones.
Description
IMPLEMENTATION METHOD AND OPERATOR SERVER FOR
MOBILE BANKING
TECHNICAL FIELD
The present description refers to the field of value-added services of a mobile network, and in particular, to an implementation method and an operator server for mobile banking.
BACKGROUND OF THE INVENTION
Mobile banking services constitute a significant part of mobile payment value-added services. All mobile banking services currently used make the payment by linking a mobile phone with a bank card; and the mobile banking card in said mode is subject to the restriction of the structure and maturity of a user's local financial services industry. In some countries or regions where the financial services industry is not developed, the application threshold for a bank card is relatively high and there are few banking divisions, therefore many people can not enjoy convenient banking services. Currently, the mobile phone has a globally high popularity, and if the operator automatically executes a banking service to allow a mobile phone user to perform the basic banking services, such as deposits, withdrawals, transfers, payments and the similar ones with the mobile phone, this will bring a great convenience for users of mobile phones, as well as benefits for the operator. However, said mobile banking service is not yet available in the related art.
BRIEF DESCRIPTION OF THE INVENTION
The object of the present description is to provide an implementation method and an operator server for mobile banking, so that it allows a mobile telephone user to perform services such as deposits, withdrawals, transfers, payments, etc., with the telephone mobile.
In order to achieve the purpose mentioned above, the technical solution of the description is achieved as follows:
The present disclosure provides a method for implementing mobile banking, which includes:
register, through an account management module, a number of an agent terminal as an agent account, register a number of a mobile terminal of the depositor as a depositor's account, and record the agent's account and the depositor's account in a data base;
receiving, via an analysis processing module, a transaction request sent from the agent terminal or the mobile terminal of the depositor, and analyzing the transaction request; and performing, through a transaction processing module, an account processing according to the transaction request and sending a result of the account processing to the agent terminal or the mobile terminal of the depositor through the analysis processing module.
After the agent terminal number is recorded as the agent's account, the method may additionally include:
transfer, through the agent, funds in an operator's account through a bank; and adding, in the database, through a banking transfer module and reconciliation interface, a balance corresponding to the agent's account after receiving a reconciliation message from a banking system.
Where, the step of performing, through the transaction processing module, the account processing according to the transaction request of the agent terminal, can be specifically as follows:
send, through the agent terminal, a deposit transaction request to the analysis processing module when the depositor makes a deposit at the agent, where the deposit transaction request includes a password from the agent's account, an amount of deposit, and the depositor's account; Y
add, in the database, through the module
transaction processing, a balance corresponding to the account of the depositor making the deposit and subtracting the balance from the agent's account in accordance with the deposit transaction request provided by the analysis processing module.
Wherein, the step of performing, through the transaction processing module, the account processing according to the transaction request of the mobile terminal of the depositor, can be specifically as follows:
send, through the mobile terminal of the depositor, a withdrawal, transfer or payment transaction request to the analysis processing module; Y
add, in the database, through the transaction processing module, a balance corresponding to the agent's account and subtract the corresponding balance from the account of the depositor who is making the withdrawal in accordance with the withdrawal operation request provided by the analysis processing module; subtracting, in the database, a corresponding balance from the account of the depositor who is making the transfer and adding the corresponding balance to a depositor's account that is being transferred in accordance with the transfer transaction request provided by the processing module of analysis; and subtracting, in the database, a corresponding balance from the account of the depositor who is making the payment and making a reconciliation of transaction with the banking system through the bank transfer module and reconciliation interface according to the operation request of payment provided by the analysis processing module.
The method may additionally include:
Performing the decryption, by means of a decryption module, of the transaction request after the transaction processing module receives the transaction request from the terminal of the agent or the mobile terminal of the depositor; and determine, by means of the transaction processing module if the agent's account or depositor's account is valid, if a password of the same is correct, if a balance of the same is sufficient and if a transaction of the same is subject to restriction according to the result of the decryption.
Where the agent terminal or the mobile terminal of the depositor can send the transaction request by means of a short message; and the analysis processing module may send the result of the account processing to the terminal of the agent or the mobile terminal of the depositor by means of a short message.
The description additionally provides an operator server that includes an account management module, a database, an analysis processing module, and a transaction processing module, wherein
the account management module is configured to register a number of an agent terminal as an agent account, register a number of a mobile terminal of the depositor as an account
of the depositor, and administer the agent's account and the depositor's account; the database is configured to store the agent's account, the depositor's account, and the corresponding balance information thereof;
the analysis processing module is configured to receive a transaction request from the terminal of the agent or the mobile terminal of the depositor, analyze the transaction request, and then, handle the transaction request analyzed for the transaction processing module, and it is further configured to send a result of an account processing from the transaction processing module to the agent terminal or the mobile terminal of the depositor; Y
the transaction processing module is configured to perform the account processing according to the transaction request of the agent terminal or the mobile terminal of the depositor, and to provide the analysis processing module with the result of the account processing.
The operator server may additionally include a bank transfer module and reconciliation interface, which is connected to the database and is configured to perform a reconciliation operation between the database and the banking system.
The operator server may additionally include a decryption module, which is connected to the transaction processing module and is configured to perform the decryption of a
part encrypted in a transaction request after the transaction processing module receives the transaction request from the agent terminal or the mobile terminal of the depositor; Y
therefore, the transaction processing module can be further configured to determine whether the agent's account or the depositor's account is valid, if a password of the same is correct, if a balance of the same is sufficient, and if a transaction it is subject to restriction according to a decryption result.
Wherein the transaction processing module can be further configured to add, in the database, an account statement corresponding to the agent account after receiving from the banking system a reconciliation message of the receipt of funds transferred from the agent;
add, in the database, a balance corresponding to the account of the depositor who is making the deposit and subtract the corresponding balance from the agent's account after receiving a deposit transaction request from the agent terminal;
add, in the database, a balance corresponding to the agent's account and subtract the corresponding balance from the account of the depositor who is making a withdrawal after receiving a request for withdrawal operation from the mobile terminal of the depositor;
subtract, in the database, a corresponding balance of the
account of the depositor who is making a transfer and adding the corresponding balance to an account of the depositor who is being transferred after receiving a transfer transaction request from the depositor's mobile terminal; Y
subtract, in the database, a corresponding balance from the account of the depositor who is making a payment and make a transaction reconciliation with the banking system through the bank transfer module and inferred from reconciliation after receiving a transaction request from payment of the mobile terminal of the depositor.
In the method of implementation and the mobile operator operator server of the present disclosure, the account management module registers the agent terminal number as the agent's account, registers the number of the mobile terminal of the depositor as the account of the agent. depositor, and register the agent's account and the depositor's account in the database; the analysis processing module receives a transaction request sent from the terminal of the agent or mobile terminal of the depositor and analyzes the transaction request; and the transaction processing module performs an account processing according to the transaction request and sends the result of the account processing to the agent terminal or the mobile terminal of the depositor through the analysis processing module.
With the method and the operator server of the present description, a user can perform, with a mobile terminal, the services such as deposit, withdrawal, transfer, payment, etc., in an agent agent site without the need to open an account in a bank. Since the mobile terminal has become widely popular and it is very convenient for the operator to place the agent sites, a user can perform a transaction at a nearby agent site. The cost of placing the agent's sites is less than the cost of the bank branches; a user can perform, by means of a short message, a payment for services, such as a payment for telecommunications services and the like using an account balance. And, as the operator has completed user identity authentication when a user makes the request for a mobile telephone number, a mobile phone user can easily request a mobile banking service.
With the mobile banking system of the present description, which is executed by an operator in itself, a daily banking service operation (such as a deposit, withdrawal, transfer and payment) of a user, no longer needs to directly involve a banking system, and there is no need to perform the encryption and decryption operations of message content through systems, simplifying banking service operations and facilitating user applications.
BRIEF DESCRIPTION OF THE DRAWINGS
Figure 1 shows a flow chart of a method for
implement mobile banking; Y
Figure 2 shows a structural diagram of a system to implement mobile banking.
DETAILED DESCRIPTION OF THE INVENTION
The technical solution of the present description is elaborated further below with reference to the accompanying drawings and modalities.
The present disclosure provides a method for implementing a mobile banking service executed by an operator; and as shown in figure 1, the method mainly includes the following steps:
Step 101, an operator server registers the number of an agent terminal as an agent account, registers the number of a mobile depositor terminal as a depositor's account, and registers the agent's account and the depositor's account on a basis of data.
The agent fills out a request for the operator to be a rating agent; the operator records the agent's terminal number as the agent's account after the examination and verification. The depositor has approved the identity authentication of the operator when making the request for a mobile telephone number, so that when the depositor requests the operator to open a mobile banking service, the operator registers the mobile terminal number of the depositor as an account of the depositor
after the examination and verification of the depositor's data. Various agent accounts and depositor accounts, as well as the corresponding balance information thereof, are stored in the operator's server database.
For example: assuming that the terminal number of an agent A is 13800230001, the agent's account of it is 13800230001 after Agent A requests the agent agent quantification; Assuming that the mobile telephone number of a user A is 13900230001 and the mobile telephone number of a user B is 13900230002, the user's account is 13900230001 for user A and 13900230002 for user B afterwards, user A and user B request open the operator's mobile banking service.
Step 102, the operator server performs the account processing according to a transaction request sent by the agent terminal or the mobile terminal of the depositor and returns the result of the account processing to the agent terminal or the mobile terminal of the depositor .
After the agent terminal number is recorded as the agent's account, the agent transfers funds in an operator's account through a bank, and the operator's server adds the corresponding account balance to the agent's account in the database of the operator's server after receiving a reconciliation message from a banking system. For example: agent A deposits or transfers 100000
Yen in cash to the operator's account through the bank, and the operator adds, in its database, a balance of 100000 yen to account number 13800230001 of agent A after confirming that Agent A's cash is deposited or transferred in the operator's account.
Where to make the account processing according to the transaction request sent by the agent terminal through the operator server, it specifically includes:
When the depositor deposits the agent, the agent's terminal sends a deposit transaction request that includes an agent account password, a deposit amount, and a depositor's account to the operator's server.; and the operator's server adds a balance in the database corresponding to the account of the depositor who makes the deposit and subtracts the corresponding balance from the agent's account in accordance with the transaction request received. For example: depositor A deposits 10000 yen to agent A; agent A sends, via mobile telephone number 13800230001 to the operator server, a deposit request that includes the agent account password, the deposit amount, the deposit account number 13900230001, and the like; and the operator's server adds, in the database, a balance of 10,000 yen to depositor A who makes the deposit in accordance with the request received.
Where to make the account processing according to the transaction request sent by the mobile terminal of the depositor through the operator server, it includes, specifically:
the mobile terminal of the depositor sends a withdrawal, transfer or payment transaction request to the operator server; the operator's server adds in the database a balance corresponding to the agent's account and subtracts the corresponding balance from the account of the depositor who makes the withdrawal in accordance with the withdrawal transaction request received; the operator server subtracts from the database a corresponding balance from the account of the depositor who makes the transfer and adds the corresponding balance to the account of the depositor that is being transferred in accordance with the transfer transaction request received; and the operator's server subtracts, in the database, a corresponding balance from the account of the depositor who makes the payment and performs the transaction reconciliation with the banking system in accordance with the payment transaction request received. For example:
1. When the depositor A needs to withdraw 10,000 yen, the depositor A initiates, through the mobile telephone number 13900230001 to the operator's server, a withdrawal request that includes a withdrawal amount, a withdrawal password, the number of agent A that performs the withdrawal 13800230001, and the like; and the operator's server adds a balance of 10000 yen to the agent A account in the database and subtracts a balance of 10000 yen from the account of depositor A who makes the withdrawal in accordance with the withdrawal request, particularly the depositor A withdraws 10000 yen from Agent A;
2. when depositor A needs to transfer 10000 yen to the
depositor B, the depositor A directly initiates a transfer request to the operator's server through the mobile telephone 13900230001 without the participation of an agent, wherein the content of the transfer request includes a transfer amount, a withdrawal password, the reception account 13900230002 of the transfer, and the like; and the operator's server subtracts a balance of 10000 yen from the account of depositor A in the database and adds a balance of 10000 yen to the account of depositor B according to the transfer request received; Y
3. when the depositor A needs to perform a payment transaction, the depositor A directly initiates a payment request to the operator's server through the mobile telephone 13900230001, without the participation of an agent, wherein the content of the payment request includes an amount of payment, a withdrawal password, a payment order number, and the like; and the operator's server subtracts from the database a corresponding payment amount from depositor A and performs the transaction reconciliation with the banking system in accordance with the payment request received.
It should be noted that, the agent terminal and the mobile terminal of the depositor can send a transaction request via a short message, as well as the course in other possible ways; the operator's server can return the result of the account processing to the agent terminal or the mobile terminal of the depositor by means of a short message, as well as the course in other possible ways. The present description does not limit the way of sending the transaction request and the result of the account processing.
In addition, after receiving the transaction request sent by the agent terminal or the mobile terminal of the depositor, the operator's server needs to decrypt the encrypted part in the transaction request and determine, in accordance with the result of the decryption, the validity of the account of the agent or the account of the depositor, if the password of the same is correct, if the balance of the same is sufficient, if the transaction of the same is subject to restriction (for example, if a single transaction amount, total accumulated amounts of daily and monthly transactions, etc., exceed the established values), and the like.
Step 103, the agent terminal or the mobile terminal of the depositor completes the transaction according to the result of the account processing.
In correspondence with the previous method for implementing mobile banking, the description additionally provides a system for implementing mobile banking. As shown in Figure 2, the system includes an operator server 10 an agent terminal 20 and a mobile terminal of the depositor 30. The agent terminal 20 is configured to register as an agent account with the operator server 10, send a transaction request to the server of the operator 10 and complete a transaction according to the result of the account processing returned by the operator's server 10. The mobile terminal of the depositor 30 is configured to register as a depositor account with the server of the operator 10, send a transaction request to the operator server 10 and complete a transaction according to the result of the account processing returned by the operator server 10. The operator server 10 is configured to register the agent terminal number 20 as an agent account, register the number of the mobile terminal of the depositor 30 as an account of the positant, register the agent's account and the depositor's account in a database, perform the account processing according to the transaction request sent by the agent terminal 20 or the mobile terminal of the depositor 30 and return the processing result of account to the terminal of the agent 20 or the mobile terminal of the depositor 30.
Wherein the operator server, specifically includes an account management module 110, a database 120, an analysis processing module 130 and a transaction processing module 140. The account management module 110 is configured to register the agent terminal number 20 as an agent's account, register the mobile terminal number of the depositor 30 as a depositor's account, and administer the agent's account and the depositor's account; The database 120 is configured to store the agent's account, the depositor's account, and the corresponding balance information thereof. The analysis processing module 130 is configured to receive a transaction request sent by the agent terminal 20 or the mobile terminal of the depositor 30, analyze the transaction request, and handle the transaction request analyzed for the transaction processing module 140, and is further configured to send an account processing result from the transaction processing module 140 to the agent terminal 20 or the mobile terminal of the depositor 30. The transaction processing module 140 is configured to perform the processing of the transaction. account in accordance with the transaction request of the agent terminal 20 or the mobile terminal of the depositor 30, and provide the analysis processing module 130 with the result of the account processing.
The operator server 10 further includes a bank transfer module and reconciliation inferred 150, which is connected to the database 20 and is configured to perform a reconciliation operation between the database 120 and the banking system.
A decryption module 160 is further included, which is connected to the transaction processing module 140 and is configured to decrypt the encrypted part in the transaction request after receiving the transaction request sent by the agent terminal 20 or the mobile terminal of the depositor 30. Accordingly, the transaction processing module 140 is further configured to determine, in accordance with the result of the decryption, the validity of the agent's account or the depositor's account, if the password thereof is correct, if the balance of the same is sufficient, if the transaction of the same is subject to some restriction (for example: if a single transaction amount, total accumulated amounts of
daily or monthly transactions, etc., exceed the established values), and the like.
Furthermore, it should be noted that the transaction processing module 140 is additionally configured to add an account balance corresponding to the agent's account in the database 120 after receiving from the banking system a reconciliation message of receipt of the funds of agent transferred.
add, in the database 120, a balance corresponding to the depositor's account that make the deposit and subtract the corresponding balance from the agent's account after receiving a deposit transaction request from the agent terminal 20;
adding, in the database 120, a balance corresponding to the agent's account and subtracting the corresponding balance from the account of the depositor making the withdrawal after receiving a withdrawal operation request from the mobile terminal of the depositor 30;
subtract, in database 120, a corresponding balance from the account of the depositor making the transfer and add the corresponding balance to the depositor's account that is being transferred after receiving a request for transfer operation from the mobile terminal of the depositor 30; Y
subtract, in the database 120, a corresponding balance from the account of the depositor making the payment and complete a reconciliation of transaction with the banking system by means of the bank transfer module and reconciliation interface 150 after receiving an operation request payment of the mobile terminal of the depositor 30.
In conclusion, with the method and system of the present description, a user can perform, with a mobile terminal, the services such as deposit, withdrawal, transfer, payment, and the like, in an agent agent site without the need to open an account in a bank. Since the mobile terminal has become widely popular and it is very convenient for the operator to place the agent sites, a user can perform the transaction at a nearby agent site. The cost of placing the agent's sites is less than the cost of the bank branches; a user can make, through a short message, a payment for services, such as a payment for telecommunications services and the like with an account balance. And, as the operator has completed user identity authentication when a user makes the request for a mobile telephone number, a mobile phone user can easily request a mobile banking service.
With the mobile banking system of the present description, which is executed by an operator in itself, a daily banking service operation (such as a deposit, withdrawal, transfer and payment) of a user, no longer needs to directly involve a banking system, and there is no need to perform the encryption and decryption operations of message content through systems, simplifying banking service operations and facilitating user applications.
The foregoing is only a preferred embodiment of the present disclosure and is not intended to limit the scope of protection of the present disclosure.
Claims (10)
1. - A method to implement mobile banking, the method comprises: registering, by means of an account management module, a number of an agent terminal as an agent account, registering a number of a mobile terminal of the depositor as a depositor account , and register the agent's account and the depositor's account in a database; receiving, via an analysis processing module, a transaction request sent from the agent terminal or the mobile terminal of the depositor, and analyzing the transaction request; and performing, through a transaction processing module, an account processing according to the transaction request and sending a result of the account processing to the agent terminal or the mobile terminal of the depositor by means of the analysis processing module.
2. - The method for implementing mobile banking in accordance with claim 1, further characterized in that it additionally comprises: after the agent terminal number was registered as the agent's account, transfer, through the agent, funds into an account of the agent. operator through a bank; and in the database, add, through a bank transfer module and reconciliation interface, an account balance corresponding to the agent's account after receiving a reconciliation message from a banking system.
3. - The method for implementing mobile banking according to claim 2, further characterized in that the step of performing, through the transaction processing module, the account processing according to the transaction request of the agent terminal, is specifically as follows: sending, through the agent terminal, a deposit transaction request to the analysis processing module when a depositor makes a deposit to the agent, wherein the deposit transaction request comprises a password of the account of the agent, a deposit amount, and the depositor's account; and in the database, add, through a transaction processing module, a balance corresponding to the account of the depositor who is making the deposit and subtract the corresponding balance from the agent's account in accordance with the deposit transaction request provided by the analysis processing module.
4. - The method for implementing mobile banking according to claim 2, further characterized in that the step of performing, through the transaction processing module, the account processing according to the transaction request of the mobile terminal of the depositor, specifically it is as follows: send, through the mobile terminal of the depositor, a withdrawal, transfer or payment transaction request to the analysis processing module; and in the database, add, through the transaction processing module, a balance corresponding to the agent's account and subtract the corresponding balance from the account of the depositor who is making the withdrawal in accordance with the withdrawal operation request provided by the analysis processing module; subtracting, in the database, a corresponding balance from the account of the depositor who is making the transfer and adding the corresponding balance to a depositor's account that is being transferred in accordance with the transfer transaction request provided by the processing module of analysis; and subtracting, in the database, a corresponding balance from the account of the depositor who is making the payment and making a reconciliation of transaction with the banking system through the bank transfer module and inferred from reconciliation according to the operation request of payment provided by the analysis processing module.
5 - . 5 - The method for implementing mobile banking according to any of claims 1 to 4, further characterized by additionally comprising: performing the decryption, by means of a decryption module, of the transaction request after the transaction processing module receives the transaction request from the agent terminal or the mobile terminal of the depositor; and determine, through the transaction processing module, whether the agent's account or depositor's account is valid, if a password of the same is correct, if a balance of the same is sufficient, and if a transaction of the same is Subject to restriction according to a decryption result.
6. - The method for implementing mobile banking according to any of claims 1 to 4, further characterized in that the agent terminal or the mobile terminal of the depositor sends the transaction request in the form of a short message; and the analysis processing module sends the result of the account processing to the agent terminal or the mobile terminal of the depositor in the form of a short message.
7. - An operator server, comprising an account management module, a database, an analysis processing module, and a transaction processing module, wherein the account management module is configured to register a number of an agent terminal such as an agent's account, registering a mobile terminal number of the depositor as a depositor's account, and managing the agent's account and the depositor's account; the database is configured to store the agent's account, the depositor's account, and the corresponding balance information thereof; the analysis processing module is configured to receive a transaction request from the terminal of the agent or the mobile terminal of the depositor, analyze the transaction request, and then, handle the transaction request analyzed for the transaction processing module, and it is further configured to send a result of an account processing from the transaction processing module to the agent terminal or the mobile terminal of the depositor; and the transaction processing module is configured to perform the account processing according to the transaction request of the agent terminal or the mobile terminal of the depositor and provides the analysis processing module with the result of the account processing.
8. - The operator server according to claim 7, further characterized in that it additionally comprises a bank transfer module and reconciliation interface, which is connected to the database and is configured to perform a reconciliation operation between the database and a banking system.
9. - The server of the operator according to claim 7, further characterized in that it further comprises a decryption module, which is connected to the transaction processing module and is configured to perform the decryption of an encrypted part in the transaction request after that the transaction processing module receives the transaction request from the agent terminal or the mobile terminal of the depositor; and consequently, the transaction processing module is further configured to determine whether the agent's account or the depositor's account is valid, if a password of the same is correct, if a balance of the same is sufficient, and if the transaction it is subject to restriction according to a decryption result.
10. - The operator server according to any of claims 7 to 9, further characterized in that the transaction processing module is further configured to add, in the database, an account statement corresponding to the agent account after receiving of the banking system a message of reconciliation of receipt of funds transferred from the agent; add, in the database, a balance corresponding to the account of the depositor who is making the deposit and subtract the corresponding balance from the agent's account after receiving a deposit transaction request from the agent terminal; add, in the database, a balance corresponding to the agent's account and subtract the corresponding balance from the account of the depositor who is making a withdrawal after receiving a request for withdrawal operation from the mobile terminal of the depositor; subtract, in the database, a corresponding balance from the account of the depositor who is making a transfer and add the corresponding balance to a depositor's account that is being transferred after receiving a transfer transaction request from the mobile terminal of the depositor; and subtract, in the database, a corresponding balance from the account of the depositor who is making a payment and make a reconciliation of transaction with the banking system through the bank transfer module and reconciliation interface after receiving an operation request payment of the mobile terminal of the depositor.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2010/071571 WO2011124016A1 (en) | 2010-04-06 | 2010-04-06 | Method for implementing mobile phone bank and operator server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| MX2012009108A true MX2012009108A (en) | 2012-09-07 |
Family
ID=44762009
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| MX2012009108A MX2012009108A (en) | 2010-04-06 | 2010-04-06 | Method for implementing mobile phone bank and operator server. |
Country Status (4)
| Country | Link |
|---|---|
| CN (1) | CN102714682B (en) |
| BR (1) | BR112012019244A2 (en) |
| MX (1) | MX2012009108A (en) |
| WO (1) | WO2011124016A1 (en) |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7415442B1 (en) * | 2000-09-26 | 2008-08-19 | Integrated Technological Systems, Inc. | Integrated technology money transfer system |
| CN1622492A (en) * | 2003-11-28 | 2005-06-01 | 华为技术有限公司 | A method for implementing mobile payment |
| KR20070121618A (en) * | 2007-11-28 | 2007-12-27 | 사단법인 금융결제원 | Payment agency server |
| CN101615274A (en) * | 2008-06-25 | 2009-12-30 | 阿里巴巴集团控股有限公司 | Utilize the method and system of communication terminal to pay |
-
2010
- 2010-04-06 WO PCT/CN2010/071571 patent/WO2011124016A1/en active Application Filing
- 2010-04-06 MX MX2012009108A patent/MX2012009108A/en not_active Application Discontinuation
- 2010-04-06 BR BR112012019244-2A patent/BR112012019244A2/en not_active Application Discontinuation
- 2010-04-06 CN CN201080061575.4A patent/CN102714682B/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CN102714682B (en) | 2014-06-18 |
| BR112012019244A2 (en) | 2018-05-08 |
| CN102714682A (en) | 2012-10-03 |
| WO2011124016A1 (en) | 2011-10-13 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FA | Abandonment or withdrawal |