Method and system for payment in instant mutual bank transfer by mobile phone

Abstract

The invention relates to a method of payment by mutual account transfer through mobile phones and a system thereof. A payee and a payer in advance package each bank account number with each mobile phone number in an account transfer center(1), after setting each payment password, the payee sends collection request information to the account transfer center(1) by a mobile phone(201) thereof during the payment by account transfer, the payer sends payment request information to the account transfer center(1), and after the account transfer center(1) reviews the collection request information of the payee and the payer checks that the payment request information is correct, the amount required in the payment request information is transferred from the bank account packaged with the mobile phone of the payer to the bank account packaged with the mobile phone of the payee. The method is characterized in that the payee and the payer can transfer account at any time and any place, and only by carrying out relative operation by mobile phone(2), money in the bank account of the payer can be transferred into the bank account of the payee.

Description

【Technical field】 [0001] The invention relates to the field of bank electronic payment, in particular to a method for mutual transfer and payment by using a mobile phone. 【technical background】 [0002] Due to the rapid development of computer technology and communication technology, electronic payment has been particularly developed in the banking industry. Many banks have launched online banking services, and some have even launched mobile banking services. Users can make various payments through these services. These online banking services and mobile banking services are generally designed for the payer, that is, the payer can conduct payment operations through the computer or mobile phone, and as the payee, generally must become a special merchant of the bank, and the payee must set up a POS The bank will send the collection data to the bank through the POS machine system. After the bank receives the collection data and the money paid by the payer, it will deposit the m...

AI Technical Summary

Problems solved by technology

[0002] Due to the rapid development of computer technology and communication technology, electronic payment has been particularly developed in the banking industry. Many banks have launched online banking services, and some have even launched mobile banking services. Users can make various payments through these services. These online banking services and mobile banking services are generally designed for the payer, that is, the payer can conduct payment operations through the computer or mobile phone, and as the payee, generally must become a special merchant of the bank, and the payee must set up a POS The bank will send the collection data to the bank through the POS machine system. After the bank receives the collection data and the money paid by the payer, it will deposit the money into the payee's account at the time of settlement. Due to the need to set up the POS machine system Some small shops that cannot afford the cost of setting up POS machines cannot use electronic payment methods to collect money. They have to arrange for people to deposit the cash collected by the business office into the bank, which is inconvenient and unsafe.

[0003] In addition, at present, ordinary bank users who want to transfer money to other bank users can only go to the bank counter to handle it during office hours. Generally, they cannot transfer money between users through online banking services and mobile banking services, which limits these online banking services. The scope of application of banking services and mobile banking services is quite inconvenient for users

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