Mobile phone bank system and method

Abstract

The invention relates to a system utilizing a wireless telecommunication network and a bank to pass through a mobile banking by networking and a method thereof. A communication interface and a data transferring interface are established between a settlement system and the bank and between the settlement system and settlement units (such as markets and charging units) by means of the internet; consumers can send a settlement request to a settlement service system by the mobile phone; the settlement system can transmit the settlement request to a bank transaction system; the bank executes the autopay and then sends the data to the settlement system; and the settlement system can respectively send the settlement result to the mobile phone of the consumer and the settlement units, so as to finish the settlement. The method is rapid and convenient, and has high security mechanism.

Description

technical field [0001] The invention relates to a mobile phone settlement fee method and a mobile phone settlement fee system for realizing the method. Background technique [0002] At present, when consumers pay consumption expenses, they basically settle by cash, bank transfer, credit card settlement, online banking or postal remittance. However, the traditional cash settlement has disadvantages such as unsafe and unhygienic; bank transfer is limited by the application environment; If you refuse to use this settlement method, there is also the risk of password leakage in online banking, and at the same time, it is limited by the application environment (must be able to access the Internet); the disadvantage of postal remittance is that it is slow and cannot meet daily consumption. [0003] With the continuous development of computer communication and information technology, the popularity of the Internet, especially the vigorous development of wireless communication techn...

AI Technical Summary

Problems solved by technology

However, the traditional cash settlement has disadvantages such as unsafe and unhygienic; bank transfer is limited by the application environment; If you refuse to use this settlement method, there is also the danger of password leakage in online banking, and at the same time, it is limited by the application environment (must be able to access the Internet); the disadvantage of postal remittance is that it is slow and cannot meet daily consumption.

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