Trading method for implementing payment by transfer of accounts and cash withdrawing without card

Abstract

The invention discloses a trading method for implementing payment by transfer of accounts and cash withdrawing without a card. The method comprises the following steps: S10, opening mobile authentication, and acquiring an activation code; S20, downloading a client side to a mobile phone of a payer, binding the mobile phone of the payer and an account, and inputting the activation code to finish authentication; S30, logging in the client side, entering a business selection interface, if a mobile phone to a mobile phone is selected, executing a step S40, and if the cash is withdrawn in an ATM (automatic teller machine), executing a step S50; S40, transferring accounts through the mobile phone to the mobile phone; S50, carrying out trading appointment, wherein the appointment contents comprise telephone numbers of payers, withdrawn amounts and effective withdrawing time; and S60, inputting appointment contents on the ATM and withdrawing the cash. The trading method for implementing the payment by the transfer of accounts and the cash withdrawing without the card has the advantages of being good in portability and good in practicability.

Description

technical field [0001] The invention relates to a transaction method, in particular to a transaction method for realizing payment transfer and cardless cash withdrawal through a mobile phone. Background technique [0002] At present, mobile payment transfer methods and cardless cash withdrawal methods are popular among users because of their convenience and speed, among which: [0003] The process of mobile payment transfer is as follows: log in to the online banking or mobile banking system through the mobile phone, enter the transfer information such as the payee account number, and then use the dynamic password and other security tools to carry out the payment transfer. However, this transaction method has the following defects: 1. It is necessary to provide the payee’s bank account information, including account number and account name, which may easily lead to leakage of account information; 2. It is necessary to use corresponding security tools, such as mobile phone dy...

AI Technical Summary

Problems solved by technology

However, this transaction method has the following defects: 1. It is necessary to provide the payee’s bank account information, including account number and account name, which may easily lead to leakage of account information; 2. It is necessary to use corresponding security tools, such as mobile phone dynamic passwords, encoders, etc. lead to poor convenience

However, this transaction method has the following defects: 1. You can only make an appointment for yourself, and you cannot make an appointment for others, which limits the scope of users who use this function; 2. The existing business model must be based on the user's bank account, that is, the user Must have a bank account to withdraw cash without a card

From the above two points, it can be seen that the practicality of this trading method is poor.

[0005] Therefore, the existing mobile payment transfer method and cardless cash withdrawal method have the defects of poor portability and poor practicability

Images