Automatic account transfer method based on mobile phone number

Abstract

Conventional payment is based on an opening bank and bank account number, so that one needs to ask for the opening bank and bank account number of the opposite party; however, the problem is when one is transferring accounts, if the account transfer is done between the same opening bank, the service charge may be zero, and if the account transfer is done between different opening banks, the rate of charge is different, and the charge may be high or low; besides, when one is transferring accounts, if the account transfer is done between the same opening bank, the transferred account may be obtained in real time; and if the account transfer is done between different opening banks, settlement between the banks always exists, and the transferred account arriving time is hard to control; and therefore, the problem led to is that when the one is transferring accounts, a capital receiver always does not know the opening bank where the capital of a capital transferer deposits, that is, when the capital receiver is told the opening bank and the bank account number of the capital transferer, the opening bank of the capital of the capital transferer is not associated. The technical problem to be solved in the invention is that through automatic method, the opening banks can be automatically matched during account transfer, thereby enabling the time of account transfer to be fastest and the service charge to be minimum.

Description

technical field [0001] The invention relates to payment technology, especially mobile payment technology. Background technique [0002] Traditional payment needs to ask for the opening bank and account number from the other party, which is based on the opening bank and account number. [0003] The problem is that when transferring funds, if you transfer to the same bank, the handling fee may be zero, and if you transfer to a different bank, the handling fee rate is different, and may be high or low. [0004] Moreover, when transferring funds, transfer to the same account-opening bank, and the transfer can arrive in real time, and transfer to different account-opening banks, there is always inter-bank settlement, and the transfer time is difficult to control. [0005] The reason for this problem is that when transferring funds, the recipient of the funds often does not know where the account-opening bank of the sender’s funds is located. The account opening bank associatio...

AI Technical Summary

Problems solved by technology

[0003] The problem is that when transferring funds, if you transfer to the same bank, the handling fee may be zero, and if you transfer to a different bank, the handling fee rate is different, which may be high or low.

[0004] Moreover, when transferring funds, transfer to the same bank, the transfer can arrive in real time, transfer to a different bank, there is always inter-bank settlement, and the transfer time is difficult to control

[0005] The reason for this problem is that when transferring funds, the recipient of the funds often does not know where the account-opening bank of the sender’s funds is located. The account opening bank association of the transferer's funds