Supercharge Your Innovation With Domain-Expert AI Agents!

Mobile phone financial transaction method and mobile phone dual bank cards

A technology for financial transactions and mobile banking, applied in the field of bank cards and financial transactions, can solve the problems of unpopularization of card-free cash withdrawal business, complicated transaction process, and limited income generation.

Active Publication Date: 2017-10-31
ZHANGJIAJIE INST OF AERONAUTICAL ENG
View PDF8 Cites 3 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] 2: Cash withdrawal without card: The cash withdrawal without card is searched by Baidu. The applicant finds that the transaction process is complicated. Or the electronic cipher device will receive a temporary password message sent by the server system after entering the password, and then the cardholder will enter the temporary password, mobile phone number and reservation number on the teller machine within the valid time. For safety, the teller machine also has a limit on the amount of withdrawals It is precisely because the operation is more complicated and not as convenient as bank card withdrawals, the promotion of cardless cash withdrawals is not popular
[0004] 3: Difficulty in using bank cards for the elderly in rural areas: For the elderly or those with poor memory, remembering passwords is always a problem. The applicant was born in Northwest Hunan, and his mother is over 70 years old. Due to the publicity of TV or other media, some elderly people also have doubts about the safety of teller machines and prefer counter transactions, which makes it difficult to promote and popularize teller machines in rural banking outlets. For counter transactions, bank staff need to check their identities It is very time-consuming, and the bank also has problems. Most of the transactions of rural elderly people are small, even tens of dollars. The labor cost of the bank is not low, but the income is limited, and the conditions provided are also reasonable.
[0006] 5: Vulnerabilities in online bank account opening: According to related news reports, some bank staff caused heavy economic losses to depositors by switching the U-shield. Process does not control possible violations by bank staff

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Mobile phone financial transaction method and mobile phone dual bank cards
  • Mobile phone financial transaction method and mobile phone dual bank cards
  • Mobile phone financial transaction method and mobile phone dual bank cards

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0071] Example 1: Cash withdrawal or transfer: the cardholder inserts the external bank card, enters the user password, waits for the server to send the temporary password, and after receiving the temporary password information in the short message of the mobile phone, then enters the temporary password, and the temporary password is sent to the mobile financial transaction According to the program, the cardholder only needs to wait, and after seeing the prompt message of successful transaction reservation, take down the external bank card, go to the bank counter or teller machine to continue the transaction within the time set by the cardholder, and insert the external bank card into the teller machine card, enter the temporary password, and select the business type. For safety, the cardholder can also reserve the transaction type at the reservation stage and enter the transaction amount. In this case, the cardholder still needs to enter the transaction amount at the teller mac...

Embodiment 2

[0072] Example 2: Cash withdrawal or transfer: the cardholder uses the electronic cipher to make an appointment through the transaction, and the server sends a temporary password to the mobile phone number bound to the cardholder or sends a temporary password to the mobile financial transaction program, and the cardholder scans it with the mobile phone Electronic cipher, when the electronic cipher receives the scanning signal, the program automatically generates the temporary data. The cardholder needs to enter the temporary password and the temporary data to encrypt with the electronic cipher. After the encryption is completed, the electronic cipher uses the encrypted result Two-dimensional code or other data forms that can be recognized by mobile phones are displayed, and the number of the electronic cipher is displayed at the same time. Use the mobile phone to scan the screen of the electronic cipher, and the mobile financial transaction program imports the password data of t...

Embodiment 3

[0073] Example 3: If the elderly are difficult to operate the short message function of the mobile phone proficiently, fill in the mobile phone number of their children or other relatives when opening an account, and the bank card password will be informed by the children during the reservation stage, and the elderly choose to avoid it at home. Others, to ensure the security during the process of entering the password, the child or other relatives will inform the temporary password when the teller machine is operated or when cash is withdrawn at the counter. The temporary password is only used once. Even if others know the temporary password, it is useless. If the transaction is completed within the time limit, the transaction will be voided.

[0074] Embodiment: 4: mobile banking or online banking recharge, the cardholder inserts the external bank card, the built-in bank card is on the mobile phone, no need to insert, enter the user password, after password verification, enter...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

Male and female mobile phone bank cards are two bank cards internally and externally set on the mobile phone; the two bank cards complete the mobile phone transaction and payment process in a manner of division of labor; the bank cards can complete withdrawal without card, and only inputting a temporary password in public places can complete teller machine transactions or shopping mall transactions, so that the bank cards can complete the integration of teller machine, counter, online bank and mobile phone bank transactions; and in addition, the used graphics code or text code password also enhances the password security.

Description

technical field [0001] The invention belongs to a bank card and a financial transaction method, in particular to a mobile phone bank card and a corresponding mobile phone and a financial transaction method. Background technique [0002] 1: Mobile bank card: Everyone is familiar with mobile bank cards. The mobile bank card is a kind of virtual bank card searched by Baidu Encyclopedia, that is, the mobile phone is bound to the bank card, so that the mobile phone has the payment function. The mobile bank card is a mobile phone. prerequisite for the realization of the bank. [0003] 2: Cash withdrawal without card: The cash withdrawal without card is searched by Baidu. The applicant finds that the transaction process is complicated. Or the electronic cipher device will receive a temporary password message sent by the server system after entering the password, and then the cardholder will enter the temporary password, mobile phone number and reservation number on the teller mach...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/38
CPCG06Q20/353G06Q20/357G06Q20/382
Inventor 汪风珍
Owner ZHANGJIAJIE INST OF AERONAUTICAL ENG
Features
  • R&D
  • Intellectual Property
  • Life Sciences
  • Materials
  • Tech Scout
Why Patsnap Eureka
  • Unparalleled Data Quality
  • Higher Quality Content
  • 60% Fewer Hallucinations
Social media
Patsnap Eureka Blog
Learn More

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2025 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com