Mobile bank system
A mobile banking and banking technology, applied in the fields of instruments, finance, data processing applications, etc., can solve the problems of user account number, password theft, time and location restrictions, etc.
Inactive Publication Date: 2006-08-16
黄华龙
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Problems solved by technology
[0005] In order to solve the limitation of time and place for handling the existing banking business, and to solve the security problem of the current online banking due to the theft of user account numbers and passwords, the present invention provides a new banking system, which not only allows the bank users to log in to their own account anytime and anywhere. bank account to handle various businesses and provide a more secure guarantee system for user accounts
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[0017] refer to figure 1 , the wireless communication terminal (1) (wireless communication mobile phone, wireless Internet access equipment, etc.) provides wireless communication terminal users with the functions of sending and receiving short messages, surfing the Internet and logging in to mobile banking through the wireless communication network; Internet (2), wireless terminal users can Log in and visit the mobile banking system through the interconnection network (2); the wireless communication network (3) provides short message sending and receiving services, mobile banking access and other services for wireless communication terminals; the user account management device (4) is used to perform user account management Management, responsible for new user registration, old user login or logout, and other services; the management and control device (5) is the core device of the mobile banking system, which centrally controls and manages all devices of the mobile bank and the...
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followed method as the insurance system of bank account, said method is that the mobile bank system takes communication number of wireless communication terminal as bank account number, wireless communication terminal user logs in bank account and is capable of performing various banking operations, and various operation processes are automatically recorded and request short message is generated to notify wireless communication terminal user and binding user to confirm ( if set the short message binding users ). According to the mobile bank system of present invention, it can provide a service transaction manner non-limited by time and location for users, and it can solve the disadvantage that existing banks must transact transacting banking services at specified time and location, in such a manner that log in mobile bank through wireless communication terminal, wireless communication network or internet; it can provide a account security monitored mode for users and short message short message manage system and short message send binding set are used to solve the potential safety hazard due to accounts and passwords of existing banks and network banks stolen.
Description
technical field [0001] The invention relates to a new mobile banking system that handles various banking services for users through Internet and wireless communication network services, and provides security protection for user accounts through wireless communication network short message services, and a method for using the bank to conduct bank transactions. Background technique [0002] With the rapid development of wireless communication technology and Internet technology and the improvement of people's living standards, it will become a reality for everyone to have wireless communication terminal equipment (wireless communication mobile phones, wireless Internet access devices, etc.) and to be able to access the Internet. There are as many as 300 million wireless communication terminal users and 94 million Internet users; with the advent of wireless communication technology GPRS and 3G, the interconnection and integration of wireless communication networks and the Interne...
Claims
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IPC IPC(8): G06Q40/00
CPCG06Q40/02
Inventor 黄华龙
Owner 黄华龙