CN1450781A - Mobile remittance method by Global Express - Google Patents
Mobile remittance method by Global Express Download PDFInfo
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- CN1450781A CN1450781A CN 03114301 CN03114301A CN1450781A CN 1450781 A CN1450781 A CN 1450781A CN 03114301 CN03114301 CN 03114301 CN 03114301 A CN03114301 A CN 03114301A CN 1450781 A CN1450781 A CN 1450781A
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- remittance
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Abstract
The present invention utilizes mobilephone having global service function to combine with existing exchange system of bank's settlement system to carry on remittance with bank account for remittance safety and making convenience for the mobile phone user. At the time of providing excellent service for the user, the pressure of remittance service at bank network office can be decreased by it as well as at the time of saving operation cost for the bank, the social cost can be decreased by it.
Description
Affiliated field:
The present invention relates to the exchange field of finance, ecommerce, wireless technology, be specially a kind of Global Link mobile remittances method.
Background technology:
At present, the funds transfer system of China mainly is the sales counter by bank, post office, technical telephone bank, the Internet bank's remittance of also passing through with limitation.
No matter be postal remittance or bank transfer, concerning broad masses, also there is certain inconvenience, telephone bank remittance and the fail safe of network remittance can not get guarantee, so these modes all add a lot of restrictions, and the user is not a lot,
Summary of the invention:
Purpose of the present invention and technical problem to be solved: the objective of the invention is the common people for China provides the method for a kind of wireless communication of convenient, safe, quick, credit one non real-time transaction with the means of payment.At present, along with expanding economy, the development of traffic, global economy integrated, the difference of regional economic development, the domestic movement of population of China is more and more frequent, remits money and will constantly increase between individual's remittance and enterprise.
After Global Postal remittance total value in 1996 breaks through 2,500 hundred million yuan of high pointes, maintain these years about 2,800 hundred million yuan always, reached 3,600 hundred million yuan in the highest 1997.Calculate with general remittance fee income 1%, annual postal remittance fee income is just about 2,800,000,000 yuan.Meanwhile, along with the development that bank electronic agiotage is in recent years advanced by leaps and bounds, the insider claims that the domestic remittance total amount of bank should be postal multiple in recent years, if calculate with two multiples, the remittance fee income in bank every year is about 5,000,000,000 yuan.Not following 8,000,000,000 yuan of global total remittance market incomes.Under the situation that China's Financial market income is made thinner day by day at present, this business of remitting money only can more and more attract the attentiveness of bank.
Outlet economizes as the first remittance in the whole world in Guangdong, and calendar year 2001 Guangdong postal remittance total value accounts for that the whole world is nearly 23%, and the market of whole world remittance about 1/4 concentrates on Guangdong, and Guangdong mainly concentrates on the market that Shenzhen, Dongguan, Guangzhou, Shenzhen account for Guangdong 1/4 again.The insider analyzes, and in recent years along with the raising of China's resident living level and consumption idea, and the financial service product is rooted in the hearts of the people day by day, and the domestic remittance traffic carrying capacity only can be growing on and on.
The breakthrough of remittance business model need a kind of new mode a kind of safe, easily and efficiently the mobile remittances means to occur will be users' first-selection.Use this programme, will save social cost greatly, improve financial benefit, improve social productiveness of labor.
China is accession to the WTO at present, domestic financial business will progressively be opened to the outside world, and China faces the competition of global big banking enterprise, therefore, we must have the intellectual property of the financial business aspect of oneself as early as possible, strengthen the competitiveness of we and foreign corporation.
We need utilize cell phone itself, in conjunction with the existing settlement system transfer systems of bank, carry out the remittance function to the account of bank's (card).Improve the fail safe of remittance, make things convenient for the cellphone subscriber,, in the operation cost that reduces bank, save social cost providing user's favorable service to alleviate the professional pressure of bank outlets' remittance simultaneously.
The technical scheme that technical solution problem of the present invention is adopted:
1. the remitter can ask by GPRS communication or the capable transmission remittance of normal short message: pay code, payment password.Payee's account number, payee name, payee's phone number, payee's password of collecting money.(information can be passed through multiple channel, such as, payee's account number can be imported by telephone bank).
2. remitter's password of will collecting money sends to the payee.(not limitting approach)
3. payee's password of will collecting money sends to Bank of Communications.
4. the work carried out of bank side is: whether (1) paying party is registered, paying party cell-phone number, password confirming; (2) whether beneficiary is registered, the beneficiary password confirming; (3) it is pre-conditioned whether to meet the remitter, and whether (4) meet other constraints of bank.(5) carry out funds transfer.
5. the bank side result that will remit money notifies remitter and payee by the mobile remittances communication platform.
Make financial institution, transferor, the tripartite verification of beneficiary unite the business of finishing.(having only transferor and the both sides of financial institution to handle at present); Transferor, beneficiary are finished the remittance business by wireless mode; The user must be at first binds the mobile phone of its remittance usefulness and the account No. of remittance abroad fund.After the binding, phone number will be represented the remittance abroad account number, need not import the remittance abroad account number again in the remittance process; The gathering user also must bind the mobile phone of gathering usefulness and the account No. of inward remittance, and phone number will be represented the gathering account number; Utilize band JAVA functional mobile phone or STK card mobile phone etc., encrypt transmission once more to the information via that funds transfer system sends, with further raising fail safe; The mode that the inter-bank remittance adopts each bank to set an intermediate account solves, all export to other fund of going, and deposit colleague's intermediate account in, the fund that other row imports, from colleague's intermediate account payment, the operation of arranging settlement of accounts separately of row and the intermediate account between capable; The user can preestablish the remittance condition, and system is preserved, and carries out condition distinguishing in concrete remittance.Such as: the user can set fixing remittance account number, can set the highest amount of each remittance, can set maximum remittance number of times of every day, every month or the like; The change of user preset condition can be passed through the mobile phone direct control, but needs delay time to come into force or handle to improve fail safe to sales counter is written, and the delinquency prevention molecule is revised the remittance condition temporarily; Multiple demonstration: to organization user or super large volume remittance user, can set up multiple remittance to confirm mode, such as, remove the user and send outside service request and the password, also need to carry out secondary even confirm that rears handle remittance for three times from telephone bank or the Internet bank by note or GPRS enciphered message.To guarantee safety; The credit mode is remitted money: the remitter can send remittance request, financial institution freezes, what the payee obtained first by above-mentioned flow process is that freezing of giving of financial institution confirms that when the remitter agreed formal remittance, the payee can receive fund by the gathering password then.
Below the fail safe of this programme is proved: could use this function after 1, the user must register; All users must arrive Bank of Communications's sales counter registration (submitting bank card account, cell-phone number and personal identification card document to), written signature simultaneously.The cellphone subscriber's of non-JAVA function account transfer amount, number of times are restricted (for example every month twice, each 2000 yuan with interior or the like).2, to JAVA cellphone subscriber's communication security; To having the cellphone subscriber of JAVA function, user's money transfer transactions solicited message all directly is transferred to bank after encrypting on the mobile phone, finish user's authentication and account transfer process by the decrypted program of bank, guarantee that user's registration information and money transfer transactions information can be in communication processs and not be stolen and divulge a secret in the process through third party's platform.Cryptographic algorithm is wherein provided by bank, and third party's platform does not have decrypted program.Password field is wherein adopted the algorithm operating of double-encryption.3, to the communication security of common cellphone user; User's registration is directly finished to bank counter, and communication system can't be learnt remittance user's account.Simultaneously, account transfer amount, the account transfer number of times to common cellphone user limits (remittance abroad number of times and the remittance time number average system of limiting).4, risk control; Payee's gathering password must send in 3 minutes, the user's response in time of promptly collecting money, and the overtime operation flow of remitting money that promptly stops to circularize transferor and informs the remittance failure.5, cipher control; Do not allow twice adjacent remittance of user to use the gathering password that repeats.Length must be the 6-8 position, and it is English and digital allowing.(A-Z, a-z, 0-9) English case sensitive.6, stopping remittance handles; Allow the user to send and stop the function command of remitting money, open again then and must handle the written formality that re-registers to bank counter.7, proof of identity; The user carries out self-account's account transfer, must send specific instruction, and this moment, beneficiary need not registration.But two accounts' name, ID card No. must be consistent, and other is identical with above-mentioned flow process except that the instruction code difference for operating process.8, intended target: the user can set fixing one or more and change the number of account number over to, even therefore stolen mobile phone and operator password still can not be stolen the remittance fund.The user can set other correlated condition, and the change correlated condition must have enough time-delays or handles to bank counter is written.9, multiple demonstration: to the organization user, can set up multiple remittance to confirm mode, such as, remove the user and send outside service request and the password by note or GPRS enciphered message, also need to carry out secondary even three affirmations from the telephone bank or the Internet bank.To guarantee safety.
The beneficial effect that the present invention produced: (1) user can the arbitrfary point to a remittance.(2) account is arrived in unlimited time place in real time.(3) paying party and beneficiary simultaneous operation guarantee that the target of paying the bill is correct, and having avoided present various method of remittance beneficiaries is risks of makeing mistakes that may exist of passive gathering.(4) more safe and reliable by the JAVA function.(5) the service operation cost hanged down the remittance running cost of artificial running cost and other electronics mode.(6) reduce social cost.(7) help competition with external financial institution.
Brief Description Of Drawings:
Fig. 1 is the inventive method technical scheme general flow chart.
Sketch has been explained five parts.1. send (GPRS/SMS) password payee account number, payee name, the gathering cell-phone number, the gathering password, 2. send gathering password 6-8 position to payee's (any-mode) 3. sends gathering password 6-8 position to bank (SMS) 4. a, confirm that requestee's identity b, affirmation payee identity c, affirmation meet the user and give definite condition, d, check other condition, 5. operating result notice is operated in e, account transfer
Concrete implementation column:
Sketch the inventive method below in conjunction with general flow chart:
1, the remitter can ask by GPRS communication or the capable transmission remittance of normal short message: pay code, payment password.Payee's account number, payee name, payee's phone number, payee's password of collecting money.(information can be passed through multiple channel, such as, payee's account number can be imported by telephone bank).
2, remitter's password of will collecting money sends to the payee.(not limitting approach)
3, payee's password of will collecting money sends to Bank of Communications.
4, the work carried out of bank side is: whether (1) paying party is registered, paying party cell-phone number, password confirming; (2) whether beneficiary is registered, the beneficiary password confirming; (3) it is pre-conditioned whether to meet the remitter, and whether (4) meet other constraints of bank.(5) carry out funds transfer.
5, the bank side result that will remit money notifies remitter and payee by mobile communication platform.
Claims (10)
1, a kind of Global Link mobile remittances method is characterized in that: financial institution, transferor, beneficiary three parts unite by the portable terminal verification and finish agiotage.
2, Global Link mobile remittances method according to claim 1 is characterized in that: transferor, beneficiary are finished the remittance business by wireless mode.
3, Global Link mobile remittances method according to claim 1, it is characterized in that: the account No. of the mobile phone of remittance and remittance abroad fund is bound.
4, Global Link mobile remittances method according to claim 1 is characterized in that: the mobile phone of gathering usefulness and the account No. of inward remittance are bound.
5, Global Link mobile remittances method according to claim 1 is characterized in that: utilize band JAVA functional mobile phone or STK card mobile phone etc., encrypt transmission once more to the information via that funds transfer system sends, with further raising fail safe.
6, Global Link mobile remittances method according to claim 1, it is characterized in that: the mode that the inter-bank remittance adopts each bank to set an intermediate account solves, all export to the fund of other row, deposit colleague's intermediate account in, the fund that other row imports, from colleague's intermediate account payment, the operation of arranging settlement of accounts separately of row and the intermediate account between capable.
7, Global Link mobile remittances method according to claim 1, it is characterized in that: the user can preestablish the remittance condition, and system is preserved, and carries out condition distinguishing in concrete remittance.
8, Global Link mobile remittances method according to claim 1, it is characterized in that: the change of user preset condition can be by the user by the mobile phone direct control, but the entry-into-force time can be delayed time (some day) or to require the user to arrive the written modification of sales counter pre-conditioned to improve fail safe, the delinquency prevention molecule is revised the remittance condition by mobile phone temporarily.
9, Global Link mobile remittances method according to claim 1 is characterized in that: to organization user or super large volume remittance user, can set up multiple remittance to confirm mode.
10, Global Link mobile remittances method according to claim 1, it is characterized in that: the remitter can send remittance request, financial institution freezes, what the payee obtained first by above-mentioned flow process is that freezing of giving of financial institution confirmed, when the remitter agreed formal remittance, the payee can receive fund by the gathering password then.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03114301 CN1450781A (en) | 2003-04-25 | 2003-04-25 | Mobile remittance method by Global Express |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03114301 CN1450781A (en) | 2003-04-25 | 2003-04-25 | Mobile remittance method by Global Express |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1450781A true CN1450781A (en) | 2003-10-22 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03114301 Pending CN1450781A (en) | 2003-04-25 | 2003-04-25 | Mobile remittance method by Global Express |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7540408B2 (en) | 2006-06-22 | 2009-06-02 | Hip Consult Inc. | Apparatus and method for facilitating money or value transfer |
| CN101730023A (en) * | 2009-12-07 | 2010-06-09 | 中信银行股份有限公司 | Method and system for payment by using short messages |
| CN103955998A (en) * | 2014-04-27 | 2014-07-30 | 汪风珍 | Reserved verification information for bankcard |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN109636403A (en) * | 2018-12-18 | 2019-04-16 | 郭长来 | A method of make fund payment by the transfer of accounts safer |
-
2003
- 2003-04-25 CN CN 03114301 patent/CN1450781A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7540408B2 (en) | 2006-06-22 | 2009-06-02 | Hip Consult Inc. | Apparatus and method for facilitating money or value transfer |
| CN101730023A (en) * | 2009-12-07 | 2010-06-09 | 中信银行股份有限公司 | Method and system for payment by using short messages |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN103955998A (en) * | 2014-04-27 | 2014-07-30 | 汪风珍 | Reserved verification information for bankcard |
| CN109636403A (en) * | 2018-12-18 | 2019-04-16 | 郭长来 | A method of make fund payment by the transfer of accounts safer |
| CN113168636A (en) * | 2018-12-18 | 2021-07-23 | 郭长来 | Method for making fund transfer payment safer |
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