Title:
A SYSTEM THAT REALIZES FUND TRANSFER BY MOBILE TELEPHONE SHORT MESSAGE CONFIRMING MODE AND METHOD THEREOF
Document Type and Number:
WIPO Patent Application WO/2006/021144
Kind Code:
A1
Abstract:
The present invention relates to a system which implementing bank transaction and method thereof, and provides a system that realizes fund transfer by mobile telephone short message confirming mode and method thereof. The system of present invention includes a server in bank, a confirming module, a bank transfer business-processing module, a transfer operation terminal, and a short message transmitting/receiving module. The method of present invention includes that the short message transmitting/receiving module informs the account holder of the transferring request in short message mode before bank account fund changes, and forwards the confirmation message to the confirming module, the confirming module identifies the identity of the account holders according to reserved certificate and receives the account holder' fund allocating command, start bank transfer business processing module to perform fund allocating operation. The present invention enables the account holders to real-time control the fund changing status of their bank account fund, to efficiently avoid the risk which the account holders' account fund are random allocated or unauthorized withdrew in case that the account holder loses credit card, misses passbook or debit card, and has the note password or signature stolen.
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Inventors:
ZHOU XING (CN)
Application Number:
PCT/CN2005/001312
Publication Date:
March 02, 2006
Filing Date:
August 22, 2005
Export Citation:
Assignee:
ZHOU XING (CN)
International Classes:
G06Q20/00; G06Q20/10; G06Q20/32; G06Q20/42; G07F19/00; (IPC1-7): G06F17/60
Foreign References:
| CN1296362A | 2001-05-23 | |||
| CN1491020A | 2004-04-21 | |||
| JP2004306517A | 2004-11-04 | |||
| US20010306517A1 |
Attorney, Agent or Firm:
SCIHEAD PATENT AGENT CO., LTD. (Huihua Commercial & Trade Building No.80,
Xianlie Central Roa, Guangzhou Guangdong 0, CN)
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