Financial transaction services methods and financial transaction services system using a mobile phone

摘要

PROBLEM TO BE SOLVED: To permit bank transfer using a cellphone number or an e-mail address corresponding to the cellphone number instead of an account number.;SOLUTION: When a payer X logs in a system of a bank 30 and inputs the cellphone number and name of a recipient Y (S1), collation with cellphone contractor information stored in a cellphone contractor database 20 of a cellphone company 10 is carried out (S2, S3), and the transferred amount of money is remitted (S6(1)) on condition that the recipient Y is a contractor of the cellphone company, input information is accurate, the recipient Y does not express the use refusal of this service and an account of the recipient Y has already been opened in the bank 30. The recipient Y can also access the bank system from a mobile terminal to open an account into which the transfer can be received at real time (S8-S10). In the meantime, the transfer money is pooled in a virtual account 4 (S6(2)).;COPYRIGHT: (C)2008,JPO&INPIT