Excuse me, what is mobile banking? How to deal with it?

Mobile banking uses mobile communication networks and terminals to handle related banking business, and the charging standards of different banks are different.

Charge standard:

1. ICBC: Depending on the number of SMS messages sent, 0.2 yuan/message or 0.3 yuan/message is accepted. Remittances from different places are charged according to the personal remittance charge standard at the counter, that is, 1% of the single remittance amount, with the lowest 1 yuan and the highest in 50 yuan. Recently, the remittance fee is 20% off.

2. China Construction Bank: remote transfer (remittance), inter-bank transfer and transfer to enterprises. As of 20 10, 12 and 3 1, these three kinds of transfers enjoy 0. 15% discount, ranging from 1 yuan to 15 yuan.

3. China Merchants Bank: For transfers from other banks in the same city in 2 yuan, 0.2% of the transaction amount is charged for transfers from peers in different places (lowest in 5 yuan and highest in 50 yuan), and 1% of the transaction amount is charged for transfers from banks in different places (lowest in 10 yuan and highest in 50 yuan).

4. China Everbright Bank: The bank or my account is free to transfer money in the same city, and a handling fee of 0.5% of the transaction amount is charged in different places (the lowest in 2 yuan and the highest in 20 yuan). A handling fee of 0.5% of the transaction amount is charged for inter-bank remittance in the same city (lowest in 5 yuan and highest in 50 yuan).

5. Bank of Communications: 6 yuan/month mobile phone service fee (free until the end of this year), foreign counterparts and other banks in the same city charge 0. 15% (50% off this year), and foreign banks charge 0.3% (50% off this year), ranging from 1 yuan to 15 yuan.

7. Agricultural Bank: SMS service is free for the first month, and then 2 yuan/month service fee. The handling fee for transfer and remittance transactions is the same as that for the counter, with a handling fee of 0.5%. Lowest 1 yuan, capped in 50 yuan.

8. Minsheng Bank: Free of charge.

Mobile banking combines the new services of electronic money and mobile communication. Mobile banking not only enables people to handle all kinds of financial services anytime and anywhere, but also greatly enriches the connotation of banking services, enabling banks to provide customers with traditional and innovative services in a convenient, efficient and safe way.

Mobile banking consists of mobile phone, GSM short message center and banking system.

During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network.

After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system. The interface system converts the processing result into short message format, and the short message center sends the short message to the user.

Mobile banking is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service based on SMS. At present, all businesses conducted through telephone banking can be realized through mobile banking, and mobile banking can also complete secondary transactions that telephone banking cannot achieve.

For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it. Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.