How to delete the transaction details of mobile banking? Kneel for the great god

The details of mobile banking can only be deleted automatically by the banking system, but not actively. Customer identity data and bank flow will be kept in the banking system for at least 5 years. The regulations of each bank are different, and consumers need to be based on the actual situation. The transaction records of mobile banking are kept in the bank server. According to monitoring requirements, transaction records cannot be deleted, modified or hidden. Unless the user cancels the account, the transaction record will be kept. Therefore, mobile banking cannot delete transaction records.

According to Article 29 of the Administrative Measures on Customer Identification and Customer Identity Information and Transaction Records of Financial Institutions, transaction records shall be kept for at least 5 years from the accounting year in which the transaction occurred. Where the customer identity data and transaction records involve suspicious transactions in the anti-money laundering investigation, and the anti-money laundering investigation has not been completed by the expiration of the minimum retention period stipulated in the preceding paragraph, the financial institution shall keep them until the expiration of the period. Anti-money laundering investigation.

Even if customers cancel their bank accounts, they can still find their personal identity information and transaction records. Customer's identity data will be kept for at least 5 years after the end of business relationship and customer transaction information. When a bank goes bankrupt or is dissolved, it shall hand over the customer identity information and customer transaction information to the institution designated by the relevant departments in the State Council. Mobile banking refers to the channel mode in which banks use smart phones as carriers to let customers use banking services on this terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to connect customers with banks, handle related banking business or provide financial services to customers. Mobile banking is not only a product, but also a channel, which belongs to the category of electronic banking.

1. Mobile banking connects customers' mobile phones with the bank through the mobile communication network, realizing a new business product, and directly completing various financial services such as account inquiry and account transfer through the mobile phone interface, that is, the bank uses the mobile phone as the carrier, relies on the mobile GSM wireless network, uses the short message resources of the mobile phone to operate the bank account in the form of sending short messages by the mobile phone, and realizes the functions of "financial management" and "electronic wallet" of the mobile phone.

2. In short, mobile banking is the abbreviation of using mobile phones to handle banking-related business. It is the channel for banks to realize electronization. It is a new service mode combining electronic money with mobile communication service.