What is SMS financial service?

Taking China Construction Bank as an example, it provides the following twelve kinds of short message financial services:

(1) Notice of change of individual account balance, including:

1. Notice of account collection information, such as personal salary collection notice and remittance collection notice.

2. Notification of transaction information, such as notification of certain limit consumption, withdrawal, transfer, agreed large transaction, special transaction, deduction and other information.

(2) Notice of maturity of personal deposits, such as time deposits and voucher-type treasury bonds, and installment accounts shall be renewed in time.

(3) Personal loan collection notice, such as loan maturity notice, loans overdue, repayment collection and other information.

(4) Bank card information notification, such as bank card transaction information, card replacement due, card overdraft, collection and other notifications.

(5) Risk warning notices, such as account loss reporting notice, payment stopping notice, unfreezing cancellation notice, online banking login warning, etc.

(six) personal account information query, such as provident fund balance, account balance, account details, consumption points query.

(seven) the notification and inquiry of financial investment information, such as interest rate, exchange rate, stock market, fund net value and other information.

(eight) payment, such as traffic fines, mobile phone recharge, utilities inquiry and payment, prepaid cards, game cards and other goods payment, lottery betting, etc.

(9) Repayment information, such as credit card repayment and personal loan repayment.

(10) enterprise short message financial services, including:

1. Company SMS reconciliation, such as individual reconciliation and periodic batch reconciliation;

2. Notice of changes in public account funds;

3. Inquire about company accounts, such as account balance and account details;

4. Remind enterprise account information, such as month-end reconciliation reminder, time deposit maturity reminder, loan maturity reminder, etc.

(eleven) the bank's marketing and product promotion, such as new funds, new deposit and loan varieties, new service SMS notification, etc.

(12) Maintain the relationship between banks and customers, such as holiday greetings, birthday wishes to VIP customers, friendly reminders, etc.

Extended data:

The characteristics of mobile banking payment are:

1, which is convenient. It can be said that mobile banking is powerful and a simplified version of online banking, but it is far more convenient than online banking, because it is convenient to carry at any time and to make small payments.

2. More extensive. Provide WAP website payment service to realize one-point access and multiple payments.

3. More potential. Immature business model and user habits have led to the development of mobile banking and payment, which has not yet reached many people. Com "era. The success of online banking is not only that it is a means of e-banking reform, but also that it caters to the development requirements of e-commerce, and mobile banking has great potential in this respect.

As a brand-new banking service channel, it highlights the uniqueness of mobile communication "anytime, anywhere, close-fitting, fast, convenient and fashionable" on the basis of the advantages of online banking network interconnection and high-speed data exchange, and truly realizes the handling of "anytime, anywhere" banking business and becomes a more convenient and competitive service mode for the banking industry.

Official Website of China Construction Bank-Service Function