Mobile banking has no transfer authority. What happened?

Mobile banking has no transfer authority, that is to say, there is no transfer function, and I need to go to the counter with my ID card and bank card to open the function.

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, and the bank interface system converts the processing result into the short message format.

Mobile banking can also be called mobile banking, which is the abbreviation of using mobile communication networks and terminals to handle related banking business. As a brand-new service combining electronic money and mobile communication, it not only enables people to handle a variety of financial services at any time and any place, but also enriches the connotation of banking services, enabling banks to provide traditional and innovative services to customers in a convenient, efficient and safe way.

As a brand-new service combining 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. The unique personal characteristics of mobile terminal make it a powerful tool for banks to carry out business after ATM, Internet and POS, and attract more and more attention from international bankers. After warm-up, China's mobile banking business has gradually entered the growth stage. How to break through the existing business development bottleneck and improve customer awareness and utilization rate has become the focus of attention of all parties in the mobile banking industry chain.