The role of mobile banking

Mobile banking is one of the derivatives of online banking, and its advantages focus on convenience. When customers use mobile banking, they can make transactions in time anytime and anywhere, saving the waiting time of ATM machines and bank windows.

The main ways to realize mobile banking are STK, SMS, BREW, WAP and so on. Among them, the STK(Sim Toolkit) method needs to replace the Sim card of the customer's mobile phone with the STK card of the designated banking program, which has poor universality and high card replacement cost. Short Message Service refers to the use of mobile phone short messages to handle banking business, which is convenient for customers to access, but it has the disadvantages of inconvenient input of complex business and poor interactivity. Brew (Wireless Binary Operating Environment) mode is based on CDMA network, and client software needs to be installed. WAP (Wireless Application Protocol 1) refers to accessing the bank website through the WAP browser built in the mobile phone, that is, using the mobile phone to access the Internet for online banking services. The client does not need to install software, but only needs to open WAP services on the mobile phone.

Mobile banking based on WAP is more convenient and practical, which has become an international development trend in this field. Internationally renowned banks such as Guta in Russia, SKB in Slovenia, Toscana in Italy and Deutsche Bank in Germany have all started WAP mobile banking services:

Guta Bank of Russia: One of the largest banks in Russia. In 2000, the existing banking business was operated remotely by mobile phone or computer. Specific functions include: foreign exchange trading, current account inquiry, transfer (to VISA card /Eurocard /Master card), payment of invoices and business expenses, and purchase of goods through mobile commerce system. Guta uses a multi-level authentication system to ensure the security of mobile phone transactions. WAP technology makes mobile banking more convenient. You don't need to go to a bank outlet, just log on to the website of Guta Bank.

Bank of Tuscany, Italy: BT mobile banking is a WAP service, which is suitable for GSM mobile phone users. Its service functions include: current account inquiry and transaction, mobile phone recharge, transfer, stock trading, foreign exchange trading, etc. Secure data encryption is adopted between Tuscan banks and customers, and two-level passwords, namely login password and transaction password, are used to ensure transaction security.

Deutsche Bank in Germany: Deutsche Bank cooperates with Nokia to develop WAP mobile banking. Nokia provided WAP server and 7 1 10 multimedia mobile phone, and Deutsche Bank was the first bank in Germany to provide WAP mobile banking service.

In recent years, many domestic banks have opened mobile banking services. Among them, the mobile banking of ICBC and China Merchants Bank is realized by STK or SMS; The mobile banking of China Construction Bank is based on BREW and serves CDMA mobile phones. At present, only Bank of Communications and Beijing Commercial Bank have opened WAP-based mobile banking. In contrast, the mobile banking business of Beijing Commercial Bank currently only supports mobile GSM customers, with few functions. The mobile banking of Bank of Communications supports mobile and Unicom mobile phone customers, and its functions are relatively perfect.

Bank of Communications: At the end of 2004, the first mobile banking in China was launched, which can connect China Mobile and China Unicom at the same time. It has the characteristics of no formalities and zero service fee. Its main functions are: personal financial services of Pacific card, including Pacific card inquiry service, Pacific card customer transfer service, Pacific card loss reporting service, mobile phone recharge service and special services of branches; Foreign exchange treasure business, that is, the contracted foreign exchange treasure customers conduct exchange rate inquiry, foreign exchange market information inquiry and mutual transfer of foreign exchange time demand deposits through mobile banking, and realize transactions between different trading currencies through instant trading, entrustment, stop loss and two-way pending orders; Fund business, providing fund business services such as information inquiry and transaction to contracted fund customers through mobile banking; Financial services, providing customers with financial information services such as foreign exchange quotation, foreign exchange quotation, foreign exchange consultation, foreign exchange K line, global stock index, fund net value inquiry and stock market quotation through mobile banking; Card number management provides customers with a series of personalized services, such as setting and canceling common login accounts in mobile banking, setting account aliases, etc. Mobile banking does not log in, use or deduct money.

Even if you use it after the end of the free period, you will be prompted whether to choose to charge. You can choose not to charge, but you can't transfer these operations, you can only check the account situation.

When you say 3 yuan money on Alipay card, it should be that the staff opened SMS banking service for you.

This is a service that will send you a short message when your card is traded.

It's all deducted from the bank card you signed,

I didn't deduct the phone money.