How to recover the wrong money from online banking?

There is a problem with online banking, and there are mainly the following solutions to recover the money:

1.24 hours to apply to the bank that handled the transfer for cancellation of the transfer.

Most online banking transfer interfaces will prompt how long it will take to transfer money to the account. Once the time limit is exceeded, it cannot be processed.

Second, contact the person who transferred the wrong account in time and negotiate a refund.

When negotiating, telling the other party that he knows that he has transferred the wrong account and refuses to refund the money constitutes unjust enrichment.

Third, bring a lawsuit to the court and take legal procedures to get the money back.

In order to avoid implementation difficulties, you can apply to the court to seal up the other party's collection account. But it should be done under the condition of providing guarantee.

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 is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service based on SMS. All the business conducted by telephone banking can be realized through mobile banking, and mobile banking can also complete the second transaction that telephone banking can't realize. 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.

Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe. WAP is an open network, and it is difficult to guarantee that it will not be attacked in the process of information transmission. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same service, which will also depend on many uncertain factors such as network congestion and signal strength.