Method and system for implementing transfer accounts by mobile phone

The embodiment of the invention discloses a method and a system for transferring accounts through a mobile phone. The method comprises the following steps: the binding relationship between the bank account and the unique identifier of a mobile phone of a first user, and between the bank account and the unique identifier of a mobile phone of a second user are respectively established; the first user signs a contract with a bank, and the function of transferring accounts of the mobile phone of the first user is activated; the first user logs on a mobile phone bank system, and the mobile phone bank system verifies the identity of the first user; the user sends a request for transferring accounts through the mobile phone; the request for transferring accounts comprises the unique identifier of the mobile phone of the second user and transfer amount; and the mobile phone bank system transfers an account fund corresponding to the unique identifier of the mobile phone of the first user to the account corresponding to the unique identifier of the mobile phone of the second user, according to the request for transferring accounts. In the embodiment of the invention, a client can transfer funds without knowing an account number, thereby enabling the transfer to be more flexible and improving the efficiency of transferring funds.