在此之上，如何用python语言实现简单的手机银行系统呢？

实现一个简单的手机银行系统，需要使用到Python的面向对象编程思想和内置库，具体步骤如下：

1. 定义用户类和账户类，用于管理用户信息和账户信息，具体包括账户余额、账户状态、密码等信息。

class User:
    def __init__(self, username, password, name):
        self.username = username
        self.password = password
        self.name = name
        self.account = None

class Account:
    def __init__(self, account_number, account_type):
        self.account_number = account_number
        self.balance = 0
        self.account_type = account_type
        self.status = "Active"
        self.transactions = []

2. 实现登录功能，用户输入用户名和密码，系统根据输入的信息来判断是否能够登陆成功。如果连续输入密码错误三次，则账户被冻结。

class Bank:
    def __init__(self):
        self.users = []

    def add_user(self, username, password, name):
        new_user = User(username, password, name)
        self.users.append(new_user)
        return new_user

    def login(self, username, password):
        for user in self.users:
            if user.username == username and user.password == password:
                return user
        return None

3. 实现存款、取款、转账、查询余额等功能，用户可以通过输入账户信息和交易金额来进行操作。

class Account:
    # ...
    def deposit(self, amount):
        self.balance += amount
        transaction = Transaction(amount, "Deposit")
        self.transactions.append(transaction)

    def withdraw(self, amount):
        if self.balance < amount:
            raise ValueError("Insufficient funds")
        self.balance -= amount
        transaction = Transaction(amount, "Withdraw")
        self.transactions.append(transaction)

    def transfer(self, amount, account):
        if self.balance < amount:
            raise ValueError("Insufficient funds")
        self.balance -= amount
        transaction = Transaction(amount, "Transfer")
        self.transactions.append(transaction)
        account.deposit(amount)

    def get_balance(self):
        return self.balance

4. 实现交易记录功能，记录用户的交易记录，包括交易时间、交易类型、交易金额等信息。

class Transaction:
    def __init__(self, amount, transaction_type):
        self.amount = amount
        self.transaction_type = transaction_type
        self.timestamp = datetime.now()

class Account:
    # ...
    def get_transactions(self):
        return self.transactions

5. 最后，实现一个Bank类，用于管理用户和账户信息，包括添加用户、查询账户等功能。

class Bank:
    def __init__(self):
        self.users = []

    def add_user(self, username, password, name):
        new_user = User(username, password, name)
        new_user.account = Account(str(len(self.users) + 1), "Checking")
        self.users.append(new_user)
        return new_user

    def get_user(self, username):
        for user in self.users:
            if user.username == username:
                return user
        return None

以上是一个简单的手机银行系统的实现方式。当然，这只是一个简单的示例，实际应用中还需要考虑更多的安全、性能和可靠性等因素。