CN1490751A - Telephone fast payment method and system capable of converting into payee account number - Google Patents
Telephone fast payment method and system capable of converting into payee account number Download PDFInfo
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- CN1490751A CN1490751A CNA02146202XA CN02146202A CN1490751A CN 1490751 A CN1490751 A CN 1490751A CN A02146202X A CNA02146202X A CN A02146202XA CN 02146202 A CN02146202 A CN 02146202A CN 1490751 A CN1490751 A CN 1490751A
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- 238000012546 transfer Methods 0.000 claims abstract description 79
- 238000012545 processing Methods 0.000 claims abstract description 26
- 230000002452 interceptive effect Effects 0.000 claims abstract description 12
- 230000004044 response Effects 0.000 claims abstract description 11
- 238000004891 communication Methods 0.000 claims abstract description 6
- 230000009471 action Effects 0.000 claims description 30
- 238000006243 chemical reaction Methods 0.000 claims description 3
- 238000013500 data storage Methods 0.000 claims description 2
- 238000010295 mobile communication Methods 0.000 claims 1
- 230000010354 integration Effects 0.000 abstract description 10
- 238000010586 diagram Methods 0.000 description 9
- 238000005516 engineering process Methods 0.000 description 3
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- 230000008859 change Effects 0.000 description 2
- 230000001052 transient effect Effects 0.000 description 2
- 238000010200 validation analysis Methods 0.000 description 2
- 238000013475 authorization Methods 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
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Abstract
A telephone fast payment method and system capable of converting into payee account, under the control of payer system, it can be a mobile wireless communication device or appointed communication device, after inputting payee account code, log in server system by public telecommunication network, the server system includes: a front-end processing system, an information exchange unit, an interactive integration system and a data processing unit; after entering the front-end processing system, the data transmitted by the user end can be converted into corresponding actual account number by the front-end processing system and an information exchange unit, the data processing unit retrieves the data of the payer and the payee from the client database through the interactive integration system of the private line serial financial institution, and then the response information is transmitted to the user end through the interactive integration system, the front-end processing system and the public telecommunication network; can generate a transfer statement to be distributed, and complete the transfer of the account, and can transmit the response information of the processing result for the user end and/or the payee to confirm or know through the path.
Description
Technical field
The present invention relates to e-commerce field, especially a kind of phone high-speed payment method and system that can be exchanged into the receiving personnel account number.
Background technology
Along with the change of lifestyle and science and technology are maked rapid progress, the mode of transaction and the method for payment by traditional cash, bill etc., are converted to plastic money gradually, as credit card etc.Yet, in the present trading activity, more prevalent by the situation that medium are reached, and in the non-mode of doing business at the scene of this kind, gold stream, that is the convenience and the security of fund payment are keys, also so often the consumer is hung back, a reason is, if adopt traditional method to financial institution's remittance or by the ATM (Automatic Teller Machine) account transfer, all can spend the more time and not have a convenience; Another reason is, if adopt methods such as in the recent period more convenient fax credit card authorization book or network account transfer, though can save time and the tool convenience, still, network and telefacsimile shortcoming such as aspect confidentiality and security makes the risk raising of transaction; Another reason is, following transfer service person is provided recently: a kind of is to utilize the account transfer of telephone connection financial institution, it must input user's self account, receiving personnel account, transfer amount and password earlier, and this method is still needed to look and dialed different Service Phones from different places; Another is to utilize STK mobile banking, and it adopts gsm mobile telephone STK (SIM tool kit) function, by the mobile phone screen point selection function, with SMS (Short Message Service) (Short Message Service; SMS) mode, carry out on the line paying the fees on account transfer and the line and wait financial service, but need earlier to bank's application password, use and possess SIM card, the inter-bank account transfer of supporting Chinese STK function and just can handle, limit the use of mobile phone and the short message response only is provided by financial and monetary information company (predecessor is the golden money of " financial Information service centre " abbreviation center); Another kind is to utilize local telephone network to dial 4126666 account transfers, though it dials and connects Service Phone for the unification of full court gulf, but still needs data such as input transit number, I.D. font size, password and transfer amount, and specific service projects such as paying on behalf telephone charge, tax only is provided; Above-mentioned various known technology all has the numerous and diverse inconvenience of operation steps, need input susceptibility data and the risk height maybe need use shortcomings such as specific communication devices such as mobile phone.
Summary of the invention
Therefore, be necessary to develop a kind of phone high-speed payment method and system of can be exchanged into the receiving personnel account number that can combine with financial institution's account system.
Fundamental purpose of the present invention is to provide a kind of user's operating process of can simplifying to increase the quick payment system of the phone that can be exchanged into the receiving personnel account number of convenience and improving safety.
A time purpose of the present invention is to provide a kind of method, and it can need not import the susceptibility data the user, under situations such as the account number of itself and receiving personnel, identification card number, finishes the account transfer operation.
For reaching above-mentioned purpose, the present invention includes following technical scheme:
A kind of phone high-speed payment method that can be exchanged into the receiving personnel account number, at least may further comprise the steps: (a) under the controlling of user's end system, mat prompting information is to confirm this receiving personnel account, and to only with regard to the reaction of unilateral action, an amount of money is sent to the server-side system with the identification information of this user's payment; (b) under the action of the folk prescription of servo-drive system Data Processing unit, access account transfer data reads the additional information of previous storage, and the identification information of nationality in the account transfer demand that receives is with identification user and payment thereof; (C) nationality reads additional information, and the identification data in the reception account transfer demand produces an account transfer detail to write off the amount of money that this need be transferred accounts with identification user and payment thereof; And (d) carry out this account transfer operation that is produced and shift to finish this account purpose.
A kind of quick payment system of phone that can be exchanged into the receiving personnel account number comprises: one in order to discern the identification data of user's identity; One in order to point out information to confirm the Tip element of this project; And the Data Processing unit of folk prescription action, it is in response to the only execution of a unilateral action, when an account transfer demand is sent to servo-drive system, the accounts that transfer is identified, this demand comprises this identification data so that servo-drive system can be found out necessary additional information finishing this account transfer, and is convenient to the server-side system and can carries out the account transfer detail that produced to finish the transfer of these accounts.
One servo-drive system is detailed in order to produce an account transfer, and it comprises: the account transfer unit of folk prescription action, and it comprises: data access medium, it is in order to store user's information; One receiving element, it transfers accounts in order to receive the account transfer demand, and the account transfer demand comprises at least one user's a indication, and this demand is transmitted and carries out in response to unilateral action only; The unit is sent in one account transfer, and it is in order to read the information from data storage medium, to point out the user and to use the information that is captured to leave the detail of this account transfer that is instructed to; Reach an account transfer and finish the unit, it is in order to finish according to sending the unit by the account transfer of unilateral action, the account transfer proof of the account transfer of sending or the result of processing operation.
One utilizes the method for client with the amount of money of transferring accounts, and the method comprises: a prompting information, and it is in order to the affirmation account transfer, and the indication of pointing out a unilateral action; One is performed in response to unilateral action only, transmits an account transfer demand confirms for servo-drive system with account transfer the amount of money.
The invention provides a phone high-speed payment method and a system that effectively can be exchanged into the receiving personnel account number, compare with known techniques, obviously have the innovation part, truly have the convenience and the security that reduce operating process, promote use, have tangible progressive undoubtedly.
Description of drawings
Fig. 1 is known account transfer operation block schematic diagram;
Fig. 2 is the block schematic diagram of the preferred embodiment of a kind of quick payment system of phone that can be exchanged into the receiving personnel account number of the present invention;
Fig. 3 is the schematic flow diagram () of the preferred embodiment of a kind of quick payment system of phone that can be exchanged into the receiving personnel account number of the present invention;
Fig. 4 is the schematic flow diagram (two) of the preferred embodiment of a kind of quick payment system of phone that can be exchanged into the receiving personnel account number of the present invention.
Embodiment
Seeing also Fig. 1, for known network funds transfer system, when the user transmits information, be the form transmission with package, and in the process that package transmits on network, as easy as rolling off a log for other people capture the information of understanding this package, this is a big shortcoming.
Please join Fig. 2, an a kind of preferred embodiment that can be exchanged into the wireless quick payment system of phone of receiving personnel account number of the present invention comprises haply: a telecommunication network 11, and it can provide circuit switching to reach various sound of exchange and data information; One user end or first speaker (also claiming paying party) 12 at this, it can be a mobile radio communication device, mobile phone etc. for example, or the communicator of appointment, private telephone etc. for example, can be used for linking when logining a telecommunication network 11, together with the additional information of an identification, wherein comprise paying party at least, the receiving personnel code transmits together, simultaneously, can receive the information that transmits from telecommunication network 11, but, if user's password learns that for other people this person of falsely using changes with other communicators, because of transmitting the additional information of due identification, so can not reach the purpose of account transfer; One server-side system, it mainly comprises: a front-end processing system 13, it provides the value added service system of special line, an end that is connected with telecommunication network 11 can be received and dispatched information, end then can cooperate an information exchange unit (not shown in the diagram) in addition, is each this account number in order to paying party, the receiving personnel code conversion that will receive; One interactive integration system 14, but mat links above-mentioned front-end processing system 13, drive by the aforementioned information crosspoint, and can read the information of demands for services such as paying party, receiving personnel account number and transfer amount simultaneously, and the echo message of prompting user operation and processing; One first data bank 15, it is in order to temporary transient access paying party data; One second data bank 16, it is in order to temporary transient access receiving personnel data; One Data Processing unit 17, it links interactive integration system 14, first data bank 15 and the second material storehouse 16, but the paying party of correspondence in the deposit customer data storehouse (not shown in the diagram) of this financial institution of access, the receiving personnel data, it is temporary in first data bank 15 and second data bank 16 respectively, finish in processing operation and to read the data of this two data bank again, and deposit above-mentioned deposit customer data storehouse (not shown in the diagram) in, and the response information that can transmit demand for services or result is via interactive integration system 14, front-end processing system 13 and telecommunication network 11 are for user's end or first speaker (also claiming paying party at this) 12 and/or receiving personnel 18 affirmations or understanding.
Please cooperate and consult shown in Fig. 3 and 4, when the user has the account transfer demand, can be earlier add the service of native system to telecommunications service dealer or financial institution's application, can obtain the account number code and think the usefulness of native system identification identity (not showing in the drawings), the mobile radio communication device (as mobile phone) or the appointed communicator (as private telephone) of this user's operation, that is this user's end or first speaker (also claiming paying party) 12 at this, in step S1, dial receiving personnel account number code in advance, if this user that gives orders or instructions holds 12 not add native system as yet and become serviced object, then telephone voice system should be pointed out the information that is not incorporated as the member (not shown in the diagram).
User's end or first speaker (also claiming paying party at this) 12 are logined financial institution at step S2 subsequently, by information such as its interactive integration system 14 prompting operation steps; User end or first speaker (also claiming paying party at this) 12, are in step S3 input password, whether this password can correct through system validation at step S4, if not, then produce the information of password mistake in step S5, and (but system can write down the password errors number to return step S3, accumulative total reaches more than 3 times and will give code-locked, need consult relevant financial institution or telecommunications service company, and is then not shown in the diagram).
If password at step S4 after system validation is correct, Data Processing unit 17 is retrieved in step S6 and (show) data of user's end (also claiming paying party at this) 12 and receiving personnel of giving orders or instructions in the drawings in the deposit account data bank, and deposits first data bank 15 (access paying party data) and second data bank 16 (access receiving personnel data) respectively in; Whether the data of confirming receiving personnel in step S7 exists (relatively, because the paying party desire is used this service application in advance, and its Account Profile is one of application important document, so can exempt to repeat to judge), if not, by the in addition voice suggestion of interactive integration system, and whether inquiry will import receiving personnel account number code once more in step S8; Judge at step S9 whether user end or first speaker (also claiming paying party at this) 12 select and re-enter,, then will if the user will not continue operation, hang up the telephone and to stop from step S1 if select to re-enter the receiving personnel code; If this receiving personnel account exists, then system please import transfer amount in step S10 voice suggestion; User's end or first speaker (also claiming paying party at this) can be in step S11 input transfer amount.
Data Processing unit 17 can read first data bank 15 at step S12; Judge that in step S13 whether the balance of deposits is greater than transfer amount, if the balance of deposits is less than transfer amount, then in addition voice suggestion user end or first speaker (also claiming paying party at this) are insufficient in fund in step S14 mat interactive voice system 14, and please the user after deposit line operate again; If the balance of deposits is more than or equal to transfer amount, then Data Processing unit 17 can be at the balance of deposits turn reducing account amount of money of step S15 with first data bank 15; Again in step S16 with previous step S15 in the remaining sum of operation result gained write first data bank 15 again.
Data Processing unit 17 reads second data bank, 16 data in step SI7; After step S18 adds transfer amount with its balance of deposits, write second data bank 16 again in step S19.
Whether interactive integration system will re-use native system in step 20 prompting user; And in step 21 according to the selection that the user imported, return step 1; Or the user hang up (select finish) then Data Processing unit 17 in the step S22 operation of finally transferring accounts, that is, write the data of the one or two data bank in the former deposit account data bank and to produce account transfer detailed to write off job procedure (showing in the drawings) such as this accounts; And providing the result of account transfer processing operation in step S23, the binding of the interactive integration system 14 of mat, front-end processing system 13 and telecommunication network 11 is integrated to notify the user to hold or first speaker (also claiming paying party at this) 12 and receiving personnel 18.
Though the present invention discloses as above with preferred embodiment; right its is not in order to qualification the present invention, any those who are familiar with this art, without departing from the spirit and scope of the invention; when can doing a little change and retouching, so the present invention's protection domain is as the criterion when looking claims scope person of defining.
Claims (23)
1. phone high-speed payment method that can be exchanged into the receiving personnel account number is characterized in that:
At least may further comprise the steps:
(a) under the controlling of user's end system, mat prompting information to be confirming this receiving personnel account, and to only with regard to the reaction of unilateral action, an amount of money is sent to the server-side system with the identification information of this user's payment;
(b) under the action of the folk prescription of servo-drive system Data Processing unit, access account transfer data reads the additional information of previous storage, and the identification information of nationality in the account transfer demand that receives is with identification user and payment thereof;
(C) nationality reads additional information, and the identification data in the reception account transfer demand produces an account transfer detail to write off the amount of money that this need be transferred accounts with identification user and payment thereof; And
(d) carrying out this account transfer operation that is produced shifts to finish this account purpose.
2. the method for claim 1, it is characterized in that: the prompting of this information comprises the prompting information of indicating this unilateral action.
3. the method for claim 1, it is characterized in that: this unilateral action is a button actions.
4. the method for claim 1, it is characterized in that: this unilateral action is a speech action.
5. the method for claim 1, it is characterized in that: a user holds when leaving the account transfer demand, does not need to identify clearly the identity of oneself.
6. quick payment system of phone that can be exchanged into the receiving personnel account number is characterized in that: comprise:
One in order to discern the identification data of user's identity;
One in order to point out information to confirm the Tip element of this project; And
The Data Processing unit of one folk prescription action, it is in response to the only execution of a unilateral action, when an account transfer demand is sent to servo-drive system, the accounts that transfer is identified, this demand comprises this identification data so that servo-drive system can be found out necessary additional information finishing this account transfer, and is convenient to the server-side system and can carries out the account transfer detail that produced to finish the transfer of these accounts.
7. the described system of claim 6, it is characterized in that: the identification data only this appointed communicator when receiving and sending messages, just it can be reached the server-side system, and discerned by this server-side system, and and then be converted to corresponding actual account number and authentication password and meet after, system just handles the account transfer operation.
8. the described system of claim 6, it is characterized in that: Tip element is a sound pronunciation unit.
9. the described system of claim 6, it is characterized in that: deliberate action is the button touch-control of wireless mobile communication device.
10. a servo-drive system is detailed in order to produce an account transfer, and it is characterized in that: it comprises:
The account transfer unit of one folk prescription action, it comprises:
One data access medium, it is in order to store user's information;
One receiving element, it transfers accounts, the account transfer demand in order to receive the account transfer demand
Comprise at least one user's a indication, this demand is transmitted in response to unilateral action only
And carry out;
The unit is sent in one account transfer, and it is in order to read the information from data storage medium, to point out the user and to use the information that is captured to leave the detail of this account transfer that is instructed to; And
The unit is finished in one account transfer, and it is in order to finish according to sending the unit by the account transfer of unilateral action, the account transfer proof of the account transfer of sending or the result of processing operation.
11. system as claimed in claim 10 is characterized in that: this demand nationality user end system is transmitted in response to the execution of a unilateral action.
12. one utilizes the method for client with the amount of money of transferring accounts, it is characterized in that: the method comprises:
One prompting information, it is in order to the affirmation account transfer, and the indication of pointing out a unilateral action;
One is performed in response to unilateral action only, transmits an account transfer demand confirms for servo-drive system with account transfer the amount of money.
13. method as claimed in claim 12 is characterized in that: the server-side system uses an identification data with the account transfer demand, and also accounts generation one account transfer is detailed for this reason to discern essential postscript.
14. method as claimed in claim 13 is characterized in that: the identification data is identified user's end system, and the server-side system provides the user to hold the identification data.
15. method as claimed in claim 12 is characterized in that: user's end system and server-side system are via (Drawing upon) telecommunication network communication (communicating).
16. method as claimed in claim 12 is characterized in that: Tip element comprises that the interactive voice system that provides that integrates is provided for a nationality and server-side system.
17. method as claimed in claim 12 is characterized in that: comprise the affirmation or the proof that are sent to the account transfer result of user's end and/or receiving personnel from the server-side system.
18. method as claimed in claim 12 is characterized in that: unilateral action nationality user's voice and producing.
19. method as claimed in claim 12 is characterized in that: unilateral action can select to use the special telephone line of an appointment.
20. method as claimed in claim 12 is characterized in that: unilateral action can be pushed a key or Trackpad.
21. method as claimed in claim 12 is characterized in that: unilateral action can be selected an indicating device.
22. method as claimed in claim 12 is characterized in that: unilateral action can be selected the indicating device of tool prompting.
23. method as claimed in claim 12 is characterized in that: the prompting information comprises that the nationality servo-drive system provides the information about the account transfer result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA02146202XA CN1490751A (en) | 2002-10-15 | 2002-10-15 | Telephone fast payment method and system capable of converting into payee account number |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA02146202XA CN1490751A (en) | 2002-10-15 | 2002-10-15 | Telephone fast payment method and system capable of converting into payee account number |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1490751A true CN1490751A (en) | 2004-04-21 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA02146202XA Pending CN1490751A (en) | 2002-10-15 | 2002-10-15 | Telephone fast payment method and system capable of converting into payee account number |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1490751A (en) |
-
2002
- 2002-10-15 CN CNA02146202XA patent/CN1490751A/en active Pending
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