CN101882345A - System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof - Google Patents
System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof Download PDFInfo
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- CN101882345A CN101882345A CN2009100508107A CN200910050810A CN101882345A CN 101882345 A CN101882345 A CN 101882345A CN 2009100508107 A CN2009100508107 A CN 2009100508107A CN 200910050810 A CN200910050810 A CN 200910050810A CN 101882345 A CN101882345 A CN 101882345A
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Abstract
The invention provides a system for carrying out withdrawal or payment by utilizing a mobile phone terminal and an implementation method thereof, belonging to the field of financial services. The implementation method comprises the following steps: binding a specific bank card with a specific mobile phone number; displaying service information of a terminal on the financial terminal; leading a user to directly dial a feature code or send a short message by utilizing a mobile phone; using a service network to send information to a financial server; leading the financial server to find out information which corresponds to the bank card; transmitting the information to the financial terminal located by the user; and carrying out financial operation after the user inputs a password and is identified. The system comprises the financial terminal, the mobile phone, a wireless communication system, the financial server and a financial transmission net. The utilization of the system and the implementation method can pre-bind the mobile terminal of the user with the specific bank card, so that the user can carry out various financial transaction operations including withdrawal and payment on a matched automatic teller machine, a POS machine and other financial terminals by only carrying the mobile phone.
Description
Technical field
The invention belongs to the financial service field.
Background technology
Current, all be provided with self-help drawing money machine (abbreviating ATM as) in a lot of places, utilize bank card, can carry out multiple financial the operation thereon conveniently, such as inquire about, withdraw the money, deposit, account transfer etc.But the user is not when carrying bank card, and these business often are not easy to implement.
From another angle, portable terminal is meant mobile phone especially, and current popularity rate is very high, and the user usually carries mobile phone.
Summary of the invention
The purpose of this invention is to provide a kind of system and implementation method of utilizing mobile phone terminal to withdraw the money or pay, in these method and system, user's portable terminal is bound mutually with specific bank card in advance, as long as the user is carrying mobile phone, just can on supporting financial terminals such as self-help drawing money machine, carry out financial transaction.
A kind of mobile phone terminal that utilizes is withdrawn the money or the method for the system that pays, and it is achieved in that this method includes following steps: specific bank card is bound mutually with specific mobile phone number; On financial terminal, show the Terminal Service information of the feature code that comprises this financial terminal; The user utilizes mobile phone directly to dial feature code; Service network sends to financial server with user's cellphone information and feature code information; Financial server is found out the bank card information of binding mutually with this mobile phone, as user's bank card input information; Be sent to the financial terminal at user place; The user imports corresponding bank card password; After password passes through, implement the finance operation.
A kind of mobile phone terminal that utilizes is withdrawn the money or the method for the system that pays, and it is achieved in that this method includes following steps: specific bank card is bound mutually with specific mobile phone number; On financial terminal, show the Terminal Service information of the feature code that comprises this financial terminal; The user utilizes mobile phone, will comprise in the mode that sends short message sending to the information of feature code in order in the service network that receives this information; Service network sends to user's cellphone information and short message content in the financial server; Financial server is found out the bank card information of binding mutually with this mobile phone, as user's bank card input information; Be sent to the financial terminal at user place; The user imports corresponding bank card password; After password passes through, implement the finance operation.
A kind of mobile phone terminal that utilizes is withdrawn the money or the system of the system that pays, and it is such realization, and this system comprises: financial terminal, in order to carry out the terminal device of financial transaction, to be provided with comprising the Terminal Service information of feature code; Mobile phone is to be provided with display screen, can be used in the portable terminal that sends and dial particular code; Wireless communication system includes the base station that can carry out radio communication with described mobile phone, and in order to control and to coordinate the movements control center of each base station; Financial server, in order to the cellphone information and the bank card information of storage and process user, and acceptance is via the information that comprises particular code that cellphone information and mobile phone sent of wireless communication system transmission; The finance transmission network realizes the communication network that signal transmits between financial server and financial terminal.
The invention has the advantages that: utilize the present invention, user's portable terminal is bound mutually with specific bank card in advance, as long as the user is carrying mobile phone, just can be at financial terminals such as supporting self-help drawing money machine, POS machines, and other needs the occasion of financial transaction, comprises the various financial transactions operations of withdrawing the money, paying.
Description of drawings
The present invention will be described below in conjunction with accompanying drawing.
Fig. 1 is the synoptic diagram of financial terminal among the present invention.
Fig. 2 is the synoptic diagram of financial terminal among the present invention, is another embodiment.
Fig. 3 is the synoptic diagram of financial terminal of the present invention and place system.
Fig. 4 is the process flow diagram that portable terminal of the present invention is used for the method for financial transaction.
Fig. 5 is the process flow diagram that portable terminal of the present invention is used for the method for financial transaction, is another embodiment.
Embodiment
The present invention at first can realize the operation of withdrawing the money of self-help drawing money machine, and this is widely used operation format, and other financial mode of operation is similar therewith.Its main thought is:
The first step is bound specific bank card mutually with special mobile phone, that is, phone number has been known by system, just can access corresponding bank card information from database.Bank card wherein both can be one, also can be a plurality of.
Second step had the uniqueness code for being provided with on each self-help drawing money machine, and this code can make things convenient for the user to import with mobile phone, is called feature code.Described code comprises numeral, letter, symbol, literal etc.As typical embodiment, be fit to be provided with the feature code of digital form.
The aforesaid first step and second step, not strict sequencing, before which is placed on, can.
In the 3rd step, the user can use the mobile phone dialing feature code, as calling; In addition, also the form of feature code with note can be sent in the supporting service network.
When the user dialed the feature code that is arranged on the self-help drawing money machine, system can find user's phone number earlier, then according to this phone number, connected with bank card.When a plurality of bank card, can select which bank card to user's consulting.Such as, a user is arranged, he with oneself handset binding three bank cards, be respectively agricultural bank's bank card, industrial and commercial bank's bank card, China Merchants Bank's bank card, as the user with feature code as telephone number, such as, when directly dialing the number 955996345 on the self-help drawing money machine, system will seek advice to him, the concrete mode that adopts voice, as, ask: " you have three bank cards available; be respectively agricultural bank's bank card, industrial and commercial bank's bank card, China Merchants Bank's bank card, would you please select.Select agricultural bank's bank card please after 1, to add # number, select industrial and commercial bank's bank card please after 2, to add # number, select the bank card of China Merchants Bank please after 3, to add # number." after if the user adds # number after pressing 2, just started his industrial and commercial bank's bank card; Just inserted the industrial and commercial bank's bank card of oneself as the user on the self-help drawing money machine, showed concrete operation interface, the user imports on this self-help drawing money machine and blocks corresponding password with this, just can directly withdraw deposit, or the finance of carrying out other has been operated.With sending way of short messages, can reach same purpose.
The occasion that other need use bank card to carry out financial transaction also can adopt similar mode to operate.Be described further below.
Number designation explanation among the figure:
The 100-financial terminal, 100a-self-help drawing money machine, 101-fuselage front panel, 102-Card Reader mouth, 103-currency mouth; The 200-display screen; The 300-operation keyboard, 301-screen side button; 400-Terminal Service information, 401-feature code, 402-service network; The 500-mobile phone, 501-mobile phone display screen, 502-communication keypad; The 600-base station, 601-movements control center, 602-financial server, 603-finance transmission network.
The explanation of Fig. 1:
This figure has illustrated and a kind ofly can use financial terminal 100 of the present invention.Described financial terminal 100 can be made a general reference the various terminal devices that can utilize bank card to carry out financial transaction; As typical example, be the self-help drawing money machine, the self-help deposit machine, financial enquiry machine, self-help charging machine (such as paying public-works spendings such as water rate, telephone charge, gas charge), in the occasions such as shop, market, supermarket can bankcard consumption cashier's machine etc.And described bank card is made a general reference the various cards that can carry out financial transaction; Common, as debit card, credit card (or being called credit card), but also do not limit.
Among the present invention, be provided with Terminal Service information 400, the content in this Terminal Service information 400 is to serve for mobile communication terminal specially, and among the present invention, described mobile communication terminal is meant mobile phone especially.Among this embodiment, Terminal Service information 400 is arranged on the fuselage front panel 101, and its content includes two parts, is respectively feature code 401 and service network 402.Described feature code 401, representative be the numbering of this self-help drawing money machine 100a, utilize this numbering, just can determine this specific automatic cashing machine 100a, similarly be its name.In the present embodiment, the content of feature code 401 is 6234578; Certainly, the setting means of feature code 401 is not do any qualification.In order between different financial terminal 100, to distinguish, each financial terminal 100 should have one independently with system in other financial terminal feature code 401 inequality, that is, the feature code 401 of each financial terminal 100 in the system is unique.
Take the operator of important bank of several China to come to be specially the Agricutural Bank of China, industrial and commercial bank, China Merchants Bank, Bank of China for example.We know that when calling, the Service Phone of agricultural bank is 95599, and the Service Phone of industrial and commercial bank is 95588, and the Service Phone of China Merchants Bank is 95555, and the Service Phone of Bank of China is 95566.Further taking the Agricutural Bank of China is example, just can get its Service Phone " 95599 " as service network 402, both can dial, and can receive user's note again.
Support this professional communication network, being fit to is mobile intelligent net, by mobile intelligent net, can discern different call contents, and voice service etc. is provided.
The explanation of Fig. 2:
In the present embodiment, set Terminal Service information 400 is not arranged on the fuselage front panel 101, but directly shows by display screen 200.This implementation has multiple benefit, such as, can prevent that the lawless person from making false Terminal Service information 400, and be set on the fuselage front panel 101; In addition, by the mode that display screen 200 directly shows, what hardware aspect changed lacks, and mainly is change software, increases corresponding displaying contents, that's all.Other parts are similar with embodiment shown in Figure 1.
The explanation of Fig. 3:
This be one in order to realize network system of the present invention.In total system, the structure of user institute direct correlation has two, is respectively self-help drawing money machine 100a and mobile phone 500.Shown in the ginseng figure, include mobile phone display screen 501 and communication keypad 502 on the mobile phone 500.On self-help drawing money machine 100a,, demonstrate Terminal Service information 400 by display screen 200.The user utilizes mobile phone 500, adopts communication keypad 502, with the content of feature code 401, as a note form, is input in the service code 402.System by analysis after, the relevant information of the bank card that user's mobile phone 500 is bound extracts, and is sent to the specific self-help drawing money machine 100a place that the user faces, next step, the user just can carry out various the operation in bank card being inserted into this self-help drawing money machine 100a.
And as total system, include the communication system relevant with mobile phone 500, and with the relevant financial sector of self-help drawing money machine 100a.In the present embodiment, the communication system relevant with mobile phone 500 mainly includes and can send wireless signals to mobile phone 500, and the base station 600 that can receive mobile phone 500 signal transmitteds, and each base station 600 is by movements control center 601, controls and coordinates.At movements control center 601 places, the server that can analyze mobile phone 500 information that sends can also be set, and in order to store the database of the bank card information that the user bound.In operating process, the user can directly utilize the transmission way of short messages to realize, also can utilize the mode of calling to realize.When calling, communication system can also be sent sending voice information to the user, and the user operates according to the voice messaging that mobile phone 500 is play, and finishes with the specific bank card and sets up the operation that links.These functions can be passed through existing communication network, increase corresponding service content by mobile intelligent net again, realize.
The financial sector aspect includes the server that is used to handle the financial sector relevant information, and promptly financial server 602.In financial server 602, be fit to be provided with database, be used for the relevant information of the bank card that memory mobile phone 500 relevant informations, mobile phone 500 bind mutually, and can support relative program, data of this professional financial terminal 100 etc.The user is when applying for bank card and handset binding, and its related data need be written in the database of financial server 602.
The relevant information of being transmitted the mobile phone 500 that comes by movements control center 601 can be accepted and handle to described financial server 602.Mobile phone transmits the information spinner that comes and wants two parts, and the one, the information of mobile phone self mainly is the data of number (as the phone number on the SIM card) aspect of mobile phone; The 2nd, the Terminal Service information that mobile phone sent is as the feature code of financial terminal; In addition, when handset binding of user has a plurality of bank card, also comprise specific bank is sticked into the information that row is selected.
After financial server 602 has obtained the user and utilizes the information that mobile phone 500 sends, can access the information of user's bank card aspect at an easy rate.
Financial server 602 by financial transmission network 603, is transferred to the specified self-help drawing money machine 100a place of user after accessing the relevant information of the bank card that mobile phone 500 bound.Finance transmission network 603 is in order to realize the information transmission between financial server 602 and the financial terminal 100; Both can be special data transmission special line, also can adopt the internet, certainly, also can adopt other data transmission structure.
The explanation of Fig. 4:
This is to be used to realize a process flow diagram of the present invention, does not comprise the bindings of bank card.
If user's mobile phone has only been bound a bank card, so this mobile phone just can and a bank card between set up one-to-one relationship, step 703 has not just had.
After it is pointed out that link is set up, have corresponding demonstration, input password etc. as the prompting user at specific financial terminal 100.This link and show should effective property, if through after a while, as 20 seconds, if the user does not input password, or when not operating as requested, this link and show and will break; Down together.
It is pointed out that the feature code in the Terminal Service information 400, both can also make and can directly dial, also can receive the form of note, in this case, the number of service network just permeates individual with feature code.Such as, can fictionalize a telephone number, as be similar to the telephone number of phone number, as 13966668XXX.The user can directly dial 13966668XXX with the mobile phone of oneself, realizes associative operation; When chain is connected to a plurality of bank card, can directly realize selection operation, as according to voice suggestion, press to add behind the different buttons and dial " # ", just can selecting to the specific bank card.Also can send note to 13966668XXX, as, the mobile phone of oneself by having linked an Agricutural Bank of China bank card and the bank card of an industrial and commercial bank, if when wanting to use the bank card of agricultural bank, only need to send note " agricultural bank ", just the agricultural bank's chain jamming of oneself has been received the financial terminal at place to 13966668XXX.
When bank that the user linked has a plurality of, when particularly having a plurality of bank card of operator of same bank, can also be different bank card names, its naming method does not limit, such as, can be named as " doggie " for a bank card, another is named as " kitten ", or represent with numeral, or the like.Like this, when distinguishing, directly adopt user's name content just passable.
The explanation of Fig. 5:
This also is to be used to realize a process flow diagram of the present invention, and is very similar to embodiment shown in Figure 4, is just utilizing aspect the feature code difference to some extent.
Step 803 is if the user has utilized a handset binding a plurality of bank cards so, need make a choice in a plurality of bank cards.The operating process of selecting has multiple mode of operation to realize.
At first, can realize by the operation interface on the self-help drawing money machine 100a.Secondly, can when sending note, directly indicate corresponding bank card; If bank card from different operators of bank, so, indicates operator of corresponding bank and gets final product,, can indicate corresponding source place and get final product if bank card comes from different places; In addition, can also give different bank card names, or play code name, it is just passable to indicate code name.This dual mode, last embodiment has explanation.
The 4th kind of method can send the feedback note to the user by system, after being selected by the user, again note is sent to system.The 5th kind of method, if the user has a plurality of bank cards that are directed to different bank operator, as Chinese agricultural bank, industrial and commercial bank, or the like, then, the code of the service network of each operator has nothing in common with each other, as, the code of agricultural bank is taken as 95599, and the code of industrial and commercial bank is for getting 95588 etc., send information to different service network, can realize being under the jurisdiction of the identification between the bank card of different bank operator.
If user's mobile phone has only been bound a bank card, this mobile phone just and between a bank card has been set up one-to-one relationship so, and step 803 has not just had.
Step 804 by system's acting in conjunction, is set up between the employed self-help drawing money machine of user 100a and own specific bank card and is linked.This step has just been inserted bank card as user oneself to the ATM terminal after realizing.
Here, other lifts a more more complete letter example.
User's first has a mobile phone, and its number is 1361111XXXX, and he has a bank card, for the Agricutural Bank of China, card number is 95599800366666XXXXX.User's first is handled the binding business of bank card and mobile phone to the agency of the Agricutural Bank of China.After the operating department of agricultural bank has confirmed user's application, with the phone number of user's first and the information such as bank card number of user's first, by financial transmission network 603, be sent in the financial server 602, finish these data write work after, the bank card binding operation of user's first has just been finished.
In addition, the write operation of these data, promptly the bindings of bank card also can be passed through internet or telephone bank, even the self-help drawing money machine etc., finish by user oneself is self-service.And the data of subscriber phone number and bank card aspect except being sent to financial server 602, can also be sent to movements control center 601 places.
After the bank card binding of user's first, just the finance that can utilize mobile phone to be correlated with has been operated.
Such as, user's first on display screen 200, is read Terminal Service information 400 at a self-help drawing money machine 100a place, and the feature code 401 that shows above is 955996345, and service network 402 is 95599.So, user's first sending short message by mobile phone, sending to number with 955996345 is in 95599 the service network 402.The information of short message content and user mobile phone self by base station 600, movements control center 601 etc., is transferred to financial server 602 places, after treatment, accesses the bank card information of user's first, and then is sent to self-help drawing money machine 100a place.Next, the displaying contents on the display screen 200, with card number be the effect that the bank card of 95599800366666XXXXX is inserted into this self-help drawing money machine 100a, be consistent.Then, the password of user's first input bank card, identification by after just can withdraw the money etc. and to have operated.
Again such as, user's first was after thing was bought in the supermarket, at the cashier place, check on the cashier's machine of supporting this function shown Terminal Service information, then, feature code is wherein sent in the service network, access the relevant information of bank card again by system, next, the user only need input the password of bank card, just can pay.
And, can adopt similar mode to realize delivery operation too in other occasion.
If the handset binding of user's first a plurality of bank cards, so, can adopt the selection mode between aforesaid a plurality of bank card, select.
More than be the description of this invention and non-limiting, based on other embodiment of inventive concept, all among protection scope of the present invention.
Claims (11)
1. one kind is utilized mobile phone terminal to withdraw the money or the implementation method of the system that pays, it is characterized in that this method includes following steps:
Specific bank card is bound mutually with specific mobile phone number;
On financial terminal, show the Terminal Service information of the feature code that comprises this financial terminal;
The user utilizes mobile phone directly to dial feature code;
Service network sends to financial server with user's cellphone information and feature code information;
Financial server is found out the bank card information of binding mutually with this mobile phone, as user's bank card input information;
Be sent to the financial terminal at user place;
The user imports corresponding bank card password;
After password passes through, implement the finance operation.
2. one kind is utilized mobile phone terminal to withdraw the money or the implementation method of the system that pays, it is characterized in that this method includes following steps:
Specific bank card is bound mutually with specific mobile phone number;
On financial terminal, show the Terminal Service information that comprises this financial terminal feature code;
The user utilizes mobile phone, will comprise in the mode that sends short message sending to the information of feature code in order in the service network that receives this information;
Service network sends to user's cellphone information and short message content in the financial server;
Financial server is found out the bank card information of binding mutually with this mobile phone, as user's bank card input information;
Be sent to the financial terminal at user place;
The user imports corresponding bank card password;
After password passes through, implement the finance operation.
3. a kind of mobile phone terminal according to claim 1 and 2 is withdrawn the money or the method for the system that pays, and it is characterized in that: described Terminal Service information is arranged on the fuselage front panel in the display screen outside.
4. a kind of mobile phone terminal according to claim 1 and 2 is withdrawn the money or the method for the system that pays, it is characterized in that: described Terminal Service information is shown by the display screen of self-help drawing money machine.
5. a kind of mobile phone terminal according to claim 1 and 2 is withdrawn the money or the method for the system that pays, it is characterized in that: described Terminal Service information includes two parts, be respectively in order to the unique feature code of in system, representing this financial terminal and the information that can receive the service network of note transmission.
6. a kind of mobile phone terminal according to claim 1 and 2 is withdrawn the money or the method for the system that pays, it is characterized in that: be directed to different operators of bank, be provided with specific service network.
7. a kind of mobile phone terminal according to claim 1 and 2 is withdrawn the money or the method for the system that pays, it is characterized in that: when handset binding has a plurality of bank card, carry out one of in the following way the selection of specific bank card,
(1) realize selection operation by the operation interface on the self-help drawing money machine,
(2) name when sending note for bank card in advance, directly indicate corresponding bank card title,
(3) send the feedback note to the user by system, after selecting by the user, again note be sent to system,
(4) system adopts the mode of voice consulting, allows the user by pushing specific keys making a choice between a plurality of bank cards,
(5) code of the service network of each operator of bank has nothing in common with each other, and sends information to different service network, with the identification between the bank card of realizing being under the jurisdiction of different operators.
8. the method for the system that withdraws the money according to claim 1,2 described a kind of mobile phone terminals or pay is characterized in that: feature code is made virtual telephone number, and can be in order to directly to dial and to receive the note that is sent.
9. system that utilizes mobile phone terminal to withdraw the money or pay is characterized in that this system comprises:
Financial terminal is in order to carry out the terminal device of financial transaction, to be provided with comprising the Terminal Service information of feature code;
Mobile phone is to be provided with display screen, can be used in the portable terminal that sends and dial particular code;
Wireless communication system includes the base station that can carry out radio communication with described mobile phone, and in order to control and to coordinate the movements control center of each base station;
Financial server, in order to the cellphone information and the bank card information of storage and process user, and acceptance is via the information that comprises particular code that cellphone information and mobile phone sent of wireless communication system transmission;
The finance transmission network realizes the communication network that signal transmits between financial server and financial terminal.
10. a kind of system that utilizes mobile phone terminal to withdraw the money or pay according to claim 9 is characterized in that: financial terminal be self-help drawing money machine, self-help deposit machine, self-help charging machine, financial enquiry machine and can the cashier's machine of bankcard consumption in one of them.
11. a kind of system that utilizes mobile phone terminal to withdraw the money or pay according to claim 9 is characterized in that: in financial server, be provided with database, the relevant information of the bank card of be used for the memory mobile phone relevant information, binding with mobile phone mutually.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100508107A CN101882345A (en) | 2009-05-08 | 2009-05-08 | System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009100508107A CN101882345A (en) | 2009-05-08 | 2009-05-08 | System for carrying out withdrawal or payment by utilizing mobile phone terminal and implementation method thereof |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013135204A1 (en) * | 2012-03-16 | 2013-09-19 | ***通信集团公司 | Identifying and accessing method for multiple applications, relevant equipment and communication system |
| CN105550880A (en) * | 2015-11-27 | 2016-05-04 | 四川诚品电子商务有限公司 | Improved internet commerce and trade payment system |
| CN112598410A (en) * | 2020-12-21 | 2021-04-02 | 中国工商银行股份有限公司 | Cash withdrawal processing method, acquiring bank server and system |
-
2009
- 2009-05-08 CN CN2009100508107A patent/CN101882345A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013135204A1 (en) * | 2012-03-16 | 2013-09-19 | ***通信集团公司 | Identifying and accessing method for multiple applications, relevant equipment and communication system |
| CN105550880A (en) * | 2015-11-27 | 2016-05-04 | 四川诚品电子商务有限公司 | Improved internet commerce and trade payment system |
| CN112598410A (en) * | 2020-12-21 | 2021-04-02 | 中国工商银行股份有限公司 | Cash withdrawal processing method, acquiring bank server and system |
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Application publication date: 20101110 |