CN1591498A - Method for leadership and parents in foreign area to monitor bank card consuming of subordinate or younger generation by cell phone - Google Patents
Method for leadership and parents in foreign area to monitor bank card consuming of subordinate or younger generation by cell phone Download PDFInfo
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- CN1591498A CN1591498A CN 03140303 CN03140303A CN1591498A CN 1591498 A CN1591498 A CN 1591498A CN 03140303 CN03140303 CN 03140303 CN 03140303 A CN03140303 A CN 03140303A CN 1591498 A CN1591498 A CN 1591498A
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Abstract
The present invention relates to a method mainly used for leader and parents to monitor bank card transaction of subordinate or younger generation by using handset. Said method is characterized by that after the related information of bank card number, etc. of payers, such as personnel of company and juveniles is received by every money-collecting unit, the money-collecting unit can send the payment information into card-issuing bank, then the card-issuing bank can send the payment information into payer's mobile telephone, the payer can utilize the mobile telephone to confirm or reject said payment information. According to the confirmed payment information of payer the card-issuing bank can notify it to money-collecting unit. If the payment information is confirmed by payer and said transaction is successful, the correspondent sum of money can be transferred into money-collecting unit account from payer acount by means of card-issuing bank, at the same time the card-issuing bank can notify the payer's bank card transaction data to payer account supervisor.
Description
TECHNICAL FIELD OF THE INVENTION
The present invention relates to utilize the communication field of mobile phone and the clearing record keeping field of payment payment.
The technical background of invention
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
Goal of the invention
The development of modern science and technology makes the present various payment and settlement modes that occurred, and provides convenience for the payer.But many company personnel or minor utilize bank card to consume in a large number in the strange land, but company leader or its father and mother do not know.So, invent a kind of not only convenient but also safety and make the monitor can in time know the method for monitored people's bank card business dealing very necessary, the present invention is exactly in order to reach above purpose.
Summary of the invention
The present invention is based on the development of The present computer technology and modern communications technology.
Be the convenience in the statement, this instructions can be referred to as payee to the unit that the payer collects fund, as units such as shopping, the market of consuming, hotel, hotel are provided to the payer.To directly use the person of bank card business dealing to be the payer, the payer can be to use the company personnel of company's bank card and use the minor of own bank card or father and mother's bank card.The leader or the father and mother of monitoring payer bank card business dealing situation are called the monitor.Issuing bank can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the payer.Bank card comprises that having of various issued by banks such as debit card, credit card, credit card withdraw the money, do shopping and the card of function such as consumption.
Method of the present invention mainly comprises the steps:
A, payee obtain payer's bank card number in interior information;
B, payee send to issuing bank and require from the corresponding fund of payment in payer's bank card account to the account's of payee payment information;
After payee's payment information and identification are received by c, issuing bank, immediately in the mode of voice message phone to payer's mobile phone Sending Payments information, the people that requests for payment confirms or refusal;
D, payer utilize mobile phone payment information is confirmed or to be refused and feed back issuing bank;
After e, the information of issuing bank, change corresponding fund over to the payee account from payer account, and will confirm that payment information sends to payee payer's affirmation or refusal;
The monitor that f, issuing bank make an appointment to the payer is as the information of payer's leader or father and mother's mobile phone Sending Payments people bank card account transaction.
In the method, after the Transaction Success, issuing bank can be to the notice of payer's mobile phone Sending Payments success; Payee can send the notice of Transaction Success to payer's mobile phone; In addition in the method, the payer also can give payee to swipe the card bank card, by payee card using information is sent to issuing bank as " payment information ".
The present invention is further illustrated below by drawings and Examples:
The step of process description the inventive method of Figure of description:
A, 12 years old junior one student Xiao Ming take advantage of mother and go on business during Beijing, consume 3800 yuan of Renminbi 3: 10 morning of on July 7th, 2003 in Shenzhen red autumnal leaves nightclub, checking out when leaving away, Xiao Ming informs that the bank card number (supplement card of its mother's bank card) of red autumnal leaves nightclub of payee oneself is in interior information; Inform own Shenzhen agricultural bank of nightclub card number 95,599 8,008 51,738 70115 as Xiao Ming; In addition, payer Xiao Ming also can give nightclub to swipe the card bank card, by nightclub card using information is sent to issuing bank as " payment information ";
B, nightclub of payee send the payment information that requires to pay 3800 yuan of nightclub's consumption money Renminbi in payer Xiao Ming bank card 95,599 8,008 51,738 70115 accounts to Shenzhen agricultural bank of issuing bank;
After in a single day c, Shenzhen agricultural bank of issuing bank receive payee's payment information and identification, Mobile Directory Number 13902966788 according to the original registration of Xiao Ming, mode with voice message phone sends the payment information of whether agreeing to pay 3800 yuan of Renminbi to Xiao Ming's mobile phone, and the people that requests for payment confirms or refusal;
After receiving calls, d, Xiao Ming utilize mobile phone payment information is confirmed or to be refused and feed back Shenzhen agricultural bank; On phone, confirm payment as Xiao Ming, or refuse payment by refusal password 44 by affirmation password 88; In the time of agreement, do not confirm in 5 seconds that as Xiao Ming then bank can be considered it and refuses payment;
After the information that Xiao Ming confirms is received by e, Shenzhen agricultural bank, in payer's bank card 95,599 8,008 51,738 70115 accounts, change corresponding fund Renminbi over to nightclub of payee account for 3800 yuan, and will confirm that payment information sends to red autumnal leaves nightclub of payee.As " 3800 yuan of moneys of Renminbi have been received appropriate ", otherwise send refusal information " payer refuses payment " or the like;
F, Shenzhen agricultural bank of issuing bank are according to prior agreement, and to payer Xiao Ming's mother, promptly the monitor of bank card 95,599 8,008 51,738 70115 sends the information of Xiao Ming's bank card business dealing.Mother's Xiao Ming who goes on business in Beijing with the form of SMS notice as agricultural bank mobile phone 90926688: " on July 7th, 2003 3:10 branch, bank card 95,599 8,008 51,738 70115 accounts reduce 3800 yuan of Renminbi, 580 yuan of balance in hand Renminbi." so that Xiao Ming's mother in time knows, and warn Xiao Ming;
G, Shenzhen agricultural bank of issuing bank are to the notice of payer Xiao Ming mobile phone 13902966788 Sending Payments successes; " on July 7th, 2003 3:10 branch, you account reduces 3800 yuan of Renminbi, 580 yuan of balance in hand Renminbi as SMS notice.”
H, red autumnal leaves nightclub of payee obtain money received appropriate information after, send the SMS notice of Transaction Success to payer Xiao Ming mobile phone 13902966788; As " it is appropriate that 3800 yuan of consumption money Renminbi have been received, and good night to wish you! "
Use this method, the company leader also can know the situation that the employee uses company's bank card business dealing outside, and needn't require the employee all to ask the leader for instructions before every bank card business dealing.Therefore, this method is being given leader and employee while greatly easily, but allows the operating position of in time understanding company's bank card as monitor's leader.
Claims (4)
1, a kind of monitor uses the method for monitoring mobile phone payer bank card business dealing, and this method comprises the steps:
A, payee obtain payer's bank card number in interior information;
B, payee send to issuing bank and require from the corresponding fund of payment in payer's bank card account to the account's of payee payment information;
After payee's payment information and identification are received by c, issuing bank, immediately in the mode of voice message phone to payer's mobile phone Sending Payments information, the people that requests for payment confirms or refusal;
D, payer utilize mobile phone payment information is confirmed or to be refused and feed back issuing bank;
After payer's confirmation is received by e, issuing bank, change corresponding fund over to the payee account, and will confirm that payment information sends to payee from payer account;
The information that f, issuing bank conclude the business to monitor's mobile phone Sending Payments people bank card account that the payer makes an appointment.
2, according to claim 1, after the Transaction Success, issuing bank can be to the notice of payer's mobile phone Sending Payments success;
3, according to claim 1, after the Transaction Success, payee can send the notice of Transaction Success to payer's mobile phone;
4, according to claim 1, issuing bank can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the payer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140303 CN1591498A (en) | 2003-08-28 | 2003-08-28 | Method for leadership and parents in foreign area to monitor bank card consuming of subordinate or younger generation by cell phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140303 CN1591498A (en) | 2003-08-28 | 2003-08-28 | Method for leadership and parents in foreign area to monitor bank card consuming of subordinate or younger generation by cell phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1591498A true CN1591498A (en) | 2005-03-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03140303 Pending CN1591498A (en) | 2003-08-28 | 2003-08-28 | Method for leadership and parents in foreign area to monitor bank card consuming of subordinate or younger generation by cell phone |
Country Status (1)
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| CN (1) | CN1591498A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104050542A (en) * | 2014-06-29 | 2014-09-17 | 谭希韬 | Performance statistical method and system based on wearable banking business electronic log device |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
-
2003
- 2003-08-28 CN CN 03140303 patent/CN1591498A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104050542A (en) * | 2014-06-29 | 2014-09-17 | 谭希韬 | Performance statistical method and system based on wearable banking business electronic log device |
| CN107808340A (en) * | 2017-09-08 | 2018-03-16 | 海联金汇科技股份有限公司 | A kind of credit card management method and equipment |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |