WO2005083600A1 - A mobile bank system - Google Patents

A mobile bank system Download PDF

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Publication number
WO2005083600A1
WO2005083600A1 PCT/CN2005/000200 CN2005000200W WO2005083600A1 WO 2005083600 A1 WO2005083600 A1 WO 2005083600A1 CN 2005000200 W CN2005000200 W CN 2005000200W WO 2005083600 A1 WO2005083600 A1 WO 2005083600A1
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WO
WIPO (PCT)
Prior art keywords
wireless communication
communication terminal
short message
user
mobile
Prior art date
Application number
PCT/CN2005/000200
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French (fr)
Chinese (zh)
Inventor
Hualong Huang
Original Assignee
Hualong Huang
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Publication date
Application filed by Hualong Huang filed Critical Hualong Huang
Publication of WO2005083600A1 publication Critical patent/WO2005083600A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a new mobile banking system that handles various banking services for users through Internet and wireless communication network services, and provides security protection for user accounts through wireless communication network short message services, and uses the same to perform 4 banking operations. Method of trading.
  • wireless communication terminal equipment wireless communication mobile phones, wireless Internet access equipment, etc.
  • wireless communication terminal users reaching 300 million and Internet users reaching 94 million; with the advent of wireless communication technologies GPRS and 3G, the interconnection and integration of wireless communication networks and the Internet have theoretically become a reality, making Wireless communication users can access the Internet more quickly.
  • GPRS communication terminals and CDMA communication terminals have the function of wireless Internet access.
  • the existing online banking has shown strong vitality, but there are still significant security risks.
  • the existing online banking transaction security guarantees are mainly SSL encryption protocols, firewalls, login passwords and account numbers, and there is security in login passwords and account theft. Hidden danger.
  • the present invention provides a new banking system, which not only enables the bank user to log in anytime, anywhere Go to your own bank account for various services and provide a more secure protection system for user accounts.
  • a mobile banking system is provided.
  • a user of a wireless communication terminal can log in to the mobile banking system using the wireless communication terminal communication number as a bank account through the wireless communication terminal or through the Internet or a wireless communication network.
  • the mobile banking system includes: A user account management device, configured to manage accounts of wireless communication terminal users;
  • 4 business service processing device used for wireless communication terminal users to handle various banking services that the existing 4M ⁇ system can handle
  • a database device that stores user information and various banking records of the mobile banking system
  • a control and management device for centrally controlling and managing various operations of the entire mobile banking system, and having a monitoring function for various operations;
  • the mobile banking system further includes a short message and a short message management device for monitoring various business operations of a mobile communication terminal user's mobile bank account and automatically generating corresponding operation request confirmation short messages or operation result confirmation short messages.
  • the communication network sends the generated short message to the wireless communication terminal user and the bound user for confirmation, and if a valid positive confirmation confirmation is received from the wireless communication terminal user and the bound user (if a short message is sent to the bound user), the process is completed.
  • Various operations requested by the user of the wireless communication terminal, or the operations are canceled otherwise, wherein the mobile bank account of the user of the wireless communication terminal is the communication number of the wireless communication terminal.
  • a wireless communication terminal user logs in to the mobile banking system through a mobile banking account using a wireless communication network or the Internet ;
  • the wireless communication terminal user requests the mobile banking system to handle various banking services;
  • the mobile banking system automatically generates an operation request confirmation short message in response to the user's request, and sends the generated operation request confirmation short message to the wireless communication terminal user through a wireless communication network Confirm with the bound user (if a short message is sent to bind the user);
  • the mobile banking system responds to the user's request for confirmation of the validity of the short message and confirms that the user handles the requested banking business, otherwise the business operation is cancelled;
  • mobile banking The system automatically generates the operation result for the result of the operation performed on the bank account of the wireless communication terminal user, recognizes the short message, and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user through the wireless communication network (if set SMS Send a bound user) for
  • a short message and short message management device is also provided, which is used to automatically generate an operation request confirmation short message in response to an operation request requested by a wireless communication terminal user to its network account and to provide a network for the wireless communication terminal user All operations performed on the account automatically generate operation record short messages, and send the generated short messages to the wireless communication terminal user and the bound user (if the short message is sent to the township user) for confirmation through the wireless communication network, if wireless communication is received If the end user has a valid positive confirmation, then the various operations requested by the wireless communication terminal user are completed, otherwise the operations are cancelled.
  • the present invention due to the movable, ready-to-access characteristics of wireless communication technology and the widely distributed characteristics of the Internet, it also determines the wireless communication terminal user, which can access the wireless communication terminal communication number as the communication number of the wireless communication terminal through the wireless communication network or the Internet.
  • a bank account with a bank account which performs various banking operations without being restricted by time and place.
  • This kind of banking business handling method solves the current time and location restrictions of existing bank users when conducting business; various operations of bank accounts are automatically recorded and operation request text messages are notified to wireless communication terminal users and binding
  • the method of confirming and confirming by the user is used as the bank account security guarantee system, so that the bank account is monitored by the bank user and the bound user (if the bound user is set), which solves the existing bank or
  • FIG. 1H is a structural block diagram of a mobile system according to the present invention.
  • FIG. 2 is a flowchart of a banking operation using the mobile banking system of the present invention.
  • a wireless communication terminal (1) (a wireless communication mobile phone, a wireless Internet access device, etc.) provides a user of the wireless communication terminal with a function of sending and receiving text messages, surfing the Internet, and logging in to a mobile bank through a wireless communication network; the Internet (2), wireless End users can log in to access the mobile banking system through the internet (2); wireless communication network (3) provides short message sending and receiving services, mobile banking access and other services for wireless communication terminals; user account management devices (4) are used to provide users with Account management, responsible for new user registration, old user login or logout, and other services;
  • the management and control device (5) is the core device of the mobile banking system, which centrally controls and manages all the devices of the mobile bank and the coordination and cooperation between each device.
  • the management device (11) is a security function device of the mobile bank, and monitors all operations of various services of the mobile bank together with the management and control device, and automatically generates operation requests in response to various banking operations required by the user of the wireless communication terminal. Confirm the short message and automatically generate the operation result confirmation short message for the result of the operation performed on the bank account of the wireless communication terminal user, and send the generated short message to the wireless communication terminal user and the bound user through the wireless communication network (if the short message is set Send the bound user) for confirmation.
  • wireless communication terminal users mentioned in this application are intended to include all users who can use wireless communication terminals for online operations. They are not limited to individuals, but also include corporate users, corporate users, etc. (as long as they can pass the corresponding wireless communication terminal Just do it online.)
  • the short message and short message management device may not only generate an operation request confirmation short message and generate an operation result confirmation short message for an operation result in response to an operation request of a wireless communication terminal user, but also monitor all operations performed on the wireless communication terminal user account.
  • An operation record short message is automatically generated for each operation, and the generated short message is sent to a wireless communication terminal user and a bound user (if a short message sending bound user is set) for confirmation via a wireless communication network according to a user's request.
  • the short message and short message management device in the present invention can also be applied to other network account management operations other than the present invention.
  • the network account includes, but is not limited to, an Internet account (such as an online bank account, a QQ number), a local area network account, and the like. Any account with network operation functions that can be conceived by those skilled in the art should be included in the scope of the network account of the present invention.
  • the short message and short message management device can respond to operations of a wireless communication terminal user on his network account.
  • FIG. 2 shows a method for performing bank transactions using the mobile banking system according to claim 1, wherein a wireless communication terminal user logs in to the mobile banking system through a wireless communication network or the Internet; the wireless communication terminal user requests the mobile banking system to handle each A banking service; the mobile banking system automatically generates an operation request confirmation short message in response to a user request, and sends the generated operation request confirmation short message to a wireless communication terminal user and a bound user (if a short message is sent to bind the user) ) To confirm; the mobile banking system responds to the user's confirmation of the validity of the operation request and the positive confirmation is that the user handles the requested banking business, otherwise the business operation is cancelled; the mobile banking system uses it as the banking operation performed by the user The result automatically generates an operation result confirmation short message and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user (if a short message sending bound user is set) for confirmation through a wireless communication network; The system responds to the user confirming the validity of the operation result and confirming the validity of the short
  • Account registration / deregistration Existing wireless communication terminal users who have opened communication services can use the wireless communication terminal (1) to log in to the mobile system through the wireless communication network (3) or the Internet (2), and through the user account management device ( 4) Register / deregister a mobile bank account with its own wireless terminal communication number as an account; or register / deregister a mobile bank account with its own communication number as an account through the local access device (17).
  • the local access device (17) referred to here implements such a function, that is, the wireless terminal user can use the local access device in the mobile banking system to handle all the banking services that it can handle through the ordinary banking system. It can be, for example, a business hall or an agency of a mobile banking system, whereby a wireless communication terminal user can perform various banking services through the business hall or the agency as it can handle in other banks.
  • the management and control device (5) will generate the registration / deregistration request information via SMS and the short message management device (11).
  • a short message is sent to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) through the wireless communication network (3) for confirmation.
  • the management and control device (5) If the management and control device (5) receives a valid positive confirmation from the corresponding wireless communication terminal (1), it stores or deletes the user registration / deregistration information to the database device (18), and automatically generates the results of the operations performed The operation result confirms the short message and the management and control device (5) sends the generated operation result confirmation short message to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is sent to the binding) through the wireless communication network (3).
  • Wireless communication terminal to confirm, if the management and control device (5) receives a valid positive confirmation from the wireless communication terminal (1) and the bound wireless communication terminal, it opens or closes the corresponding mobile bank account for the registered / deregistered user If the management and control device (5) does not receive a valid confirmation confirmation or a negative confirmation confirmation short message of the corresponding wireless communication terminal 1 and the bound wireless communication terminal (if a short message is sent to the bound wireless communication terminal), the user account is registered / The logout operation will be cancelled and the update will be resumed from the database appliance (19) .
  • the wireless communication terminal user may also perform the account registration / deregistration service through the local access device (17).
  • each operation in the user account registration / deregistration process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored together to the corresponding To the SMS storage device to ensure account security and future user queries.
  • the generated operation record short message may also be sent to the wireless communication terminal user for confirmation according to the request of the wireless communication terminal user.
  • the user of the wireless communication terminal can use the wireless communication terminal (1) to log in to the mobile mobile phone system through the wireless communication network (3) or the Internet (2), and through the maintenance device of the mobile phone service processing device (6) ( 8) Perform account maintenance, including user name, login password, communication address, contact information, binding user settings, personality settings, etc. to modify information data.
  • the account maintenance and modification request information is automatically recorded by the management and control device (5) through the short message and the short message management device (11), and an operation request short message is generated, and then the management and control device (5) passes the operation request short message through the wireless communication network (3) Send to the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) for confirmation.
  • the management and control device (5) receives a valid positive confirmation of the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if a short message is set to be sent to the bound wireless communication terminal), it updates the database device (18). Account information and data, the results are updated
  • the short message and short message management system (11) automatically generate a database update record short message and is sent by the management and control device (5) to the wireless communication terminal (1) through the wireless communication network (3) and the bound wireless communication terminal (if the short message is set to The wireless communication terminal is bound to perform confirmation. If the verification is valid, the database update and maintenance are successful. Otherwise, the operation is cancelled and the update is restored from the backup database device (19).
  • the wireless communication terminal user (1) may also maintain and modify the service through the local access device (17) to manage the account.
  • each operation in the user account maintenance process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together Storage device to ensure account security and future user queries.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • the wireless communication terminal user can use the wireless communication terminal (1) to log in to the mobile banking system through the wireless communication network (3) or the Internet (2), and carry out the information query device (9) of the bank transaction processing device (6). Check mobile account information, transaction records and other information.
  • the user of the wireless communication terminal may also handle the information query service through the local access device (17).
  • Intra-bank transactions For security purposes, mobile banking requires that both parties to the transaction should initiate the transaction request by the transferee, and the transferor should first use the wireless communication terminal (1) through the wireless communication network (3) or through the Internet (2) Log in to the mobile banking system, perform the account transfer operation through the transaction device (7) of the bank business processing device (6), fill in the requested transaction content and confirm that it is correct, and then the management and control device (5) queries the database device (18) Corresponding transfer-in and transfer-out account related information (account balance, etc.), and the query results and requested transaction content are automatically generated by the SMS and SMS management device (11) and sent to the corresponding accounts respectively via the wireless communication network (3).
  • the wireless communication terminal (1) and the bound wireless communication terminal if sending a short message to the bound wireless communication terminal) for confirmation.
  • the management and The control device (5) will update the relevant information of the transfer-in and transfer-in account corresponding to the database device (18), and at the same time, the short message and short message management system (11) will automatically generate database update records and send short messages to the corresponding transfer and transfer account respectively.
  • Wireless communication The terminal (1) and the bound wireless communication terminal are confirmed and confirmed, if the verification is valid, the operation is updated successfully, otherwise the operation is cancelled or returned to the upper layer operation and the update is restored from the backup database (19) .
  • the wireless communication terminal user (1) may also perform in-bank transaction services through the local access device (17).
  • each operation in the bank's internal transaction process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together
  • the generated operation record short message can be sent to the wireless communication terminal user for confirmation.
  • Cross-bank transactions According to the agreement signed with external banks, all transactions that are transferred out of the bank's account to external contracted bank accounts are set up by the external bank as a special wireless communication terminal user of the bank (Specially set up a special wireless communication terminal user account for the external contracted bank)
  • the agent accepts the transfer transaction business, and the transaction method is the same as the internal transaction of the 4 bank.
  • the wireless communication terminal user may also handle the inter-bank transaction (transfer out) service through the local access device (17).
  • each step in the inter-bank transaction (fund transfer) process will be automatically recorded by the short message and the short message management system (11) and an operation record short message will be generated, and the operation record short message and the confirmation confirmation message that must be responded together Stored in the corresponding short message storage device, in order to ensure the security of the account and future user inquiry.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • Interbank transactions can be conducted in other ways under the signed agreement.
  • Cross-bank transactions According to an agreement signed with an external bank, all transactions that are transferred out of the bank's account via an external contracted bank account will be an account set up by the bank as a special user of the bank (specially for The Bank has set up a special user account.)
  • the agent accepts transfer transactions.
  • external bank account funds need to be transferred to the bank ’s wireless communication terminal user bank account, it must be transferred to the bank through an external contracted bank access device (20).
  • the special account set up by the bank is then transferred to the designated user account separately by the bank. Thereafter, the transaction process is the same as the internal transaction of the bank.
  • each step in the inter-bank transaction (fund transfer) process will be texted and
  • the short message management device (11) automatically records and generates an operation record short message, and stores the operation record short message and the authentic confirmation message that must be responded to the corresponding short message storage device, so as to ensure account security and future user inquiry.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • the inter-bank transaction (transfer) service can be performed in other ways.
  • Wireless communication terminal users can handle cashing and depositing services through local access devices (17).
  • the wireless communication terminal user can prepay a certain amount of wireless communication fees to carry out the deposit and withdrawal of his personal mobile bank account. This can be achieved by, for example, but not limited to, the purchase of a prepaid card of a certain denomination by a mobile phone user, and the purchase of an online card of a certain denomination by a wireless Internet user, etc.
  • the wireless communication terminal user can of course also register with the online bank registered with him through the above-mentioned cross-bank transaction (fund transfer) Transfer funds into your account.
  • the present invention is not limited to the operations described above. Obviously, the user of the wireless communication terminal can also use the same or similar method as the above embodiment.
  • Various other banking services are carried out through the mobile banking system of the present invention. It can be implemented by hardware, 'elements or a combination of components and software and is not limited to a specific form.
  • entities such as shopping malls, toll stations, etc. may be included in the wireless communication terminal users of the mobile bank according to the present invention, so that wireless communication terminal users (such as, but not limited to, mobile phone users or Internet users) can be easily By performing transactions and transfers between the mobile communication system and wireless communication terminal users such as shopping malls and toll stations, unnecessary waste of human and material resources is greatly saved and efficiency is improved.
  • wireless communication terminal users such as, but not limited to, mobile phone users or Internet users

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Abstract

The invention provides a mobile bank system which takes followed method as the insurance system of bank account, said method is that the mobile bank system takes communication number of wireless communication terminal as bank account number, wireless communication terminal user logs in bank account and is capable of performing various banking operations, and various operation processes are automatically recorded and request short message is generated to notify wireless communication terminal user and binding user to confirm ( if set the short message binding users ). According to the mobile bank system of present invention, it can provide a service transaction manner non-limited by time and location for users, and it can solve the disadvantage that existing banks must transact transacting banking services at specified time and location, in such a manner that log in mobile bank through wireless communication terminal, wireless communication network or internet; it can provide a account security monitored mode for users and short message short message manage system and short message send binding set are used to solve the potential safety hazard due to accounts and passwords of existing banks and network banks stolen.

Description

移动银行*** 技术领域  Mobile banking system
本发明涉及通过互联网络和无线通信网络服务为用户***银行 业务， 并通过无线通信网络短信服务为用户帐户提供安全保障的一种新 的移动 4艮行***以及利用该 4艮行进行 4艮行交易的方法。  The present invention relates to a new mobile banking system that handles various banking services for users through Internet and wireless communication network services, and provides security protection for user accounts through wireless communication network short message services, and uses the same to perform 4 banking operations. Method of trading.
背景技术  Background technique
随着无线通信技术和互联网技术的突飞猛进的发展和人们的生活水 平的提高， 人人拥有无线通信终端设备（无线通信手机、 无线上网设备 等）和都能接入互联网将会成为现实， 目前中国拥有无线通信终端用户 到达 3亿之多和互联网上网用户达到 9400万之多；随着无线通信技术 GPRS 和 3G的到来， 无线通信网络和互联网的在互联互通以及融合方面由理论 上成为现实， 使得无线通信用户接入互联网络更加方面快捷， 目前 GPRS 通信终端和 CDMA通信终端都具有无线上网功能。  With the rapid development of wireless communication technology and Internet technology and the improvement of people's living standards, it will become a reality that everyone has wireless communication terminal equipment (wireless communication mobile phones, wireless Internet access equipment, etc.) and can access the Internet. Currently, China With wireless communication terminal users reaching 300 million and Internet users reaching 94 million; with the advent of wireless communication technologies GPRS and 3G, the interconnection and integration of wireless communication networks and the Internet have theoretically become a reality, making Wireless communication users can access the Internet more quickly. Currently, both GPRS communication terminals and CDMA communication terminals have the function of wireless Internet access.
目前传统银行的种种业务基本上是用户是到各自的固定的营业厅进 行办， 在很大程度上受到时间和地点的约束； 现有手机银行的^:作机制 只是将手机用户与现有银行帐号机械的绑定， 并没有摆脱传统 4 行的操 作模式， 并没有为用户提供一个随时随地接入到自己的银行帐户进行各 种 4艮行业务的操作方法， 并没有为用户提供时时监控自己帐户一切行为 的安全保障体系。  At present, the various services of traditional banks are basically carried out by users in their own fixed business halls, which are largely constrained by time and place. The existing mobile banking mechanism is only to connect mobile phone users with existing banks. The binding of account machinery does not get rid of the traditional four-line operation mode. It does not provide users with an operation method for accessing their bank accounts to perform various four-line operations anytime, anywhere, and does not provide users with constant monitoring of themselves. Security system for all acts of the account.
现有网络银行已经反映出较强的生命力， 但是还存在很大的安全隐 患， 现有网上银行交易安全保障主要是 SSL加密协议、 防火墙、 登录密 码与账号， 存在登录密码与账号被盗的安全隐患。  The existing online banking has shown strong vitality, but there are still significant security risks. The existing online banking transaction security guarantees are mainly SSL encryption protocols, firewalls, login passwords and account numbers, and there is security in login passwords and account theft. Hidden danger.
发明内容  Summary of the invention
为了解决现有 4艮行业务办理受到时间和地点的限制， 解决目前网络 银行因用户帐号、 密码被盗的安全问题， 本发明提供一种新的银行***， 不但使得该银行用户可以随时随地登陆到自己的银行帐号***业务 而且为用户帐户提供更安全的保障体系。  In order to solve the limitation of time and place of the existing 4 bank operations, and solve the current security problems of online bank due to the theft of user accounts and passwords, the present invention provides a new banking system, which not only enables the bank user to log in anytime, anywhere Go to your own bank account for various services and provide a more secure protection system for user accounts.
根据本发明的第一方面， 提供一种移动银行***， 无线通信终端用 户可以利用无线通信终端、 通过互联网络或者无线通信网络登录到以其 无线通信终端通信号码作为银行帐号的该移动银行******银行业 务， 该移动 4艮行***包括： 用户帐户管理装置， 用于对无线通信终端用户的帐户进行管理；According to a first aspect of the present invention, a mobile banking system is provided. A user of a wireless communication terminal can log in to the mobile banking system using the wireless communication terminal communication number as a bank account through the wireless communication terminal or through the Internet or a wireless communication network. For various banking services, the mobile banking system includes: A user account management device, configured to manage accounts of wireless communication terminal users;
4艮行业务办理装置， 用于为无线通信终端用户办理现有 4M亍***所 能办理的各种银行业务； 4 business service processing device, used for wireless communication terminal users to handle various banking services that the existing 4M 亍 system can handle;
数据库装置， 存储移动银行***的用户信息和各种银行业务记录； 以及  A database device that stores user information and various banking records of the mobile banking system; and
控制与管理装置， 用于集中控制与管理整个移动银行***的各种操 作， 并对各种操作具有监控作用；  A control and management device for centrally controlling and managing various operations of the entire mobile banking system, and having a monitoring function for various operations;
其特征在于， 该移动银行***还包括短信及短信管理装置， 用于对 无线通信终端用户移动银行帐户的各种业务操作进行监控并自动生成相 应的操作请求确认短信或者操作结果确认短信， 通过无线通信网絡将所 述生成的短信发送给无线通信终端用户和绑定用户进行确认证实， 如果 收到无线通信终端用户和绑定用户 （如果设置短信发送绑定用户） 的有 效肯定确认证实， 则完成该无线通信终端用户所请求的各种操作， 否则 取消所述操作， 其中所述无线通信终端用户的移动银行帐号为其无线通 信终端的通信号码。  It is characterized in that the mobile banking system further includes a short message and a short message management device for monitoring various business operations of a mobile communication terminal user's mobile bank account and automatically generating corresponding operation request confirmation short messages or operation result confirmation short messages. The communication network sends the generated short message to the wireless communication terminal user and the bound user for confirmation, and if a valid positive confirmation confirmation is received from the wireless communication terminal user and the bound user (if a short message is sent to the bound user), the process is completed. Various operations requested by the user of the wireless communication terminal, or the operations are canceled otherwise, wherein the mobile bank account of the user of the wireless communication terminal is the communication number of the wireless communication terminal.
根据本发明的另一方面， 还提供了一种在移动 4M亍***进行 4艮行交 易的方法， 包括以下步骤:无线通信终端用户利用无线通信网絡或者互联 网 通过其移动银行帐号登录到移动银行***；无线通信终端用户请求该 移动银行******银行业务； 移动银行***响应用户的请求自动生 成操作请求确认短信， 并通过无线通信网絡将所述生成的操作请求确认 短信发送给无线通信终端用户和绑定用户 (如果设置短信发送绑定用户） 进行确认； 移动银行***响应用户对所述操作请求确认短信的有效肯定 确认为用户办理其所请求的银行业务， 否则取消该业务操作； 移动银行 ***为对无线通信终端用户的银行帐户所进行的操作的结果自动生成操 作结果桷认短信并通过无线通信网络将所述生成的操作结果确认短信发 送给无线通信终端用户和绑定用户 （如果设置短信发送绑定用户）进行 确认； 移动银行***响应用户对所述操作结果确认短信的有效肯定确认 更新数据库， 完成相应银行业务操作， 否则取消该业务操作并从备份数 据库中恢复先前的数据记录， 其特征在于所述无线通信终端用户的移动 银行帐号为其无线通信终端的通信号码， 各种操作过程都有相应的操作 求短信或者操作结果确认短信通知银行帐户对应的无线通信终端用户和 绑定用户 （如果设置短信发送绑定用户）进行确认证实， 如无相应的有 效回复确认证实则操作将不被继续进行或者祐:取消。 According to another aspect of the present invention, there is also provided a method for performing 4 bank transactions in a mobile 4M system, including the following steps: a wireless communication terminal user logs in to the mobile banking system through a mobile banking account using a wireless communication network or the Internet ; The wireless communication terminal user requests the mobile banking system to handle various banking services; the mobile banking system automatically generates an operation request confirmation short message in response to the user's request, and sends the generated operation request confirmation short message to the wireless communication terminal user through a wireless communication network Confirm with the bound user (if a short message is sent to bind the user); the mobile banking system responds to the user's request for confirmation of the validity of the short message and confirms that the user handles the requested banking business, otherwise the business operation is cancelled; mobile banking The system automatically generates the operation result for the result of the operation performed on the bank account of the wireless communication terminal user, recognizes the short message, and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user through the wireless communication network (if set SMS Send a bound user) for confirmation; the mobile banking system responds to the user's confirmation of the validity of the operation result and confirms that the SMS is valid and updates the database to complete the corresponding banking business operation; otherwise, the business operation is cancelled and the previous data record is restored from the backup database, which It is characterized in that the mobile bank account number of the user of the wireless communication terminal is the communication number of the wireless communication terminal, and various operations have corresponding operations to request a short message or an operation result confirmation message to notify the corresponding wireless communication terminal user and bound user of the bank account (If set to send SMS to bind users) confirm and confirm, if there is no corresponding Response confirmation confirms that the operation will not be continued or you: Cancel.
根椐本发明的另一方面， 还提供一种短信及短信管理装置， 用于响 应无线通信终端用户要求对其网络帐户进行的操作请求自动生成操作请 求确认短信和为对无线通信终端用户的网络帐户所进行的所有操作自动 生成操作记录短信， 并且通过无线通信网络将所述生成的短信发送给无 线通信终端用户和绑定用户 （如果设置短信发送鄉定用户）进行确认， 如果收到无线通信终端用户的有效肯定确认， 则完成该无线通信终端用 户所请求的各种操作， 否则取消所述操作。  Based on another aspect of the present invention, a short message and short message management device is also provided, which is used to automatically generate an operation request confirmation short message in response to an operation request requested by a wireless communication terminal user to its network account and to provide a network for the wireless communication terminal user All operations performed on the account automatically generate operation record short messages, and send the generated short messages to the wireless communication terminal user and the bound user (if the short message is sent to the township user) for confirmation through the wireless communication network, if wireless communication is received If the end user has a valid positive confirmation, then the various operations requested by the wireless communication terminal user are completed, otherwise the operations are cancelled.
根据本发明， 由于无线通信技术的可移动、 随时接入特性和互联网 絡广泛分布特性， 也就决定了无线通信终端用户， 可以通过无线通信网 络或者互联网络接入到以无线通信终端通信号码作为银行帐号的银行帐 户， 进行各种银行业务的操作且不受时间和地点的限制。 此种银行业务 办理方法解决了现有 4艮行用户在进行业务办理时要受到时间和地点的限 制； 以银行帐户的各种操作被自动记录并生成操作请求短信通知无线通 信终端用户和绑定用户 （如果设置短信发送绑定用户）进行确认证实的 方法作为银行帐户安全保障体系 , 使得银行帐户在银行用户以及绑定用 户 （如果设置绑定用户） 的监控之下， 解决了现有银行或者网 艮行因 银行帐号、 密码被盗或者其它事宜给银行帐户带来的安全隐患。  According to the present invention, due to the movable, ready-to-access characteristics of wireless communication technology and the widely distributed characteristics of the Internet, it also determines the wireless communication terminal user, which can access the wireless communication terminal communication number as the communication number of the wireless communication terminal through the wireless communication network or the Internet. A bank account with a bank account, which performs various banking operations without being restricted by time and place. This kind of banking business handling method solves the current time and location restrictions of existing bank users when conducting business; various operations of bank accounts are automatically recorded and operation request text messages are notified to wireless communication terminal users and binding The method of confirming and confirming by the user (if the short message is sent to the bound user) is used as the bank account security guarantee system, so that the bank account is monitored by the bank user and the bound user (if the bound user is set), which solves the existing bank or The security risks that the Internet bank brings to the bank account due to the theft of bank account numbers, passwords, or other issues.
附图说明  BRIEF DESCRIPTION OF THE DRAWINGS
图 1 H根据本发明的移动 4艮行***的构成框图；  FIG. 1H is a structural block diagram of a mobile system according to the present invention;
图 2是利用本发明的移动银行***进行银行业务的流程图。  FIG. 2 is a flowchart of a banking operation using the mobile banking system of the present invention.
具体实施方式  detailed description
参考图 1， 无线通信终端 ( 1 ) (无线通信手机、 无线上网设备等） 为无线通信终端用户提供短信收发、 上网浏览功能和通过无线通信网络 登陆到移动银行功能； 互联网络（2 ) ， 无线终端用户可以通过该互连网 絡（2 )登陆访问移动银行***； 无线通信网络（3 ) 为无线通信终端提 供短信收发服务、 移动银行接入以及其它业务； 用户帐户管理装置（4 ) 用于对用户帐户进行管理， 负责新用户注册、 老用户登陆或者注销及其 它业务； 管理与控制装置（5 )是移动银行***的核心装置， 集中控制与 管理着移动银行所有装置以及各装置之间的配合与协作， 控制和监控着 移动银行所有业务操作流程与进度； 银行业务办理装置（6 )和各类业务 交易装置（7、 8、 9、 10 )为已注册用户进行各种 4艮行业务； 短信及短信 管理装置（11 )是移动银行的安全功能装置， 与管理与控制装置一并监 控着移动银行的各种业务的所有操作， 其响应无线通信终端用户要求进 行的各种银行业务操作自动生成操作请求确认短信和为对无线通信终端 用户的银行帐户所进行的操作的结果自动生成操作结果确认短信， 并且 通过无线通信网络将所述生成的短信发送给无线通信终端用户和绑定用 户 （如果设置短信发送绑定用户）进行确认， 如果没有得到对应的无线 通信终端用户和绑定用户 （如果设置短信发送绑定用户） 的有效肯定确 认， 操作就不会被执行， 起到用户对自己银行帐户进行时时监控的目的； 各类短信存储装置（12、 13、 14、 15、 16 )存储移动银行各种业务的各 种操作记录短信， 为用户进行查询核对时提供记录信息； 本地接入装置 ( 17 )为用户办理资金存现、 兌现、 注册以及其它银行业务； 数据库装 置（18 )为移动银行提供信息、 数据储存和检索、 查询功能， 储存着用 户信息、 注册信息、 帐户信息及数据等， 具有访问、 储存和更新等功能； 备份数据库装置（19 )为数据库装置（18 )提供数据恢复、 备份功能； 外部签约银行接入装置 （20 )用于外部银行与本移动银行进行各种银行 业务往来， 只有签约外部银行才可以根据协议规定的方式利用该外部签 约 4艮行接入装置办理与移动银行之间的跨行业务。 Referring to FIG. 1, a wireless communication terminal (1) (a wireless communication mobile phone, a wireless Internet access device, etc.) provides a user of the wireless communication terminal with a function of sending and receiving text messages, surfing the Internet, and logging in to a mobile bank through a wireless communication network; the Internet (2), wireless End users can log in to access the mobile banking system through the internet (2); wireless communication network (3) provides short message sending and receiving services, mobile banking access and other services for wireless communication terminals; user account management devices (4) are used to provide users with Account management, responsible for new user registration, old user login or logout, and other services; The management and control device (5) is the core device of the mobile banking system, which centrally controls and manages all the devices of the mobile bank and the coordination and cooperation between each device. Collaborate, control and monitor all the business operation processes and progress of mobile banking; Banking business processing device (6) and various business transaction devices (7, 8, 9, 10) to perform various business operations for registered users; SMS And SMS The management device (11) is a security function device of the mobile bank, and monitors all operations of various services of the mobile bank together with the management and control device, and automatically generates operation requests in response to various banking operations required by the user of the wireless communication terminal. Confirm the short message and automatically generate the operation result confirmation short message for the result of the operation performed on the bank account of the wireless communication terminal user, and send the generated short message to the wireless communication terminal user and the bound user through the wireless communication network (if the short message is set Send the bound user) for confirmation. If no valid positive confirmation is obtained from the corresponding wireless communication terminal user and the bound user (if the short message is sent to the bound user), the operation will not be performed and the user will perform a check on his bank account. The purpose of constant monitoring; various types of short message storage devices (12, 13, 14, 15, 16) to store various operation record short messages of various services of mobile banking, to provide recorded information for users to check and check; local access devices (17 ) For the user to deposit, cash, register and Its banking business; database device (18) provides information, data storage and retrieval, query functions for mobile banking, stores user information, registration information, account information and data, etc., with functions such as access, storage and update; backup database device ( 19) Provide data recovery and backup functions for the database device (18); The external contract bank access device (20) is used for external banking to conduct various banking transactions with the mobile bank, and only the contracted external bank can use the methods specified in the agreement Use this external contract 4 bank access device to handle cross-bank business with mobile banks.
请注意本申请中提到的无线通信终端用户旨在包括一切可以使用无 线通信终端进行网上操作的用户， 其不限于个人， 还包括企业用户， 团 体用户等（只要其能通过相应的无线通信终端进行网上操作即可） 。  Please note that the wireless communication terminal users mentioned in this application are intended to include all users who can use wireless communication terminals for online operations. They are not limited to individuals, but also include corporate users, corporate users, etc. (as long as they can pass the corresponding wireless communication terminal Just do it online.)
可选地， 短信及短信管理装置除了可以响应无线通信终端用户的操 作请求生成操作请求确认短信和为操作结果生成操作结果确认短信外， 还可以监控对无线通信终端用户帐户所进行的所有操作， 并为每个操作 自动生成操作记录短信， 并且根据用户的请求通过无线通信网络将所述 生成的短信发送给无线通信终端用户和绑定用户 （如果设置短信发送绑 定用户）进行确认。  Optionally, the short message and short message management device may not only generate an operation request confirmation short message and generate an operation result confirmation short message for an operation result in response to an operation request of a wireless communication terminal user, but also monitor all operations performed on the wireless communication terminal user account. An operation record short message is automatically generated for each operation, and the generated short message is sent to a wireless communication terminal user and a bound user (if a short message sending bound user is set) for confirmation via a wireless communication network according to a user's request.
本领域的技术人员可以清楚认识到本发明中的短信及短信管理装置 还可以被应用除本发明之外的其它网絡帐户管理操作中。 所述网络帐户 包括但不限于互联网帐户 （例如网络银行帐户、 QQ 号码） 、 局域网帐户 等。 本领域的技术人员所能想到的一切具有网络操作功能的帐户都应包 括在本发明的网絡帐户的范围之内。 例如（但不限于此） ， 该短信及短 信管理装置可以响应无线通信终端用户要求的对其网络帐户进行的操作 请求自动生成操作请求确认短信并且为对无线通信终端用户所进行的所 有网络操作自动生成操作记录短信， 通过无线通信网络将所述生成的短 信发送给无线通信终端用户和绑定用户 （如果设置短信发送绑定用户） 进行确认。 如果收到无线通信终端用户的有效肯定确认， 则完成该无线 通信终端用户所倩求的各种操作， 否则取消所述操作。 Those skilled in the art can clearly recognize that the short message and short message management device in the present invention can also be applied to other network account management operations other than the present invention. The network account includes, but is not limited to, an Internet account (such as an online bank account, a QQ number), a local area network account, and the like. Any account with network operation functions that can be conceived by those skilled in the art should be included in the scope of the network account of the present invention. For example (but not limited to this), the short message and short message management device can respond to operations of a wireless communication terminal user on his network account. Request to automatically generate an operation request confirmation message and automatically generate an operation log message for all network operations performed by the wireless communication terminal user, and send the generated short message to the wireless communication terminal user and the bound user through the wireless communication network (if the short message is set Send the bound user) for confirmation. If a valid positive confirmation is received from the user of the wireless communication terminal, the various operations requested by the user of the wireless communication terminal are completed, otherwise the operation is cancelled.
图 2示出了利用权利要求 1所述的移动银行***进行银行交易的方 法， 其中无线通信终端用户通过无线通信网絡或者互联网络登陆到移动 银行***；无线通信终端用户请求该移动银行******银行业务； 移 动银行***响应用户的请求自动生成操作请求确认短信， 并通过无线通 信网络将所述生成的操作请求确认短信发送给无线通信终端用户和绑定 用户 （如果设置短信发送绑定用户）进行确认； 移动银行***响应用户 对所述操作请求确认短信的有效肯定确认为用户办理其所请求的银行业 务， 否则取消该业务操作； 移动银行***将其为用户所进行的银行业务 操作的结果自动生成操作结果确认短信并通过无线通信网络将所述生成 的操作结果确认短信发送给无线通信终端用户和绑定用户 （如果设置短 信发送绑定用户）进行确认； 移动 4艮行***响应用户对所述操作结果确 认短信的有效肯定确认更新数据库， 完成相应银行业务操作， 否则取消 该业务操作并从备份数据库中恢复先前的数据记录。  FIG. 2 shows a method for performing bank transactions using the mobile banking system according to claim 1, wherein a wireless communication terminal user logs in to the mobile banking system through a wireless communication network or the Internet; the wireless communication terminal user requests the mobile banking system to handle each A banking service; the mobile banking system automatically generates an operation request confirmation short message in response to a user request, and sends the generated operation request confirmation short message to a wireless communication terminal user and a bound user (if a short message is sent to bind the user) ) To confirm; the mobile banking system responds to the user's confirmation of the validity of the operation request and the positive confirmation is that the user handles the requested banking business, otherwise the business operation is cancelled; the mobile banking system uses it as the banking operation performed by the user The result automatically generates an operation result confirmation short message and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user (if a short message sending bound user is set) for confirmation through a wireless communication network; The system responds to the user confirming the validity of the operation result and confirming the validity of the short message to update the database and complete the corresponding banking business operation, otherwise the business operation is cancelled and the previous data record is restored from the backup database.
以下通过举例的方式具体描述用户可以通过移动银行***执行的各 种操作。  The following describes in detail the various operations that users can perform through the mobile banking system by way of examples.
帐户注册 /注销： 现有开通通信业务的无线通信终端用户可以利用无 线通信终端（ 1 )通过无线通信网络（ 3 )或者互联网络 ( 2 )登陆到移动 4艮行***， 通过用户帐户管理装置（4 ) 办理注册 /注销以自己的无线终 端通信号码为帐号的移动银行帐户； 或者通过本地接入装置（17 ) 办理 注册 /注销以自己通信号码为帐号的移动银行帐户。  Account registration / deregistration: Existing wireless communication terminal users who have opened communication services can use the wireless communication terminal (1) to log in to the mobile system through the wireless communication network (3) or the Internet (2), and through the user account management device ( 4) Register / deregister a mobile bank account with its own wireless terminal communication number as an account; or register / deregister a mobile bank account with its own communication number as an account through the local access device (17).
此处所指的本地接入装置（17 ) 实现这样的功能， 即， 无线终端用 户可以通过该本地接入装置在移动银行***办理其能通过普通银行*** 办理的所有 4艮行业务。 其可以诸如是移动银行***的营业厅或***厅， 由此无线通信终端用户可以通过该营业厅或***厅办理如其在其它 4艮行 所能办理的各种银行业务。  The local access device (17) referred to here implements such a function, that is, the wireless terminal user can use the local access device in the mobile banking system to handle all the banking services that it can handle through the ordinary banking system. It can be, for example, a business hall or an agency of a mobile banking system, whereby a wireless communication terminal user can perform various banking services through the business hall or the agency as it can handle in other banks.
如果用户提供的信息符合移动银行登记注册 /注销要求， 管理与控制 装置（ 5 )便通过短信以及短信管理装置（ 11 )将注册 /注销请求信息生 成短信并通过无线通信网络（ 3 )发给无线通信终端 （ 1 )和绑定无线通 信终端（如果设置短信发送到绑定无线通信终端）进行确人证实。 If the information provided by the user meets the mobile banking registration / deregistration requirements, the management and control device (5) will generate the registration / deregistration request information via SMS and the short message management device (11). A short message is sent to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) through the wireless communication network (3) for confirmation.
如果管理与控制装置（5 )收到对应的无线通信终端 （1 ) 的有效肯 定确认， 便将用户注册 /注销信息存储到数据库装置（18 )或者删除， 并 且为所进行的操作的结果自动生成操作结果确认短信并由管理与控制装 置（5 )通过无线通信网络（3 )将该生成的操作结果确认短信发送给无 线通信终端 （1 )和绑定无线通信终端（如果设置短信发送到绑定无线通 信终端）进行确认证实， 如果管理与控制装置（5 )收到来自无线通信终 端 （1 )和绑定无线通信终端的有效肯定确认， 则为注册 /注销用户开通 或者关闭相应的移动银行帐户； 如果管理与控制装置（ 5 )没有收到对应 的无线通信终端 1 和绑定无线通信终端 （如果设置短信发送到绑定无线 通信终端）的有效确认证实或者否定确认证实短信， 用户帐户注册 /注销 操作将被取消并从 数据库装置 ( 19 )恢复更新。  If the management and control device (5) receives a valid positive confirmation from the corresponding wireless communication terminal (1), it stores or deletes the user registration / deregistration information to the database device (18), and automatically generates the results of the operations performed The operation result confirms the short message and the management and control device (5) sends the generated operation result confirmation short message to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is sent to the binding) through the wireless communication network (3). Wireless communication terminal) to confirm, if the management and control device (5) receives a valid positive confirmation from the wireless communication terminal (1) and the bound wireless communication terminal, it opens or closes the corresponding mobile bank account for the registered / deregistered user If the management and control device (5) does not receive a valid confirmation confirmation or a negative confirmation confirmation short message of the corresponding wireless communication terminal 1 and the bound wireless communication terminal (if a short message is sent to the bound wireless communication terminal), the user account is registered / The logout operation will be cancelled and the update will be resumed from the database appliance (19) .
可选地， 无线通信终端用户也可以通过本地接入装置（17 ) 办理帐 户注册 /注销业务。  Optionally, the wireless communication terminal user may also perform the account registration / deregistration service through the local access device (17).
可选地， 用户帐户注册 /注销过程中每步操作都会被短信以及短信管 理装置（11 ) 自动记录并被生成操作记录短信， 并且将操作记录短信和 必须回复的确认证实短信一并存储到相应的短信存储装置中， 以便确保 帐户的安全和将来用户查询之用。 此外， 也可才艮据据无线通信终端用户 的请求将生成的操作记录短信发送给无线通信终端用户进行确认。  Optionally, each operation in the user account registration / deregistration process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored together to the corresponding To the SMS storage device to ensure account security and future user queries. In addition, the generated operation record short message may also be sent to the wireless communication terminal user for confirmation according to the request of the wireless communication terminal user.
帐户维护： 无线通信终端用户可以利用无线通信终端 ( 1 )通过无线 通信网络（3 )或者互联网络（2 )登陆到移动 4艮行***， 通过 4艮行业务 办理装置 （6 ) 的维护装置（8 )进行帐户维护， 包括用户名称、 登陆密 码、 通信地址、 联系方式、 绑定用户设置、 个性设置等可修改信息数据。  Account maintenance: The user of the wireless communication terminal can use the wireless communication terminal (1) to log in to the mobile mobile phone system through the wireless communication network (3) or the Internet (2), and through the maintenance device of the mobile phone service processing device (6) ( 8) Perform account maintenance, including user name, login password, communication address, contact information, binding user settings, personality settings, etc. to modify information data.
帐户维护修改请求信息由管理与控制装置 ( 5 )通过短信以及短信管 理装置（ 11 )被自动记录并生成操作请求短信， 然后管理与控制装置 ( 5 ) 将操作请求短信通过无线通信网络（ 3 )发送到对应的无线通信终端 ( 1 ) 和绑定无线通信终端 （如果设置短信发送到绑定无线通信终端）进行确 认。  The account maintenance and modification request information is automatically recorded by the management and control device (5) through the short message and the short message management device (11), and an operation request short message is generated, and then the management and control device (5) passes the operation request short message through the wireless communication network (3) Send to the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) for confirmation.
如果管理与控制装置（ 5 )收到对应的无线通信终端 （ 1 )和绑定无 线通信终端（如果设置短信发送到绑定无线通信终端）的有效肯定确认， 便进行更新数据库装置（18 )对应的帐户信息以及数据， 更新后结果被 短信以及短信管理***（11) 自动生成数据库更新记录短信并由管理与 控制装置（ 5 )通过无线通信网络（ 3 )发送给无线通信终端（ 1 )和绑定 无线通信终端 （如果设置短信发送到绑定无线通信终端）进行确认证实， 如果证实有效则数据库更新和维护成功， 否则取消操作并从备份数据库 装置（19)恢复更新。 If the management and control device (5) receives a valid positive confirmation of the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if a short message is set to be sent to the bound wireless communication terminal), it updates the database device (18). Account information and data, the results are updated The short message and short message management system (11) automatically generate a database update record short message and is sent by the management and control device (5) to the wireless communication terminal (1) through the wireless communication network (3) and the bound wireless communication terminal (if the short message is set to The wireless communication terminal is bound to perform confirmation. If the verification is valid, the database update and maintenance are successful. Otherwise, the operation is cancelled and the update is restored from the backup database device (19).
可选地， 无线通信终端用户 （1)也可以通过本地接入装置（17) 办 理帐户维护修改业务。  Optionally, the wireless communication terminal user (1) may also maintain and modify the service through the local access device (17) to manage the account.
可选地， 用户帐户维护过程中每步操作都会被短信以及短信管理装 置（11) 自动记录并被生成操作记录短信， 并且将操作记录短信和必须 回复的确认证实短信一并存储到相应的短信存储装置中， 以便确保帐户 的安全和将来用户查询之用。 此外， 也可根据据无线通信终端用户的请 求将生成的操作记录短信发送给无线通信终端用户进行确认。  Optionally, each operation in the user account maintenance process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together Storage device to ensure account security and future user queries. In addition, according to the request of the wireless communication terminal user, the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
信息查询： 无线通信终端用户可以利用无线通信终端 (1)通过无线 通信网络（ 3 )或者互联网络（ 2 )登陆到移动银行***， 通过银行业务 办理装置 （6) 的信息查询装置（9)进行移动 4艮行帐户信息、 交易记录 等信息查询。  Information query: The wireless communication terminal user can use the wireless communication terminal (1) to log in to the mobile banking system through the wireless communication network (3) or the Internet (2), and carry out the information query device (9) of the bank transaction processing device (6). Check mobile account information, transaction records and other information.
可选地， 无线通信终端用户也可以通过本地接入装置（17) 办理信 息查询业务。  Optionally, the user of the wireless communication terminal may also handle the information query service through the local access device (17).
银行内部交易： 为了安全目的， 移动银行规定交易双方应由资金转 出方主动发起交易请求， 首先由转出方利用无线通信终端 (1)通过无线 通信网络（3)或者通过互联网络（2)登陆到移动银行***， 通过银行 业务办理装置（6) 的交易装置（7)进行帐户转出操作， 通过填写请求 交易内容并确认无误后由管理与控制装置 ( 5 )进行查询数据库装置 ( 18 ) 对应的转出和转入帐户相关信息（帐户余额等） ， 并将查询结果以及请 求交易内容由短信以及短信管理装置（11) 自动生成短信并通过无线通 信网络（3)分别发送给相应帐户对应的无线通信终端 （1)和绑定无线 通信终端（如果设置短信发送到绑定无线通信终端）进行确认。  Intra-bank transactions: For security purposes, mobile banking requires that both parties to the transaction should initiate the transaction request by the transferee, and the transferor should first use the wireless communication terminal (1) through the wireless communication network (3) or through the Internet (2) Log in to the mobile banking system, perform the account transfer operation through the transaction device (7) of the bank business processing device (6), fill in the requested transaction content and confirm that it is correct, and then the management and control device (5) queries the database device (18) Corresponding transfer-in and transfer-out account related information (account balance, etc.), and the query results and requested transaction content are automatically generated by the SMS and SMS management device (11) and sent to the corresponding accounts respectively via the wireless communication network (3). The wireless communication terminal (1) and the bound wireless communication terminal (if sending a short message to the bound wireless communication terminal) for confirmation.
如果查询结果满***易请求要求并收到转出和转入帐户对应的无线 通信终端 (1)和绑定无线通信终端（如果设置短信发送到绑定无线通信 终端 )的有效肯定确认后，管理与控制装置 ( 5 )便会更新数据库装置 (18) 对应的转出转入帐户相关信息， 同时短信以及短信管理***（11)将自 动生成数据库更新记录短信分别发送给转出和转入帐户对应的无线通信 终端（ 1 )和绑定无线通信终端 (如果设置短信发送到绑定无线通信终端 ) 进行确认证实， 如果证实有效完成操作更新成功， 否则取消操作或者返 回上层操作并从备份数据库（ 19 )恢复更新。 If the query result meets the transaction request requirements and receives a valid positive confirmation from the wireless communication terminal (1) corresponding to the transfer-out and transfer-in account and the bound wireless communication terminal (if a short message is sent to the bound wireless communication terminal), the management and The control device (5) will update the relevant information of the transfer-in and transfer-in account corresponding to the database device (18), and at the same time, the short message and short message management system (11) will automatically generate database update records and send short messages to the corresponding transfer and transfer account respectively. Wireless communication The terminal (1) and the bound wireless communication terminal (if the short message is sent to the bound wireless communication terminal) are confirmed and confirmed, if the verification is valid, the operation is updated successfully, otherwise the operation is cancelled or returned to the upper layer operation and the update is restored from the backup database (19) .
可选地， 无线通信终端用户 （1 )也可以通过本地接入装置（17 )办 理行内交易业务。  Optionally, the wireless communication terminal user (1) may also perform in-bank transaction services through the local access device (17).
可选地， 银行内部交易过程中每步操作都会被短信以及短信管理装 置（11 ) 自动记录并被生成操作记录短信， 并且将操作记录短信和必须 回复的确认证实短信一并存储到相应的短信存储装置中， 以便确保帐户 的安全和将来用户查询之用， 此外， 也可根据据无线通信终端用户的请 求将生成的操作记录短信发送给无线通信终端用户进行确认。  Optionally, each operation in the bank's internal transaction process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together In the storage device, in order to ensure the security of the account and future user inquiries, in addition, according to the request of the wireless communication terminal user, the generated operation record short message can be sent to the wireless communication terminal user for confirmation.
跨银行交易 （资金转出）： 根据与外部银行签署协议， 凡是经由本 行帐户转出到外部签约银行帐户内的交易业务， 都由外部银行作为本行 一个特殊无线通信终端用户而设立的帐户 (专门为外部签约银行设立特 殊的无线通信终端用户帐户）代理受理转入交易业务， 交易方式同 4艮行 内部交易。  Cross-bank transactions (transfer of funds): According to the agreement signed with external banks, all transactions that are transferred out of the bank's account to external contracted bank accounts are set up by the external bank as a special wireless communication terminal user of the bank (Specially set up a special wireless communication terminal user account for the external contracted bank) The agent accepts the transfer transaction business, and the transaction method is the same as the internal transaction of the 4 bank.
可选地， 无线通信终端用户也可以通过本地接入装置（17 ) 办理跨 行交易 （转出）业务。  Optionally, the wireless communication terminal user may also handle the inter-bank transaction (transfer out) service through the local access device (17).
可选地， 跨银行交易 （资金转出）过程中每步操作都会被短信以及 短信管理***（11 ) 自动记录并被生成操作记录短信， 并且将操作记录 短信和必须回复的确认证实短信一并存储到相应的短信存储装置中， 以 便确保帐户的安全和将来用户查询之用。 此外， 也可根据据无线通信终 端用户的请求将生成的操作记录短信发送给无线通信终端用户进行确 认。  Optionally, each step in the inter-bank transaction (fund transfer) process will be automatically recorded by the short message and the short message management system (11) and an operation record short message will be generated, and the operation record short message and the confirmation confirmation message that must be responded together Stored in the corresponding short message storage device, in order to ensure the security of the account and future user inquiry. In addition, according to the request of the wireless communication terminal user, the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
根据签署协议可以以其它方式进行跨行交易 （转出）业务。  Interbank transactions (transfers) can be conducted in other ways under the signed agreement.
跨银行交易 （资金转入）： 根据与外部银行签署协议， 凡是经由外 部签约银行帐户转出到本行户帐户内的交易业务， 都由本行作为其行一 个特殊用户而设立的帐户 （专门为本行设立特殊的用户帐户）代理受理 转入交易业务， 当外部银行帐户资金需要转出到本行无线通信终端用户 银行帐户时， 须通过外部签约银行接入装置（20 )转入到为本行设立的 特殊帐户内， 然后由本行另行转入到指定用户帐户， 此后交易过程同银 行内部交易。  Cross-bank transactions (transfer of funds): According to an agreement signed with an external bank, all transactions that are transferred out of the bank's account via an external contracted bank account will be an account set up by the bank as a special user of the bank (specially for The Bank has set up a special user account.) The agent accepts transfer transactions. When external bank account funds need to be transferred to the bank ’s wireless communication terminal user bank account, it must be transferred to the bank through an external contracted bank access device (20). The special account set up by the bank is then transferred to the designated user account separately by the bank. Thereafter, the transaction process is the same as the internal transaction of the bank.
可选地， 跨银行交易 （资金转入）过程中每步操作都会被短信以及 短信管理装置（11 ) 自动记录并被生成操作记录短信， 并且将操作记录 短信和必须回复的确人证实短信一并存储到相应的短信存储装置中， 以 便确保帐户的安全和将来用户查询之用。 此外， 也可根据据无线通信终 端用户的请求将生成的操作记录短信发送给无线通信终端用户进行确认 根据签署协议可以以其它方式进行跨行交易 （转入）业务。 Optionally, each step in the inter-bank transaction (fund transfer) process will be texted and The short message management device (11) automatically records and generates an operation record short message, and stores the operation record short message and the authentic confirmation message that must be responded to the corresponding short message storage device, so as to ensure account security and future user inquiry. In addition, according to the request of the wireless communication terminal user, the generated operation record short message can also be sent to the wireless communication terminal user for confirmation. According to the signed agreement, the inter-bank transaction (transfer) service can be performed in other ways.
银行帐户兌现和存现： 无线通信终端用户可通过本地接入装置 ( 17 ) 办理兌现和存现业务。  Bank account cashing and depositing: Wireless communication terminal users can handle cashing and depositing services through local access devices (17).
可选地， 无线通信终端用户可以通过预付一定金额的无线通信费用 来进行其个人移动银行帐户的存现。 这可以通过例如但不限于移动手机 用户通过购买一定面额的充值卡、 无线上网用户通过购买一定面额的上 网卡等方式来进行其个人移动银行帐户的存现。 另外， 如果无线通信终 端用户在与本发明的移动银行***签约的外部银行中也建立了帐户， 那 么无线通信终端用户当然也可以通过上述的跨银行交易 （资金转出） 向 其注册的网上银行帐户中转入資金。  Optionally, the wireless communication terminal user can prepay a certain amount of wireless communication fees to carry out the deposit and withdrawal of his personal mobile bank account. This can be achieved by, for example, but not limited to, the purchase of a prepaid card of a certain denomination by a mobile phone user, and the purchase of an online card of a certain denomination by a wireless Internet user, etc. In addition, if the wireless communication terminal user has also established an account in an external bank contracted with the mobile banking system of the present invention, then the wireless communication terminal user can of course also register with the online bank registered with him through the above-mentioned cross-bank transaction (fund transfer) Transfer funds into your account.
虽然上述通过举例的方式介绍几种无线通信终端用户可以向其移动 银行帐户存入资金的方法， 但是本领域的技术人员可以很容易地想到其 它向移动 4艮行帐户存入资金的方法， 本发明并不限于以上提出的方法。  Although the foregoing describes several methods by which wireless communication terminal users can deposit funds into their mobile bank accounts, those skilled in the art can easily think of other methods of depositing funds into mobile bank accounts. The invention is not limited to the method proposed above.
虽然上述以举例的方式描述了无线通信终端用户可以进行的各种操 作， 但是本发明并不限于上述的这些操作， 很显然， 无线通信终端用户 还可以使用与上述实施例相同或相类似的方法通过本发明的移动银行系 统进行其它各种银行业务。 可以由硬件， '元件或 件和软件的结合来实现而并 限^ 某一特定的 形式。  Although various operations that can be performed by the user of the wireless communication terminal are described above by way of example, the present invention is not limited to the operations described above. Obviously, the user of the wireless communication terminal can also use the same or similar method as the above embodiment. Various other banking services are carried out through the mobile banking system of the present invention. It can be implemented by hardware, 'elements or a combination of components and software and is not limited to a specific form.
如上参照附图描述了本发明， 但是本领域的技术人员可以作出各种 不同的变化和修改而不背离本发明的精神。 例如， 根据本发明， 可以将 商场， 收费站等实体纳入 ■据本发明的移动银行的无线通信终端用户， 这样就可以使无线通信终端用户 （例如但不限于移动电话用户或者互联 网用户）容易地通过移动 4艮行***与诸如商场和收费站的无线通信终端 用户之间进行交易和转帐， 从而大大节省了不必要的人力和物力上的浪 费并且提高了效率。  The present invention has been described above with reference to the accompanying drawings, but those skilled in the art can make various changes and modifications without departing from the spirit of the present invention. For example, according to the present invention, entities such as shopping malls, toll stations, etc. may be included in the wireless communication terminal users of the mobile bank according to the present invention, so that wireless communication terminal users (such as, but not limited to, mobile phone users or Internet users) can be easily By performing transactions and transfers between the mobile communication system and wireless communication terminal users such as shopping malls and toll stations, unnecessary waste of human and material resources is greatly saved and efficiency is improved.

Claims

权 利 要 求 Rights request
1. 一种移动银行***， 无线通信终端用户可以利用无线通信终端、 通过互联网络（ 2 )或者无线通信网絡（ 3 )登录到该移动银行***办理 各种 4艮行业务， 该移动银行***包括： 1. A mobile banking system, in which a wireless communication terminal user can use the wireless communication terminal to log in to the mobile banking system through the Internet (2) or the wireless communication network (3) to handle various banking services. The mobile banking system includes :
用户帐户管理装置（ 4 ) , 用于对无线通信终端用户的帐户进行管理； 1行业务办理装置（6 ) , 用于为无线通信终端用户办理现有 4艮行系 统所能办理的各种银行业务；  User account management device (4) for managing accounts of wireless communication terminal users; 1-line service processing device (6), for wireless communication terminal users to handle various banks that can be handled by the existing 4 bank system Business
数据库装置（18 ) , 存储移动银行***的用户信息和各种银行业务 记录； 以及  A database device (18) for storing user information and various banking records of the mobile banking system; and
管理与控制装置（5 ) ， 用于集中控制与管理整个移动 4艮行***的操 作，  A management and control device (5) for centralized control and management of the operation of the entire mobile system;
其特征在于， 该移动银行***还包括短信及短信管理装置（11 ) , 用于对无线通信终端用户移动银行帐户的各种业务操作进行监控并自动 生成相应的操作请求确认短信或者操作结果确认短信， 通过无线通信网 络将所述生成的短信发送给无线通信终端用户和绑定用户进行确认证 实， 如果收到无线通信终端用户和绑定用户的有效肯定确认， 则完成该 无线通信终端用户所请求的各种操作， 否则取消所述操作， 其中所述无 线通信终端用户的移动 4艮行帐号为其无线通信终端的通信号码。  It is characterized in that the mobile banking system further includes a short message and short message management device (11) for monitoring various business operations of the mobile communication terminal user's mobile bank account and automatically generating corresponding operation request confirmation short messages or operation result confirmation short messages. Sending the generated short message to the wireless communication terminal user and the bound user through a wireless communication network for confirmation and confirmation, and if a valid positive confirmation is received from the wireless communication terminal user and the bound user, completing the request of the wireless communication terminal user Otherwise, the operation is cancelled, wherein the mobile account of the wireless communication terminal user is the communication number of the wireless communication terminal.
2. 根据权利要求 1的移动银行***， 还包括本地接入装置（17 ) , 无线通信终端用户可以通过该本地接入装置（17 )直接办理其在移动银 行***的各种银行业务。  2. The mobile banking system according to claim 1, further comprising a local access device (17), through which the wireless communication terminal user can directly handle various banking services in the mobile banking system.
3. 根据权利要求 1的移动银行***， 还包括外部签约银行接入装置 ( 20 ) , 移动银行***可以根据无线通信终端用户的请求， 通过该外部 签约银行接入装置（20 )办理该用户所提供的该外部签约银行的帐户和 移动银行帐户之间的各种跨行交易。  3. The mobile banking system according to claim 1, further comprising an external contracted bank access device (20), and the mobile banking system can process the user's account through the external contracted bank access device (20) according to a request of the wireless communication terminal user. Various cross-bank transactions provided between the account of the external contract bank and the mobile bank account.
4. 根据权利要求 1的移动银行***， 其中短信及短信管理***（11 ) 还包括短信存储装覃（12、 13、 14, 15、 16 ) ， 用于存储所生成的操作 记录短信和请求用户确认短倌以便用户进行查询和核对。  4. The mobile banking system according to claim 1, wherein the short message and short message management system (11) further comprises a short message storage device (12, 13, 14, 15, 16) for storing the generated operation record short message and requesting the user Confirm the short note for users to query and check.
5. 根据权利要求 1 的移动银行***， 还包括一个备份数据库装置 ( 19 ) ， 用于为数据库装置（18 )提供数据恢复和备份功能。  5. The mobile banking system according to claim 1, further comprising a backup database device (19) for providing data recovery and backup functions for the database device (18).
6. 根据权利要求 1 - 5 的任何一个所述的移动 4艮行***， 其中无线 通信终端可以是无线通信手机或者无线上网设备。 6. The mobile system according to any one of claims 1 to 5, wherein the wireless The communication terminal may be a wireless communication mobile phone or a wireless Internet access device.
7. 一种短信及短信管理装置， 用于响应无线通信终端用户要求的对 其网络帐号进行的操作请求自动生成操作请求确认短信和为对无线通信 终端用户的网络帐号所进行的所有操作自动生成操作记录短信， 并且通 过无线通信网络将所述生成的短信发送给无线通信终端用户和绑定用户 进行确认， 如果收到无线通信终端用户的有效肯定确认， 则完成该无线 通信终端用户所请求的各种操作， 否则取消所述操作。  7. A short message and short message management device, which is used to automatically generate an operation request confirmation short message and all operations performed on a wireless communication terminal user's network account in response to a wireless communication terminal user's operation request for its network account The operation records the short message, and sends the generated short message to the wireless communication terminal user and the bound user for confirmation through the wireless communication network. If a valid positive confirmation is received from the wireless communication terminal user, the request requested by the wireless communication terminal user is completed. Various operations, otherwise cancel the operation.
8. 如权利要求 7所述的短信及短信管理装置， 其中所述无线通信终 端用户的网絡帐号可以是所述无线通信终端的通信号码。  8. The short message and short message management device according to claim 7, wherein the network account of the wireless communication terminal user is a communication number of the wireless communication terminal.
PCT/CN2005/000200 2004-02-26 2005-02-18 A mobile bank system WO2005083600A1 (en)

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