CN101146242A - SMS confirmation telecommunication method for bank check encashing - Google Patents
SMS confirmation telecommunication method for bank check encashing Download PDFInfo
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- CN101146242A CN101146242A CNA2006100625357A CN200610062535A CN101146242A CN 101146242 A CN101146242 A CN 101146242A CN A2006100625357 A CNA2006100625357 A CN A2006100625357A CN 200610062535 A CN200610062535 A CN 200610062535A CN 101146242 A CN101146242 A CN 101146242A
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Abstract
A telecommunication method is provided for the SMS confirmation of cashing a bank check. The method comprises the step of SMS reply as confirmation, wherein a user utilizes a mobile phone (3) of his own to reply the original SMS in the intact state to confirm the check crashing. The user knows that the confirmation SMS is sent by a credit card center (11), a bank (12) and the like via the caller number. A SMS confirmation processor (2) verifies that the SMS is sent by the mobile phone (3) of the user via the caller number of the SMS. The invention realizes the automation of verbal confirmation, reduces the labor intensity and operational costs, increases the bank efficiency of processing bank checks with large amount, and is more rapid and reliable than the call confirmation from a check drawer.
Description
[technical field]
The present invention relates to computer and communication technique field, particularly the computer of banking and mechanics of communication.
[background technology]
Current general bank is when cashing a large sum of money cash on bank, can at first check the surplus of check account and the signature on the check, and check bearer's identity card, after complete check is errorless, the bank clerk can dial to the drawer, notify he now the someone hold this check and just require to cash in the cabinet position, and tell the drawer with data such as bearer's name and cheque sums, after requiring the oral once more affirmation of drawer, just cash this check.If dialing, bank can not find the drawer, bank still can give bearer's cashing check, this oral confirmation method is just as a kind of auxiliary security measures, give the drawer before cash a check, confirm once to leave this check and give the bearer, if the drawer is with suspicion, wrong or the bearer's data of this check or cheque sum of for example not leaving does not conform to, can tell the bank clerk immediately, not cash this check, even can require bank clerk's processing of reporting to the police.
Thisly dial to drawer's method of oral affirmation once more by the bank clerk, whole process mainly is to use manual method, require cashing check by the bearer to bank's confirmation to the cabinet position, cash is cashed to the bearer, generally needed do not wait to ten several minutes in several minutes, and caused bank to handle the cost of a big amount of money cash on bank like this, the check that a transfer transfers accounts is high more than several times than handling, and can waste bearer's time, be very inefficent method.
Except the cashing of a large sum of money cash on bank, when using credit card to do the transaction of a large sum of money payment, credit card center office worker also can dial main to card, please his this transaction of oral affirmation, confirm that successfully Trading Authorization just can be sent in credit card center, back, swipe the card when disappearing as a large sum of money when card is main like this, often will wait for several minutes to more than ten minutes and just can finish and swipe the card that this can give, and card is main to bring inconvenience.
[summary of the invention]
Therefore, purpose of the present invention is to provide a kind of succinct, and fast, the communication confirmation method is confirmed the payment of money easily.
The object of the present invention is achieved like this, the SMS confirmation telecommunication method that adopts that a kind of like this banker's check is cashed etc., in the described method, employing comprises that message reply is as the step of confirming, wherein, the user uses the mobile phone (3) of oneself to reply intact original note as the step of confirming to agree payment.
In the described method, comprise that the user uses the mobile phone (3) of oneself, know that from the caller ID of note the information of this affirmation note is to send from account computer system (1) or from the relevant SMS confirmation processing unit (2) of account computer system (1), and,
SMS confirmation processing unit (2) is according to the caller ID of note, and verifying and confirming note is the step of being sent from user mobile phone (3).
Just, the invention provides a kind of method of utilizing SMS to confirm, the advantage of method of the present invention is, can be with this process automation of oral affirmation once more, can effectively improve the efficient that bank handles a large sum of money cash on bank, and can save staff, and lower operation costs, faster more reliable than dialing to the method for drawer's inquiry with staff.
[description of drawings]
This specification comprises following accompanying drawing,
Fig. 1 is the key diagram of the main composition of system related in the method for the present invention and technical method.
Fig. 2 is the key diagram that the credit card a large sum of money adopts method of the present invention when swiping the card.
Fig. 3 is public organizations' key diagrams of embodiment of paying dues of transferring accounts automatically.
Fig. 4 is the key diagram of the embodiment of a large sum of money cash on bank when cashing.
Fig. 5 is the key diagram of the embodiment that pays dues of transferring accounts automatically of paying by instalments.
Fig. 6 is the key diagram of the embodiment of personal credit data bank inquiry.
[embodiment]
Below in conjunction with accompanying drawing, the present invention is described in further detail.In the accompanying drawing, the identical identical or similar system of numerical chracter representative, device, or parts.
Consult Fig. 1, Fig. 1 shows the system that relates generally in the system and method step of the present invention, device, device, parts, means of communication.
System of the present invention can be called the SMS confirmation system, this SMS confirmation system is mainly by account computer system (1), SMS confirmation processing unit (2), user mobile phone (3), mobile telephone network and note are formed, want simultaneously registered user's mobile phone (3) telephone number, and mobile phone (3) telephone number and user's account number is stored in the SMS confirmation processing unit (2).
Account computer system (1) is the account computer system (1) of current general bank, or the account computer system (1) of credit card center (11), will increase the relevant formula of the SMS confirmation of process user in system, is used for handling relevant SMS confirmation work.
SMS confirmation processing unit (2) is a computer system that is provided with communication apparatus, and communication apparatus is mainly used to receive and dispatch note, and communication apparatus can for example be a mobile phone, or the networking telephone, or other can receive and dispatch the equipment of note.Store the corresponding data of user's account number and mobile phone (3) telephone number in the SMS confirmation processing unit (2), when SMS confirmation processing unit (2) is received the transaction data that account computer system (1) is sent, user account number in data finds corresponding user mobile phone (3) telephone number, to confirm that immediately the request data sends to user mobile phone (3) with note, please the user with the intact SMS confirmation processing unit (2) that sends back to of note, after SMS confirmation processing unit (2) is received user's answer short message, just can find user's mobile phone (3) telephone number and user's account number from the caller ID of note, this short message content and the note of issuing the user before made comparisons check, represent that when both are identical the user agrees to confirm, both have any difference to represent that the user disagrees with affirmation, check both and just send the affirmation return information to account computer system (1) after identical, this is a key character among the present invention.
User mobile phone (3) can be general mobile phone (3), smart mobile phone (3) or PDA mobile phone (3) etc., be used for receiving and reply and confirm note, user's affirmation operation for convenience, can in user mobile phone (3), install the affirmation formula additional, after the note confirmation request of receiving account computer system (1), the user is as long as the key table of going up by an appointment at user mobile phone (3) shows affirmation, and formula can will be confirmed the intact account computer system (1) that replies to of note automatically by predefined program; Perhaps the key table by an appointment shows opposition, and formula can will be confirmed to reply to account computer system (1) after the short message content change automatically by predefined program; The user is as long as by a key, just can finish the operation of whole affirmation or opposition like this, and this is an important technology feature among the present invention.
Mobile telephone network is general mobile phone communication network, and for example networks such as GSM, CDMA, 3G are used for transmitting the affirmation note in the present invention.
Note, main means as method of the present invention, issue the note of user mobile phone (3) from account computer system (1), content contains the user confirms required information, for example credit card center (11) short message content of sending includes credit card number, the amount of money of swiping the card, consumption firm name etc., checks for the client; For example be again that the short message content that the account computer system (1) of bank (12) is sent includes checking account number, cheque number, the amount of money, bearer's name etc., check for the client.After user's confirmation, if agree to confirm, just with the intact bank (12) that replies to of note, as confirming this transaction of payment.
System of the present invention also can relate to the payment of swiping the card, other device parts of some of paying by check etc.
Consult Fig. 2, Fig. 2 is that method of the present invention is when using credit card to swipe the card as a large sum of money, adopt following A group step, wherein, account computer system (1) is the account computer system (1) or the associated bank account computer system (1) at credit card center (11), SMS confirmation processing unit (2) also is included in the computer and communication system at credit card center (11), therefore all be drawn in the frame of broken lines at credit card center (11), and the POS machine in receipts card vendor shop and user's credit card etc. do not draw, because do not influence the understanding to method step of the present invention.
A group step is specific as follows:
A1. when using credit card to swipe the card payment as a large sum of money, the POS machine of receiving the card vendor shop will block main name, credit card number, the amount of money, shop number of the account etc. and swipe the card data transmission to the account computer system (1) of credit card center (11),
A2. the account computer system (1) of credit card center (11) data of will swiping the card, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from credit card number, the data of swiping the card is sent to user's mobile phone (3) by short message mode
A3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from credit card center (11), see credit card number, the amount of money of swiping the card, receive data such as card vendor's trade name claims, date charge time from short message content, agree after the confirmation to pay, agree to confirm this transaction just with the intact credit card center (11) that replies to of note; Do not confirm not reply if just disagree with, perhaps will reply to credit card center (11) after the short message content change, this transaction of affirmation is disagreed with in expression, if the user does not receive the request confirmation with card, the someone that expresses possibility usurps his credit card, can send a telegraph credit card center (11) immediately, perhaps report to the police and handle
A4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees this transaction, and SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1); If credit card center (11) can not receive the note that the user replys at the appointed time, or receive user's short message content and the short message content that sends before and inequality, represent that the user disagrees with and cash this check that credit card center (11) will refuse this transaction,
A5. the affirmation successful information that will receive of the account computer system (1) of credit card center (11) is checked, and checks user's data such as account line of credit, after complete check is errorless, sends Trading Authorization to the POS in shop machine,
A6. the account computer system (1) at credit card center (11) sent the up-to-date surplus of credit card to short message mode user's mobile phone (3) by SMS confirmation processing unit (2) after transaction was finished.
Issue in the note of user mobile phone (3) at above-mentioned steps A2, credit card center (11) can add a random number or word string information at random at short message content, in steps A 4, check this random number or word string information at random again, like this can be further with the fail safe of the A group step of strengthening the inventive method.
Consult Fig. 3, Fig. 3 is a method of the present invention at transfer accounts automatically embodiment step key diagram when paying dues of public organizations' account computer systems (4).So-called public organizations' account computer systems (4) here refer to collect charges for electricity account computer system (4) or the like of Gas Company of the account computer system (4) of mechanism, the account computer system (4) of receiving the water supply company of water rate, intake gas charge, also comprise the account computer system (4) of the telephone operator of for example receiving telephone charges, management company's account computer system (4) of receipts rent control expense, receive school's account computer system (4) of tuition fee etc., also abbreviate account computer system (4) as, all refer to above content.
Relatively, the data information of paying dues and pay dues is all sent in the bank computer system (12), also is called for short in the bank (12), and similarly, in this example, bank (12) has comprised account computer system (1) and its SMS confirmation processing unit (2).
The concrete B group step that adopts is described as follows:
B1. expire to pay dues the time when Inst bill, comprise the electricity charge, water rate, gas charge, telephone charges, rent, administration fee, tuition fee etc., the Inst account computer system (4) of this charge is given bank (12) with the user at data transmissions such as the account number of this mechanism, bank account number, the amount of money of transferring accounts, requirement is transferred accounts in user's the bank account and is paid the fees
B2. the account computer system (1) of bank (12) with the user in data such as this Inst account number, bank account number, the amount of money of transferring accounts, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the bank account number, with the user in data such as this Inst account number, bank account number, the amount of money of transferring accounts, send user's mobile phone (3) to by short message mode
B3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see that from short message content the user is in data such as this Inst account number, bank account number, the amount of money of transferring accounts, agreeing after the confirmation transfers accounts just pays dues immediately with original short message content, the intact bank (12) that replies to, agreeing confirms to transfer accounts pays dues; If disagree with and just do not confirm not reply, perhaps will reply to bank (12) after the short message content change, expression is disagreed with that confirming transfers accounts and is paid dues, and makes mistakes if the user suspects bill, can after disagree with, answer get in touch with these public organizations immediately and check bill,
B4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees that this pen is transferred accounts and pays dues that SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1); If bank (12) can not receive the note that the user replys at the appointed time, or bank (12) receives user's the note of disagreeing with, the expression user disagrees with that this pen is transferred accounts and pay dues that bank (12) will refuse this pen and transfer accounts,
B5. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and check user's data such as account balance, after complete check is errorless, from changeing money in user's the bank account in this Inst account, and this Inst account computer system (4) money of notice has been received appropriate
B6. transfer accounts and pay dues the account computer system (1) of back bank (12) by SMS confirmation processing unit (2), send the up-to-date surplus of user's bank account to user with short message mode.
Issue in the note of user mobile phone (3) at above-mentioned steps B2, bank (12) can add a random number or word string information at random at short message content, in step B4, check this random number or word string information at random again, like this can be further to strengthen the fail safe of the inventive method.This example be applicable to each the size Inst transferring accounts automatically pay the fees, comprise the electricity charge, water rate, gas charge, telephone charges, rent, administration fee, tuition fee etc.
Consult Fig. 4, Fig. 4 be method of the present invention before bank (12) sales counter, the key diagram of the C that when a large sum of money cash a check, adopts group step, partly no longer repeat specification of the bank identical (12) with Fig. 3.
C group step specifies as follows:
C1. when the bearer holds check and requires to cash to bank (12) cabinet position, the cabinet position office worker of bank (12) check check signature, the amount of money, date, bearer's name errorless after, by the computer terminal on the cabinet position, data such as input checking account number, cheque number, the amount of money, bearer's name are to the account computer system (1) of bank (12)
C2. the account computer system (1) of bank (12) is with data such as checking account number, cheque number, the amount of money, bearer's names, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the checking account number, with data such as cheque number, the amount of money, bearer's names, send user's mobile phone (3) to by short message mode
C3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see data such as cheque number, the amount of money, bearer's name from short message content, agree after the confirmation just to cash immediately with original short message content, the intact bank (12) that replies to agrees to confirm to cash this check; If just disagree with and do not confirm, and will reply to bank (12) after the short message content change, and represent to disagree with and confirm to cash this check; If the user does not reply at the appointed time, the expression user has no objection to cashing of this check, neither confirm also not oppose, bank (12) will be by predefined routine processes, bank (12) can not receive under user's the affirmation note, with this cash a check, or bank (12) is under the situation of the affirmation note that can not receive the user, refusal is cashed this check, and these can need determine to adopt that a kind of method by it by bank (12), if his check of suspection was usurped by the people after the user received note, can be after answer be disagreed with, send a telegraph bank (12) immediately, require bank (12) to report to the police and handle
C4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees to cash this check, SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1), if user's the note of disagreeing with is received by bank (12), the expression user disagrees with and cashes this check, this check will be refused to cash by bank (12)
C5. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and check user's data such as account balance, after complete check is errorless, by the computer terminal on the cabinet position, send to cabinet position office worker and can cash indication, the indication cabinet position office worker of bank (12) cashes bearer's a large sum of money cash on bank
C6. the account computer system (1) of bank (12) sends the up-to-date surplus of checking account to user with short message mode by SMS confirmation processing unit (2) after the cash a check.
Issue in the note of user mobile phone (3) at above-mentioned steps C2, bank (12) can add a random number or word string information at random at short message content, in step C4, check this random number or word string information at random again, like this can be further to strengthen the fail safe of the inventive method.This example also can be used for the payment services of other bank account except can be used for checking account, for example savings account is withdrawn deposit, fixed deposit renews etc.
Method of the present invention can be accelerated the operating time that a large sum of money check is cashed by bank, generally need only tens seconds to half a minute, just can finish whole SMS confirmation program, this SMS confirmation program required time is generally also short than banknote institute's time spent that the counter clerk counts the cash a check amount of money, so the counter clerk of bank (12) is as long as at input checking account number, cheque number, the amount of money, after the data such as bearer's name, can begin to count the banknote of the cash a check amount of money immediately, when finishing banknote and count, the account computer system (1) of bank (12) is received drawer's affirmation information already, and the counter clerk just can give the bearer with banknote immediately.
Consult Fig. 5, to be method of the present invention in monthly payment plan transfer accounts Fig. 5 automatically adopts the key diagram of D group step when paying dues, and Ben Tu is identical with Fig. 4 form, and is identical among the related content of bank (12) and Fig. 3 and Fig. 4, no longer repetition.
The D group step that adopts specifies as follows:
D1. transferring accounts automatically when monthly payment plan and expiring to pay dues the time, the account computer system (1) of bank (12) is with data such as user's monthly payment plan demand note, bank account number, the amount of money of transferring accounts, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the bank account number, with data such as user's monthly payment plan bill title, bank account number, the amount of money of transferring accounts, send user's mobile phone (3) to by short message mode
D2. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see data such as monthly payment plan demand note, bank account number, the amount of money of transferring accounts from short message content, agreeing after the confirmation transfers accounts just pays dues immediately with original short message content, the intact bank (12) that replies to, agreeing confirms to transfer accounts pays dues; Do not confirm not reply if just disagree with, perhaps will reply to bank (12) after the short message content change, expression is disagreed with that this pen is transferred accounts and is paid dues, if having finished whole monthly payment plan before the user pays dues, also receive the monthly payment plan demand note, the expression bill may be made mistakes, can be after answer is disagreed with, get in touch with bank (12) immediately and check bill
D3. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees that this pen is transferred accounts and pays dues, SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1), if bank (12) can not receive the note that the user replys at the appointed time, or receive user's the note of disagreeing with, the expression user disagrees with that this pen is transferred accounts and pays dues, bank (12) transfers accounts with regard to not carrying out this pen
D4. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and checks user's data such as account balance, and after complete check is errorless, changes money in user's the bank account and pay the monthly payment plan of this phase,
D5. transfer accounts and pay dues the account computer system (1) of back bank (12) by SMS confirmation processing unit (2), the up-to-date surplus of user's bank account is sent to user's mobile phone (3) with short message mode.
Issue in the note of user mobile phone (3) at above-mentioned steps D1, bank (12) can add a random number or word string information at random at short message content, in step D3, check this random number or word string information at random again, like this can be further to strengthen the fail safe of the inventive method.
Consult Fig. 6, Fig. 6 is the embodiment key diagram of method of the present invention when the personal credit data bank is inquired about, and the method scope of application of the present invention is extensive, comprises that the inquiry of this personal credit data bank all is suitable for.What specifically adopt is following E group step:
E1. as the people during to the personal credit data of credit institution (13) inquiring user, the inquiry imports the personal credit document library system (1) of data such as user's account number, the project of being inquired about, inquiry's name to credit institution (13),
E2. personal credit document library system (1) is with data such as user's account number, the project of being inquired about, inquiry's names, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from user's account number, with data such as user's account number, the project of being inquired about, inquiry's names, send user's mobile phone (3) to by short message mode
E3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from personal credit document library system (1), see data such as user's account number, the project of being inquired about, inquiry's name from short message content, agree after the confirmation to inquire about own personal credit data with regard to immediately with original short message content to the inquiry, the intact personal credit document library system (1) that replies to agrees to confirm this inquiry; If just disagree with and do not confirm not reply, perhaps will reply to credit institution (13) after the short message content change, this inquiry is disagreed with in expression,
E4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the electric number of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees to confirm this inquiry, SMS confirmation processing unit (2) sends the affirmation successful information to personal credit document library system (1), if personal credit document library system (1) can not receive the note that the user replys at the appointed time, or receive user's the note of disagreeing with, the expression user disagrees with this inquiry, personal credit document library system (1) will be refused this inquiry
E5. after the affirmation successful information that personal credit document library system (1) is received, relevant credit information is offered the inquiry,
E6. inquiry is finished back personal credit document library system (1) and is passed through SMS confirmation processing unit (2), and the brief points that will offer inquiry's credit information with short message mode send user's mobile phone (3) to.
Issue in the note of user mobile phone (3) at above-mentioned steps E2, personal credit document library system (1) can add a random number or word string information at random at short message content, in step e 4, check this random number or word string information at random again, like this can be further to strengthen the fail safe of the inventive method.
Five above examples, use credit card a large sum of money bankcard consumption respectively, public organizations transfer accounts automatically and pay dues, bank's a large sum of money cash a check, monthly payment plan is transferred accounts automatically and is paid dues, the confirmation method of personal credit data bank inquiry etc., as case illustrated of the present invention, the present invention can also be used for other business that need confirm, for example can be used for confirming that check transfers accounts, transfer accounts between Confirm Bank's account or pay, confirm that various transferring accounts automatically pay all kinds of expenses, confirm that being stuck in ATM with withdrawing the money withdraws the money or transfer accounts, confirm the label account payment of credit card, confirm the payment of debit card, confirm to buy insurance etc., can also be used to confirming the payment transfer of various bills, the payment of letter of credit etc.
Enforcement of the present invention can bring good social benefit and economic benefit.
Claims (9)
1. the SMS confirmation telecommunication method cashed etc. of a banker's check in the described method, adopts to comprise message reply as the step of confirming, wherein, the user uses own mobile phone (3) to reply intact original note as the step of confirming to agree to pay.
2. SMS confirmation telecommunication method as claimed in claim 1, in the described method, comprise that the user uses the mobile phone (3) of oneself, know that from the caller ID of note the information of this affirmation note is to send from account computer system (1) or from the relevant SMS confirmation processing unit (2) of account computer system (1), and, SMS confirmation processing unit (2) is according to the caller ID of note, and verifying and confirming note is the step of being sent from user mobile phone (3).
3. SMS confirmation telecommunication method as claimed in claim 1 or 2 in the described method, is included in as having installed additional in the user mobile phone (3) of confirming instrument and only just finishes the formula of confirming payment or not confirming to pay by a key.
4. as claim 1 or 2 or 3 described SMS confirmation telecommunication methods, when using credit card to swipe the card, come with following A group step as a large sum of money:
A1. when using credit card to swipe the card payment as a large sum of money, the POS machine of receiving the card vendor shop will block main name, credit card number, the amount of money, shop number of the account etc. and swipe the card data transmission to the account computer system (1) of credit card center (11),
A2. the account computer system (1) of credit card center (11) data of will swiping the card, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from credit card number, the data of swiping the card is sent to user's mobile phone (3) by short message mode
A3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from credit card center (11), see credit card number, the amount of money of swiping the card, receive data such as card vendor's trade name claims, date charge time from short message content, agree after the confirmation to pay, agree to confirm this transaction just with the intact credit card center (11) that replies to of note; Do not confirm not reply if just disagree with, perhaps will reply to credit card center (11) after the short message content change, this transaction of affirmation is disagreed with in expression, if the user does not receive the request confirmation with card, the someone that expresses possibility usurps his credit card, can send a telegraph credit card center (11) immediately, perhaps report to the police and handle
A4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees this transaction, and SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1); If credit card center (11) can not receive the note that the user replys at the appointed time, or receive user's short message content and the short message content that sends before and inequality, represent that the user disagrees with and cash this check that credit card center (11) will refuse this transaction,
A5. the affirmation successful information that will receive of the account computer system (1) of credit card center (11) is checked, and checks user's data such as account line of credit, after complete check is errorless, sends Trading Authorization to the POS in shop machine,
A6. the account computer system (1) at credit card center (11) sent the up-to-date surplus of credit card to short message mode user's mobile phone (3) by SMS confirmation processing unit (2) after transaction was finished.
5. as claim 1 or 2 or 3 described SMS confirmation telecommunication methods, transfer accounts automatically when paying dues in public organizations, adopt following B group step:
B1. expire to pay dues the time when Inst bill, comprise the electricity charge, water rate, gas charge, telephone charges, rent, administration fee, tuition fee etc., the Inst account computer system (4) of this charge is given bank (12) with the user at data transmissions such as the account number of this mechanism, bank account number, the amount of money of transferring accounts, requirement is transferred accounts in user's the bank account and is paid the fees
B2. the account computer system (1) of bank (12) with the user in data such as this Inst account number, bank account number, the amount of money of transferring accounts, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the bank account number, with the user in data such as this Inst account number, bank account number, the amount of money of transferring accounts, send user's mobile phone (3) to by short message mode
B3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see that from short message content the user is in data such as this Inst account number, bank account number, the amount of money of transferring accounts, agreeing after the confirmation transfers accounts just pays dues immediately with original short message content, the intact bank (12) that replies to, agreeing confirms to transfer accounts pays dues; If disagree with and just do not confirm not reply, perhaps will reply to bank (12) after the short message content change, expression is disagreed with that confirming transfers accounts and is paid dues, and makes mistakes if the user suspects bill, can after disagree with, answer get in touch with these public organizations immediately and check bill,
B4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees that this pen is transferred accounts and pays dues that SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1); If bank (12) can not receive the note that the user replys at the appointed time, or bank (12) receives user's the note of disagreeing with, the expression user disagrees with that this pen is transferred accounts and pay dues that bank (12) will refuse this pen and transfer accounts,
B5. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and check user's data such as account balance, after complete check is errorless, from changeing money in user's the bank account in this Inst account, and this Inst account computer system (4) money of notice has been received appropriate
B6. transfer accounts and pay dues the account computer system (1) of back bank (12) by SMS confirmation processing unit (2), send the up-to-date surplus of user's bank account to user with short message mode.
6. as claim 1 or 2 or 3 described SMS confirmation telecommunication methods, when a large sum of money cash a check, adopt following C group step:
C1. when the bearer holds check and requires to cash to bank (12) cabinet position, the cabinet position office worker of bank (12) check check signature, the amount of money, date, bearer's name errorless after, by the computer terminal on the cabinet position, data such as input checking account number, cheque number, the amount of money, bearer's name are to the account computer system (1) of bank (12)
C2. the account computer system (1) of bank (12) is with data such as checking account number, cheque number, the amount of money, bearer's names, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the checking account number, with data such as cheque number, the amount of money, bearer's names, send user's mobile phone (3) to by short message mode
C3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see data such as cheque number, the amount of money, bearer's name from short message content, agree after the confirmation just to cash immediately with original short message content, the intact bank (12) that replies to agrees to confirm to cash this check; If just disagree with and do not confirm, and will reply to bank (12) after the short message content change, and represent to disagree with and confirm to cash this check; If the user does not reply at the appointed time, the expression user has no objection to cashing of this check, neither confirm also not oppose, bank (12) will be by predefined routine processes, bank (12) can not receive under user's the affirmation note, with this cash a check, or bank (12) is under the situation of the affirmation note that can not receive the user, refusal is cashed this check, and these can need determine to adopt that a kind of method by it by bank (12), if his check of suspection was usurped by the people after the user received note, can be after answer be disagreed with, send a telegraph bank (12) immediately, require bank (12) to report to the police and handle
C4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees to cash this check, SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1), if user's the note of disagreeing with is received by bank (12), the expression user disagrees with and cashes this check, this check will be refused to cash by bank (12)
C5. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and check user's data such as account balance, after complete check is errorless, by the computer terminal on the cabinet position, send to cabinet position office worker and can cash indication, the indication cabinet position office worker of bank (12) cashes bearer's a large sum of money cash on bank
C6. the account computer system (1) of bank (12) sends the up-to-date surplus of checking account to user with short message mode by SMS confirmation processing unit (2) after the cash a check.
7. as claim 1 or 2 or 3 described SMS confirmation telecommunication methods, transfer accounts automatically when paying dues in monthly payment plan, adopt following D group step:
D1. transferring accounts automatically when monthly payment plan and expiring to pay dues the time, the account computer system (1) of bank (12) is with data such as user's monthly payment plan demand note, bank account number, the amount of money of transferring accounts, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from the bank account number, with data such as user's monthly payment plan bill title, bank account number, the amount of money of transferring accounts, send user's mobile phone (3) to by short message mode
D2. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from bank (12), see data such as monthly payment plan demand note, bank account number, the amount of money of transferring accounts from short message content, agreeing after the confirmation transfers accounts just pays dues immediately with original short message content, the intact bank (12) that replies to, agreeing confirms to transfer accounts pays dues; Do not confirm not reply if just disagree with, perhaps will reply to bank (12) after the short message content change, expression is disagreed with that this pen is transferred accounts and is paid dues, if having finished whole monthly payment plan before the user pays dues, also receive the monthly payment plan demand note, the expression bill may be made mistakes, can be after answer is disagreed with, get in touch with bank (12) immediately and check bill
D3. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees that this pen is transferred accounts and pays dues, SMS confirmation processing unit (2) sends the affirmation successful information to account computer system (1), if bank (12) can not receive the note that the user replys at the appointed time, or receive user's the note of disagreeing with, the expression user disagrees with that this pen is transferred accounts and pays dues, bank (12) transfers accounts with regard to not carrying out this pen
D4. the affirmation successful information that will receive of the account computer system (1) of bank (12) is checked, and checks user's data such as account balance, and after complete check is errorless, changes money in user's the bank account and pay the monthly payment plan of this phase,
D5. transfer accounts and pay dues the account computer system (1) of back bank (12) by SMS confirmation processing unit (2), the up-to-date surplus of user's bank account is sent to user's mobile phone (3) with short message mode.
8. as claim 1 or 2 or 3 described SMS confirmation telecommunication methods, when the personal credit data bank is inquired about, adopt following E group step:
E1. as the people during to the personal credit data of credit institution (13) inquiring user, the inquiry imports the personal credit document library system (1) of data such as user's account number, the project of being inquired about, inquiry's name to credit institution (13),
E2. personal credit document library system (1) is with data such as user's account number, the project of being inquired about, inquiry's names, be sent to SMS confirmation processing unit (2), SMS confirmation processing unit (2) finds user's mobile phone (3) telephone number from user's account number, with data such as user's account number, the project of being inquired about, inquiry's names, send user's mobile phone (3) to by short message mode
E3. the user receives note from mobile phone (3), know that from the caller ID of note this note is to send from personal credit document library system (1), see data such as user's account number, the project of being inquired about, inquiry's name from short message content, agree after the confirmation to inquire about own personal credit data with regard to immediately with original short message content to the inquiry, the intact personal credit document library system (1) that replies to agrees to confirm this inquiry; If just disagree with and do not confirm not reply, perhaps will reply to credit institution (13) after the short message content change, this inquiry is disagreed with in expression,
E4. SMS confirmation processing unit (2) is received the note that the user replys at the appointed time, the caller ID of checking note must be user's mobile phone (a 3) telephone number, guarantee that this note is that mobile phone (3) from the user sends, the content of while note and the request of being sent by SMS confirmation processing unit (2) before confirm that the content of note is identical, the expression user agrees to confirm this inquiry, SMS confirmation processing unit (2) sends the affirmation successful information to personal credit document library system (1), if personal credit document library system (1) can not receive the note that the user replys at the appointed time, or receive user's the note of disagreeing with, the expression user disagrees with this inquiry, personal credit document library system (1) will be refused this inquiry
E5. after the affirmation successful information that personal credit document library system (1) is received, relevant credit information is offered the inquiry,
E6. inquiry is finished back personal credit document library system (1) and is passed through SMS confirmation processing unit (2), and the brief points that will offer inquiry's credit information with short message mode send user's mobile phone (3) to.
9. as claim 4 or 5 or 6 or 7 or 8 described SMS confirmation telecommunication methods, at A2, B2, C2, D1 is in the step of E2, or add a random number or word string information at random at short message content, again at corresponding A4, B4, C4, D3, in the step of E4, check this random number or word string information at random, to strengthen fail safe.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100625357A CN101146242A (en) | 2006-09-11 | 2006-09-11 | SMS confirmation telecommunication method for bank check encashing |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100625357A CN101146242A (en) | 2006-09-11 | 2006-09-11 | SMS confirmation telecommunication method for bank check encashing |
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| CN101146242A true CN101146242A (en) | 2008-03-19 |
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| CNA2006100625357A Pending CN101146242A (en) | 2006-09-11 | 2006-09-11 | SMS confirmation telecommunication method for bank check encashing |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101957957A (en) * | 2009-07-17 | 2011-01-26 | 黄金富 | System and method for performing automatic transfer payment after confirming bill by mobile phone remote control |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN102469432A (en) * | 2010-11-08 | 2012-05-23 | 杜惠红 | Method and system for recharging mobile phone |
| CN108764919A (en) * | 2018-05-15 | 2018-11-06 | 惠龙易通国际物流股份有限公司 | E-payment confirmation method, device, system and storage medium |
-
2006
- 2006-09-11 CN CNA2006100625357A patent/CN101146242A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101957957A (en) * | 2009-07-17 | 2011-01-26 | 黄金富 | System and method for performing automatic transfer payment after confirming bill by mobile phone remote control |
| CN101964125A (en) * | 2009-07-24 | 2011-02-02 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN101964125B (en) * | 2009-07-24 | 2014-05-21 | 黄金富 | Mobile phone payment system authenticated by double communication paths and corresponding method |
| CN102469432A (en) * | 2010-11-08 | 2012-05-23 | 杜惠红 | Method and system for recharging mobile phone |
| CN108764919A (en) * | 2018-05-15 | 2018-11-06 | 惠龙易通国际物流股份有限公司 | E-payment confirmation method, device, system and storage medium |
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Application publication date: 20080319 |