CN101377839A - Method and apparatus for transacting transfer and settlement of accounts through wired network - Google Patents
Method and apparatus for transacting transfer and settlement of accounts through wired network Download PDFInfo
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- CN101377839A CN101377839A CNA2008100718242A CN200810071824A CN101377839A CN 101377839 A CN101377839 A CN 101377839A CN A2008100718242 A CNA2008100718242 A CN A2008100718242A CN 200810071824 A CN200810071824 A CN 200810071824A CN 101377839 A CN101377839 A CN 101377839A
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Abstract
The invention provides a method for transfer payment through wired networks and a device thereof, which relates to the network bank transfer technology. The method for transfer payment is characterized in that the device involved in the method comprise a bank frontal server, a bank account background, a fixed-line communication server, a fixed-line exchange platform, and a fixed telephone; the terminal of the fixed telephone unit is additionally provided with a bank card swiping device; the fixed-line exchange platform is connected with the outside or the inside of the bank frontal server; the exchange platform is additionally provided with an FSK signal processing module which can resolve FSK signals into digital signals, and transmit the signals to the bank server according to TCP/IP protocol; a comparator for determining the legitimacy of the data messages from the terminal of a telecommunication unit is additionally arranged in the exchanger platform. Transfer transactions can be implemented through the two system devices of wired network and bank just by inputting information on the fixed-line card swiping device. The method has the advantages that the available fixed-line network is used to achieve transfer payment by using the fixed telephone as a bank card unit trading terminal; and the user coverage is wide.
Description
Technical field:
The present invention relates to Web bank's account transfer technology, particularly the method for transferring accounts by fixed telephone line and network implementation.
Background technology:
At present, Web bank's account transfer can be implemented as the unit transaction terminal by single computer, it is computer input information, this information comprises customer account number, password, wait to transfer accounts take over party account, transfer amount etc., give bank server information transmission by the network connection, after bank server is judged, be transferred to account's background process, implement business such as account transfer or inquiry, result is returned to the unit transaction terminal then and show.This technology has its limitation, and the client who promptly is confined to have computing machine could operate.
Fixed-line phone service is extended to the network service, it is the advantage of utilizing the telecommunications network broad covered area, the network connection is carried in the circuit transmission, when making landline telephone single line voice-bearer simulating signal, carry the FSK frequency shift keyed signals again and realize Network Transmission, when making landline telephone as the telephone communication units terminal, use the client as computer network again, this business can also further be expanded.
Summary of the invention:
The objective of the invention is to overcome above-mentioned defective, the method and the device that provide a kind of cable network to make transfers settlement bargain.
The scheme of the inventive method is: the terminal increase is provided with the bank card brushing card device in the landline telephone unit, realizes landline telephone switch platform and bank preposing server external or built-in; On the telephone exchange machine platform, increase the fsk signal processing module, make fsk signal that landline telephone unit terminal is imported this platform into parse digital signal and be transferred to the bank preposing server with ICP/IP protocol by this processing module;
Implementing the account transfer step is:
(a) landline telephone unit terminal is by client's reception bank card information of swiping the card;
(b) client input treat transfer amount, the take over party's account information of waiting to transfer accounts;
(c) landline telephone unit terminal sends data processing instructions to the landline telephone switch platform;
(d) after the landline telephone switch platform receives landline telephone unit terminal input data, the data message is carried out protocol conversion, and the resolution data processing instruction sends data processing instructions to the bank preposing server;
(e) the bank preposing server receives data, to the data message open a bank account, behind the validity decision of account volume, the resolution data processing instruction carries out Account Disposal according to tally order by the account backstage; Feedback result instruction process result gives the bank preposing server;
(f) the bank preposing server to landline telephone unit terminal, is given the client echo and/or printing as a result by the switch platform back information.
Device scheme of the present invention is: the operative installations of this method comprises bank preposing server, bank account backstage, landline telephone switch platform, landline telephone, the terminal increase is provided with the bank card brushing card device in the landline telephone unit, and landline telephone switch platform that will be connected with the landline telephone cable network and bank preposing server are realized external or built-in; On the telephone exchange machine platform, set up and fsk signal can be parsed digital signal, and be transferred to the protocol conversion apparatus of the fsk signal of bank server with ICP/IP protocol.
The invention has the advantages that: utilize existing fixed telephone network, realize using the fixed line machine to realize overseas transfers, user's broad covered area as the bank card unit transaction terminal.
Description of drawings:
Fig. 1 is information transmission, the treatment step block scheme of switch platform circumscribed of the present invention.
Fig. 2 is result passback, the step display block scheme of switch platform circumscribed of the present invention.
Fig. 3 is the installation drawing that switch platform circumscribed of the present invention uses.
Fig. 4 is the built-in information transmission of switch platform of the present invention, treatment step block scheme.
Fig. 5 is built-in result passback, a step display block scheme of switch platform of the present invention.
Fig. 6 is the installation drawing of the built-in use of switch platform of the present invention.
Embodiment:
The difference of two types of attachment is that one is that landline telephone handing-over machine platform is arranged in the fixed telephony server, and second form is that this platform directly is built in the bank preposing server.
Overseas transfers of the present invention are implemented as landline telephone unit terminal by the telecommunications landline telephone, and its method is:
(a) landline telephone unit terminal is by client's reception bank card information of swiping the card;
(b) client input treat transfer amount, the take over party's account information of waiting to transfer accounts;
(c) landline telephone unit terminal sends data processing instructions to the landline telephone switch platform;
(d) after the landline telephone switch platform receives landline telephone unit terminal input data, the data message is carried out protocol conversion, and the resolution data processing instruction sends data processing instructions to the bank preposing server;
(e) the bank preposing server receives data, to the data message open a bank account, behind the validity decision of account volume, the resolution data processing instruction carries out Account Disposal according to tally order by the account backstage; Feedback result instruction process result gives the bank preposing server;
(f) the bank preposing server to landline telephone unit terminal, is given the client echo and/or printing as a result by landline telephone switch platform back information.
Step (a) further comprises: the client comprises bank card magnetic track information, password by the card information of the landline telephone unit terminal access device input that bank arranges;
Step (c) further comprises: described data processing instructions comprises inquiry, transfers accounts, pays and reports the loss;
Step (c) further comprises: the unit transaction terminal will pass through the PSTN network with the landline telephone switch platform, utilize FSK mode and access platform to carry out communication, to password, the magnetic track information and the amount of money adopt the 3des algorithm to encrypt, carry out carrying out the 3des encryption after the full message hash (as MD5), landline telephone unit terminal can be passed through the landline telephone switch platform to the bank preposing server by safe transmission data command, landline telephone unit terminal also can safety the landline telephone switch platform that passes through receive the instruction that the bank preposing server sends, guarantee that instruction is not distorted and intercepted;
Step (f) further comprises: if the legitimacy of the legitimacy of bank preposing server judgement transaction, landline telephone unit terminal is illegal, the refusal request, end operation, otherwise bank server is accepted the account transfer instruction, resolve instruction, the designated amounts of clearing client appointment, return results is given the bank preposing server;
The operative installations of this method comprises bank preposing server, bank account backstage, landline telephone switch platform, landline telephone, the terminal increase is provided with the bank card brushing card device in the landline telephone unit, and the landline telephone switch platform that will be connected with the landline telephone cable network is connected with the bank preposing server line; On the telephone exchange machine platform, set up and fsk signal can be parsed digital signal, and be transferred to the fsk signal processing module of bank server with ICP/IP protocol, in the landline telephone switch platform, set up the comparer that landline telephone unit terminal data message is carried out validity decision.
The present invention with bank preposing server, landline telephone switch platform, and both unit terminals implement to organically combine, both functions are intersected mutually, infiltrates, support, but realized the business of landline telephone transfer transactions that wide coverage is expansion.
Also can utilize cable TV transmission network network or other form wire transmission network to realize overseas transfers method of the present invention.
Claims (6)
1, the cable network method of settlement bargain of making transfers, comprise that the client swipes the card, Network Transmission, it is characterized in that the terminal increase is provided with the bank card brushing card device in the landline telephone unit, realize landline telephone switch platform and bank preposing server external or built-in; On the telephone exchange machine platform, increase the fsk signal processing module, make fsk signal that landline telephone unit terminal is imported this platform into parse digital signal and be transferred to the bank preposing server with ICP/IP protocol by this processing module;
Implementing the account transfer step is:
(a) landline telephone unit terminal is by client's reception bank card information of swiping the card;
(b) client input treat transfer amount, the take over party's account information of waiting to transfer accounts;
(c) landline telephone unit terminal sends data processing instructions to the landline telephone switch platform;
(d) after the landline telephone switch platform receives landline telephone unit terminal input data, the data message is carried out protocol conversion, and the resolution data processing instruction sends data processing instructions to the bank preposing server;
(e) the bank preposing server receives data, to the data message open a bank account, behind the validity decision of account volume, the resolution data processing instruction carries out Account Disposal according to tally order by the account backstage; Feedback result instruction process result gives the bank preposing server;
(f) the bank preposing server to landline telephone unit terminal, is given the client echo and/or printing as a result by the switch platform back information.
2, the cable network according to claim 1 method of settlement bargain of making transfers is characterized in that step (a) further comprises: the client comprises bank card magnetic track information, password by the card information of the landline telephone unit terminal access device input that bank arranges.
3, the cable network according to claim 1 method of settlement bargain of making transfers, it is characterized in that step (c) further comprises: described data processing instructions comprises inquiry, transfers accounts, pays and reports the loss;
4, the make transfers method of settlement bargain of cable network according to claim 1, it is characterized in that step (c) further comprises: the unit transaction terminal will pass through the PSTN network with the landline telephone switch platform, utilize FSK mode and access platform to carry out communication, to password, the magnetic track information and the amount of money adopt the 3des algorithm to encrypt, carry out carrying out the 3des encryption after the full message hash, landline telephone unit terminal can be passed through the landline telephone switch platform to the bank preposing server by safe transmission data command, landline telephone unit terminal also can safety the landline telephone switch platform that passes through receive the instruction that the bank preposing server sends, guarantee that instruction is not distorted and intercepted.
5, the cable network according to claim 1 method of settlement bargain of making transfers, it is characterized in that step (f) further comprises: if the legitimacy of the legitimacy of bank preposing server judgement transaction, landline telephone unit terminal is illegal, the refusal request, end operation, otherwise bank server is accepted the account transfer instruction, resolve instruction, the designated amounts of clearing client appointment, return results is given the bank preposing server.
6, the cable network device of settlement bargain of making transfers, comprise bank preposing server, bank account backstage, landline telephone switch platform, landline telephone, the terminal increase is provided with the bank card brushing card device in the landline telephone unit, and landline telephone switch platform that will be connected with the landline telephone cable network and bank preposing server are realized external or built-in; On the telephone exchange machine platform, set up and fsk signal can be parsed digital signal, and be transferred to the protocol conversion apparatus of the fsk signal of bank server with ICP/IP protocol.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100718242A CN101377839A (en) | 2008-09-22 | 2008-09-22 | Method and apparatus for transacting transfer and settlement of accounts through wired network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100718242A CN101377839A (en) | 2008-09-22 | 2008-09-22 | Method and apparatus for transacting transfer and settlement of accounts through wired network |
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| Publication Number | Publication Date |
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| CN101377839A true CN101377839A (en) | 2009-03-04 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100718242A Pending CN101377839A (en) | 2008-09-22 | 2008-09-22 | Method and apparatus for transacting transfer and settlement of accounts through wired network |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102044026A (en) * | 2009-10-23 | 2011-05-04 | 中兴通讯股份有限公司 | Telephone payment encryption method, device and system |
| CN102750193A (en) * | 2012-06-19 | 2012-10-24 | 株洲南车时代电气股份有限公司 | Data reloading method for LKJ monitoring device |
| CN103106756A (en) * | 2012-12-28 | 2013-05-15 | 银联商务有限公司 | Communication method and communication system |
| CN104123156A (en) * | 2014-07-12 | 2014-10-29 | 浙商银行股份有限公司 | Method for realizing local data loading through fixed-line payment |
| CN104158961A (en) * | 2014-07-30 | 2014-11-19 | 陈德展 | Method and device for controlling cooperative work of mobile phone and fixed-line telephone |
-
2008
- 2008-09-22 CN CNA2008100718242A patent/CN101377839A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102044026A (en) * | 2009-10-23 | 2011-05-04 | 中兴通讯股份有限公司 | Telephone payment encryption method, device and system |
| CN102750193A (en) * | 2012-06-19 | 2012-10-24 | 株洲南车时代电气股份有限公司 | Data reloading method for LKJ monitoring device |
| CN102750193B (en) * | 2012-06-19 | 2015-05-06 | 株洲南车时代电气股份有限公司 | Data reloading method for LKJ monitoring device |
| CN103106756A (en) * | 2012-12-28 | 2013-05-15 | 银联商务有限公司 | Communication method and communication system |
| CN104123156A (en) * | 2014-07-12 | 2014-10-29 | 浙商银行股份有限公司 | Method for realizing local data loading through fixed-line payment |
| CN104123156B (en) * | 2014-07-12 | 2017-12-12 | 浙商银行股份有限公司 | It is a kind of that the method for realizing that local data loads is paid by fixed line |
| CN104158961A (en) * | 2014-07-30 | 2014-11-19 | 陈德展 | Method and device for controlling cooperative work of mobile phone and fixed-line telephone |
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Open date: 20090304 |