CN104182872B - Data handling system and method based on mobile communication terminal - Google Patents
Data handling system and method based on mobile communication terminal Download PDFInfo
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- CN104182872B CN104182872B CN201410374443.7A CN201410374443A CN104182872B CN 104182872 B CN104182872 B CN 104182872B CN 201410374443 A CN201410374443 A CN 201410374443A CN 104182872 B CN104182872 B CN 104182872B
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention provides a kind of data handling system and method based on mobile communication terminal, the system includes data receipt unit, message parsing unit, instruction creating unit, data transmission unit and data modification unit, wherein：The data receipt unit, for receiving message by mobile communications network；The message parsing unit, the terminal iidentification in message, data modification request or modification for parsing and obtaining reception confirm instruction；The instruction creating unit, for the data modification request generation modification confirmation request obtained according to parsing；The data transmission unit, for the modification confirmation request to be sent into corresponding mobile communication terminal；The data modification unit, the modification for being obtained according to parsing confirm to perform data modification operation during instruction.The present invention is initiated by mobile communication terminal and carries out data modification after being confirmed by another mobile communication terminal, can be applied to collection business, not only simple to operate and safe.
Description
Technical field
The present invention relates to data processing field, more specifically to a kind of data processing based on mobile communication terminal
System and method.
Background technology
Existing electronic fare payment system is broadly divided into following several types：Paid on line based on internet, based on POS
Line under pay, and the mobile-phone payment based on smart mobile phone.
Wherein, pay on line there is unsafe factors such as well-known virus and hacker attacks, and paid on line
Needing user to rely on, desktop computer or notebook computer etc. be not portable, or carries inconvenient operation terminal.PayPal on line
Often relatively it is adapted to the net purchase financial transaction towards Online Store to pay, and the bank card to being carried out in solid shop/brick and mortar store and its related branch
Pay, now majority or the intelligent hand for possessing payment function swiped the card by the POS under line and just come out at present individually
Machine is realized.And under the line based on POS in the means of payment, it is higher cost and its maintenance cost of POS equipment to be present,
And the volume of POS equipment is relatively also bigger, the POS equipment of even packaged type uses also very heavy.
And mobile-phone payment makes it possible that consumer carries out live real-time, non-contact, small amount payment by mobile phone, preferably
Meet demand of the consumer to mobile payment.
But in current mobile-phone payment, to ensure security, when paying both sides not in same position, it is necessary to manually enter
User name, password ability login account need to be manually entered the name in an account book, account, bank of deposit of beneficiary to carry out identity validation
It could complete to pay etc. information.Information needed for the above-mentioned means of payment is more, and operating procedure is complicated.
All it is to be initiated from paying party and directly paid to beneficiary promotion expenses in addition, in existing e-payment.
The content of the invention
The technical problem to be solved in the present invention is, the problem of for above-mentioned e-payment inconvenience, there is provided Yi Zhongji
In the data handling system and method for mobile communication terminal.
The technical scheme that the present invention solves above-mentioned technical problem is to provide a kind of data processing based on mobile communication terminal
System, including data receipt unit, message parsing unit, instruction creating unit, data transmission unit and data modification unit,
Wherein：The data receipt unit, for receiving the message from mobile communication terminal, the message by mobile communications network
The 3rd message including the first message from the first mobile communication terminal, from the second mobile communication terminal, described first moves
Mobile communication terminal has the first mark, and second mobile communication terminal has the second mark；The message parsing unit, is used for
Parse receive message with obtain terminal iidentification, data modification request or modification confirm instruction, the data modification request be with
First is identified as beneficiary, the reimbursement of expense request of paying party is identified as with second；The instruction creating unit, for according to solution
The data modification request generation modification confirmation request that analysis obtains, the modification confirmation request are corresponding with data modification request；It is described
Data transmission unit, for the modification confirmation request to be sent into corresponding mobile communication terminal；The data modification unit,
Modification for being obtained according to parsing confirms that instruction performs data modification operation corresponding with the data modification request；
When the message that data receipt unit receives is the first message from the first mobile communication terminal, message parsing is single
Element resolution obtains the second mark and data modification request included in the first message；When the message that data receipt unit receives is
During three message from the second mobile communication terminal, it is true that message parsing unit parsing obtains the modification included in the 3rd message
Recognize instruction；
The system also includes user register unit and functional check unit, wherein：The user register unit, for root
Generate a plurality of user record according to the terminal iidentification and corresponding identity information of mobile communication terminal input and store and arrive storage device；
The functional check unit, in the storage device searching terminal identify, and with the terminal iidentification in the message
Corresponding user record is present in enabled instruction creating unit when in the storage device.
In the data handling system of the present invention based on mobile communication terminal, each user record includes account
User data, the terminal iidentification include the first mark, the second mark；The data modification request is to be identified as gathering with first
Reimbursement of expense request square, that paying party is identified as with second；The data modification operation includes modification and the first mark, the second mark
The account data of user record corresponding to knowledge.
The present invention also provides a kind of data processing method based on mobile communication terminal, comprises the following steps：
(a) by mobile communications network from first mark the first mobile communication terminal receive comprising second mark and
The first message of data modification request, the data modification request are to be identified as beneficiary with first, be identified as payment with second
The reimbursement of expense request of side；
(b) the second message is generated according to the described first mark, the second mark and data modification request and described second disappears
Breath by mobile communications network be sent to second mark the second mobile communication terminal, second message including with it is described
Modification confirmation request corresponding to data modification request, the modification confirmation request are corresponding with data modification request；
(c) the 3rd message is received by mobile communications network, and in the 3rd message from the with the second mark
Two mobile communication terminals and including with it is described modification confirmation request it is corresponding modification confirm instruction when, perform with the data modification
Data modification operation corresponding to request；
This method also includes：The inputted according to the first mobile communication terminal, the second mobile communication terminal or computer terminal
One mark, the second mark and corresponding identity information, which generate a plurality of user record and stored, arrives storage device；
The step (a) includes：The mark of retrieval first and the second mark in the storage device, and with described first
The mark user record corresponding with the second mark performs step (b) when being present in the storage device.
In the data processing method of the present invention based on mobile communication terminal, the step (a) includes：Extraction hair
Send the first of the first mobile communication terminal of first message to identify, and parse and identify the second mark in the first message
And data modification request.
In the data processing method of the present invention based on mobile communication terminal, each user record includes account
User data；The data modification request is to be identified as beneficiary with first, the reimbursement of expense request of paying party is identified as with second；
The data modification operation includes the account data of the corresponding user record of modification.
In the data processing method of the present invention based on mobile communication terminal, described first is identified as the first movement
The cell-phone number of communication terminal, described second is identified as the cell-phone number of the second mobile communication terminal；The first message and the 3rd disappears
Breath is created by the application software of the first mobile communication terminal and the second mobile communication terminal respectively, and the in the first message
The second mark in one mark and the 3rd message is moved from the first mobile communication terminal and/or second automatically by application software
Communication terminal obtains.
In the data processing method of the present invention based on mobile communication terminal, also include after the step (c)：
Generation is comprising producing account, be transferred to account and the transfer instructions of the amount of money after the scheduled time after the completion of data modification operation, and
The transfer instructions are sent to banking system.
In the data processing method of the present invention based on mobile communication terminal, include after the step (c)：It is raw
It is sent into notification instruction corresponding with data modification operation, and by the notification instruction by mobile communications network with the first mark
The first mobile communication terminal known and the second mobile communication terminal with the second mark.
The data handling system and method based on mobile communication terminal of the present invention, using reverse transmission signal extracting mode
Automatic progress identity validation and reverse offer confirm, not only convenient and swift, and security is good.Present invention can apply to withhold
Money business, it is not only simple to operate and safe.
Brief description of the drawings
Fig. 1 is the schematic diagram of the data handling system embodiment of the invention based on mobile communication terminal.
Fig. 2 is the schematic flow sheet of the data processing method embodiment of the invention based on mobile communication terminal.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
As shown in figure 1, it is the schematic diagram of the data handling system embodiment of the invention based on mobile communication terminal.The implementation
The data handling system based on mobile communication terminal in example can be one or more data servers, and it has mobile communication
Network identification mark (such as cell-phone number, can specifically be realized by grafting SIM cards of mobile phones) simultaneously can receive hand by mobile communications network
The business datums such as machine short message, the system include data receipt unit 11, message parsing unit 12, instruction creating unit 13, data
Transmitting element 14 and data modification unit 15, above-mentioned data receipt unit 11, message parsing unit 12, instruction creating unit
13rd, it is real can to combine the software run on the hardware platform of data server for data transmission unit 14 and data modification unit 15
It is existing.
Data receipt unit 11 is used to receive the message from mobile communication terminal by mobile communications network.Above-mentioned message
Can be the first message from the first mobile communication terminal (first mobile communication terminal has the first mark), from second
3rd message of mobile communication terminal (second mobile communication terminal has the second mark).
Message parsing unit 12 is used to parse and obtain terminal iidentification, data modification request or modification in the message of reception
Confirm instruction.When the message that data receipt unit 11 receives is the first message from the first mobile communication terminal, message solution
Analysis unit 12 can parse the second mark and data modification request for obtaining and being included in the first message；When data receipt unit 11 connects
When the message of receipts is three message from the second mobile communication terminal, message parsing unit 12, which can parse, obtains second message
In the modification that includes confirm instruction.In addition, please when being free of terminal iidentification, data modification in the message that message parsing unit 12 parses
When asking or change confirmation instruction, then the message is abandoned.
The data modification request generation modification confirmation request for instructing creating unit 13 to be obtained according to parsing.Specifically, it is above-mentioned
It is corresponding with data modification request to change confirmation request.
Data transmission unit 14 is used to modification confirmation request being sent to (such as the second movement of corresponding mobile communication terminal
Communication terminal) so that corresponding mobile communication terminal confirms to data modification request.Specifically, data transmission unit 14 exists
During transmission, modification confirmation request is encapsulated as the second message and is transmitted.
The modification that data modification unit 15 is used to be obtained according to parsing confirms that instruction (is receiving the second mobile communication end
When holding three message returned) perform data modification operation corresponding with data modification request.
Said system may also include user register unit and functional check unit (equally can be by running on data server
Software on hardware platform is realized), wherein：User register unit is used for the mark and corresponding inputted according to mobile communication terminal
Identity information, which generates a plurality of user record and stored, arrives storage device；Functional check unit is used for searching terminal in the storage device
Mark, and the enabled instruction when the user record corresponding with the terminal iidentification in the message is present in the storage device
Creating unit 13.
The above-mentioned data handling system based on mobile communication terminal can be applied to the e-payment based on mobile communication terminal
In, now terminal iidentification can be cell-phone number, i.e., first is identified as the cell-phone number of the first mobile communication terminal, and second is identified as
The cell-phone number of two mobile communication terminals.Accordingly, each user record in storage device include account data (such as first mark
User record corresponding to knowledge include the first mark, personal code work, user account account, user other communicate number etc.)；Data modification
Ask to be identified as beneficiary with first, the reimbursement of expense request of paying party being identified as with second；The data modification operation bag
Include the account data of the corresponding user record of modification.
As shown in Fig. 2 be the schematic flow sheet of the data processing method embodiment of the invention based on mobile communication terminal, should
Method comprises the following steps：
Step S21：Received by mobile communications network from the first mobile communication terminal with the first mark and include second
The first message of mark and data modification request.It may include that extraction sends the first mobile communication terminal of first message in the step
First mark, and parse and identify in the first message second identify and data modification request.
Above-mentioned first mark can be the cell-phone number of the first mobile communication terminal, and second is identified as the second mobile communication terminal
Cell-phone number；And the application of first message and the 3rd message respectively by the first mobile communication terminal and the second mobile communication terminal is soft
Part (i.e. cell phone application) creates, and the second mark in the first mark and the 3rd message in first message is automatic by application software
Obtained from the first mobile communication terminal and/or the second mobile communication terminal.
Certainly, in actual applications, above-mentioned first mark and the second mark can also use other information to replace, and first disappears
Breath and the 3rd message can also be SMSs.
Step S22：Second message is generated according to the first mark, the second mark and data modification request and leads to the second message
Cross mobile communications network and be sent to the second mobile communication terminal with the second mark, second message includes and the data
Modification confirmation request corresponding to modification request.
Step S23：3rd message is received by mobile communications network.
Step S24：The 3rd message from second mark the second mobile communication terminal and including with it is described
When changing modification confirmation instruction corresponding to confirmation request, data modification operation corresponding with the data modification request is performed.
In the above-mentioned data processing method based on mobile communication terminal, it may also include：It is whole according to the first mobile communication
End, the first mark of the second mobile communication terminal or computer terminal input, the second mark and the generation of corresponding identity information are a plurality of
User record and store arrive storage device；
Correspondingly, may include in step S21：In the storage device retrieval first mark and second mark, and with
First mark user record corresponding with the second mark performs step S22 when being present in the storage device.
The collection trusted that the above-mentioned data processing method based on mobile communication terminal can be applied in e-payment, often now
One user record includes account data；Data modification request is to be identified as beneficiary with first, be identified as paying party with second
Reimbursement of expense is asked；Data modification operation includes the account data of the corresponding user record of modification.
In the above-mentioned data processing method based on mobile communication terminal, include after step S24：Generation is repaiied with data
Change notification instruction corresponding to operation, and the notification instruction is sent to the first shifting with the first mark by mobile communications network
Mobile communication terminal and the second mobile communication terminal with the second mark.
Correspondingly, may include after step S24：After the scheduled time after the completion of data modification operation (such as 24 is small
When after) transfer instructions are sent to banking system comprising producing account, be transferred to account and the transfer instructions of the amount of money by generation.It is logical
Setting indwelling time (i.e. the scheduled time) is crossed, the fund that, pair are transferred freezes in the given time, and the scheduled time reaches
It is automatic to thaw, can greatly improve the security of reimbursement of expense.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art the invention discloses technical scope in, the change or replacement that can readily occur in,
It should all be included within the scope of the present invention.Therefore, protection scope of the present invention should be with scope of the claims
It is defined.
Claims (8)
- A kind of 1. data handling system based on mobile communication terminal, it is characterised in that：Parsed including data receipt unit, message Unit, instruction creating unit, data transmission unit and data modification unit, wherein：The data receipt unit, for passing through Mobile communications network receives the message from mobile communication terminal, and the message includes first from the first mobile communication terminal Message, the 3rd message from the second mobile communication terminal, first mobile communication terminal have first to identify, and described second Mobile communication terminal has the second mark；The message parsing unit, for parsing the message received to obtain terminal iidentification, number Confirm instruction according to modification request or modification, the data modification request is to be identified as beneficiary with first, be identified as and pay with second The reimbursement of expense request of money side；The instruction creating unit, the data modification request generation modification for being obtained according to parsing are true Recognize request, the modification confirmation request is corresponding with data modification request；The data transmission unit, for the modification to be confirmed Request is sent to corresponding mobile communication terminal；The data modification unit, the modification for being obtained according to parsing confirm instruction Perform data modification operation corresponding with the data modification request；When the message that data receipt unit receives is the first message from the first mobile communication terminal, message parsing unit solution Analysis obtains the second mark and data modification request included in the first message；When data receipt unit receive message be from During three message of the second mobile communication terminal, message parsing unit parsing obtains the modification included in the 3rd message and confirms to refer to Order；The system also includes user register unit and functional check unit, wherein：The user register unit, for according to shifting The terminal iidentification and corresponding identity information of mobile communication terminal input, which generate a plurality of user record and stored, arrives storage device；It is described Functional check unit, in the storage device searching terminal identify, and relative with the terminal iidentification in the message The user record answered is present in enabled instruction creating unit when in the storage device.
- 2. the data handling system according to claim 1 based on mobile communication terminal, it is characterised in that：Each use Family record includes account data, and the terminal iidentification includes the first mark, the second mark；The data modification request is with first It is identified as beneficiary, the reimbursement of expense request of paying party is identified as with second；The data modification operation includes modification and first The account data of user record corresponding to mark, the second mark.
- A kind of 3. data processing method based on mobile communication terminal, it is characterised in that：Comprise the following steps：(a) received by mobile communications network from the first mobile communication terminal with the first mark comprising the second mark and data The first message of request is changed, the data modification request is to be identified as beneficiary with first, be identified as paying party with second Reimbursement of expense is asked；(b) the second message is generated according to the described first mark, the second mark and data modification request and leads to second message Cross mobile communications network and be sent to the second mobile communication terminal with the second mark, second message includes and the data Modification confirmation request corresponding to modification request, the modification confirmation request are corresponding with data modification request；(c) the 3rd message is received by mobile communications network, and moved in the 3rd message from second with the second mark Mobile communication terminal and including with it is described modification confirmation request it is corresponding modification confirm instruction when, perform with the data modification request Corresponding data modification operation；This method also includes：The first mark inputted according to the first mobile communication terminal, the second mobile communication terminal or computer terminal Know, the second mark and corresponding identity information generate a plurality of user record and stored and arrive storage device；The step (a) includes：The mark of retrieval first and the second mark in the storage device, and identified with described first Step (b) is performed when the user record corresponding with the second mark is present in the storage device.
- 4. the data processing method according to claim 3 based on mobile communication terminal, it is characterised in that：The step (a) include：Extraction sends the first mark of the first mobile communication terminal of first message, and parses and identify that described first disappears The second mark and data modification request in breath.
- 5. the data processing method according to claim 4 based on mobile communication terminal, it is characterised in that：Each use Family record includes account data；The data modification request is to be identified as beneficiary with first, be identified as paying party with second Reimbursement of expense is asked；The data modification operation includes the account data of the corresponding user record of modification.
- 6. the data processing method according to claim 3 based on mobile communication terminal, it is characterised in that：First mark Know and be identified as the cell-phone number of the second mobile communication terminal for the cell-phone number of the first mobile communication terminal, described second；Described first Message and the 3rd message are created by the application software of the first mobile communication terminal and the second mobile communication terminal respectively, and described the The second mark in the first mark and the 3rd message in one message is by application software automatically from the first mobile communication terminal And/or second mobile communication terminal obtain.
- 7. the data processing method according to claim 4 based on mobile communication terminal, it is characterised in that：The step (c) also include after：Generation is comprising producing account, be transferred to account and the amount of money after the scheduled time after the completion of data modification operation Transfer instructions, and the transfer instructions are sent to banking system.
- 8. the data processing method according to claim 3 based on mobile communication terminal, it is characterised in that：The step (c) include after：Generation notification instruction corresponding with data modification operation, and the notification instruction is sent out by mobile communications network It is sent to the first mobile communication terminal with the first mark and the second mobile communication terminal with the second mark.
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| CN201410374443.7A CN104182872B (en) | 2014-07-31 | 2014-07-31 | Data handling system and method based on mobile communication terminal |
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| CN201410374443.7A CN104182872B (en) | 2014-07-31 | 2014-07-31 | Data handling system and method based on mobile communication terminal |
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| CN104182872A CN104182872A (en) | 2014-12-03 |
| CN104182872B true CN104182872B (en) | 2018-03-13 |
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| CN107103545A (en) * | 2016-02-23 | 2017-08-29 | 平安科技（深圳）有限公司 | Health insurance information processing method and device |
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| CN1608267A (en) * | 2001-11-26 | 2005-04-20 | 埃帕西菲克公司 | Systems and methods for fund transfers |
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| CN201985878U (en) * | 2010-09-15 | 2011-09-21 | 中国工商银行股份有限公司 | Data processing system based on Internet banking |
| CN103186860A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
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