CN1462006A

CN1462006A - Cardless mode bank payment telecommunication system without using credit card

Info

Publication number: CN1462006A
Application number: CN 02120712
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2002-05-29
Filing date: 2002-05-29
Publication date: 2003-12-17

Abstract

A telecommunication system for paying by bank without credit card is composed of bank computer system, computer and communication system for communication company, mobile telephones of clients, and cash terminals of shope and bank. The bank can assign an account number and a cipher to each client and record its number of mobile telephone. With said account number, cipher and telephone number, the client can pay for shopping or draw money.

Description

No card mode bank payment telecommunication system without credit card

Technical field,

The present invention relates to bank payment telecommunication system, particularly do not have the phone telecommunication payment system of card mode.

Technical background,

The invention of credit card and being used, bring great convenience to people, people can be not in cash when payment, use Credit Card Payments, need not carrying a lot of cashes, that people are lived is safer, also bring income, but credit card stolen makes credit card issue mechanism loss such as bank serious to bank.It is stolen how to overcome credit card, overcomes to re-use the behavior that bank is suffered a loss after credit card duplicates after stolen, is that the problem that will solve is badly in need of in bank.

Summary of the invention,

Therefore, purpose of the present invention is to provide a kind of bank payment telecommunication system of the no card mode without credit card.

The object of the present invention is achieved like this, adopt a kind of like this bank payment telecommunication system, it is characterized in that, adopt no card mode to pay, described system includes the computer system (1) of bank, the computer of cellular telephone companies and communication system (2), each user's mobile phone (3), the receipt and payment expense end device (4) of each shop and bank, wherein, for each client is provided with account number (1-2) and password (1-3) and gives the client, also be recorded in the computer system (1) of bank, this client's mobile phone (3) number also with account number (1-2) associated be recorded in the computer system (1) of bank, the client can I or authorize other people utilize its specify account number (1-2) consume and, or withdraw deposit, when client or licensee utilize native system consume and, or when withdrawing deposit, account number (1-2) and amount are imported from receipt and payment expense end device (4), the computer system of bank (1) will be dialed this client's mobile phone (3) number by preset program, the communication network carry information of computer through comprising cellular telephone companies and communication system (2) is to this client's mobile phone (3), after this client confirms payment by mobile phone (3) with password (1-3), consumption and, or drawing is performed.

Adopt no card mode bank payment telecommunication system of the present invention, just thoroughly solved and used the variety of issue that credit card brought.

Because the basic no credit card of system of the present invention, just greatly saved the expense of manufacturing credit card, the manufacturing and the use of machine for punching the card have been saved, and the program in the computer system and the saving of capacity, relevant man power and material's saving, the also stolen problem of faithlessness card, advantage is very obvious.

From the user, also become very simple, he can offer this type of account at different bank, and to deal with the payment needs of different situations, the account who has is to company, and the account who has can certainly be only with this type of account to kith and kin or the like.For the responsible official of company, he can no longer offer company credit's card, and all consumption are responsible for by himself or order person, have simplified service routine.

For forged credit card group, the present invention makes them again idle.

Description of drawings,

Fig. 1 is the formation and the operation key diagram of no card mode bank payment telecommunication system of the present invention.

Embodiment,

Consult Fig. 1, Fig. 1 is the formation and the operation characteristic key diagram of the bank cipher payment system of utilizing phone of no card of the present invention, shown in the figure, as previously mentioned, the computer system that bank is arranged (1) that this system is included is called for short bank (1), the computer of cellular telephone companies and communication system (2) are called for short cellular telephone companies (2), each user's mobile phone (3), comprise also that with the various charging terminal devices (4) in each shop the various receipt and payment expense end devices (4) of bank are called for short rater (4), wherein, bank (1) gives their each client with different account numbers (1-2), and this account corresponding password (1-3) that gives each client, this password is maintained secrecy by owner account (5), each owner account (5) maintains secrecy to the password (1-3) of oneself, simultaneously, and corresponding this account, bank (1) is with this client's mobile phone (3) number associated ground registration, that is, bank (1) is to each client, and note has account number (1-2), password (1-3), mobile phone (3) number.

System Operation example of the present invention is as follows.

The shopping example, as the people that client or client promised, his friend for example, his child or the like, go shopping, and use this client in the account number 002-12345 of first bank payment, when in the shop, choosing article and will pay, the shop is by rater (4) gathering of oneself, now a lot of shops all can be used at the button of usefulness or the posting device of swiping the card etc., because each rater (4) all has the registration certain account of certain bank, swipe the card etc. and all can go into money in this rater account of this rater (4) place bank immediately from paying bank, under the situation of native system, and without any need for credit card, also without any need for the bank card of debit card and so on, as long as go up input payment number at rater (4), and payment amount, for example purchase expenses is 1080 yuan, shop side has just imported 00212345-1080 on its rater (4), export away by execute key immediately, 002 represents first bank, first bank is immediately by 00212345 mobile phone (3) number of finding this client, and send the mobile phone (3) that voice messaging is given this client, this voice messaging makes this client's mobile phone (3) ring machine by the telecommunication network of cellular telephone companies (2), and caller identification 002-1080, this client just understands that this is that first bank will deduct 1080 yuan in his account, this client answers the voice indication of first bank, this payment of confirmation request, when the client confirms this payment, just import password (1-3) by the voice indication of bank, for example be 656678#, the instant biography of this password (1-3) returned first bank, first bank is that this client sends reimbursement of expense information to described rater (4) according to this password confirming, so instant telecommunication is remitted account, money is drawn to the bank account of this rater (4), and made record, the item of at this point paying the bill is sent out in the monthly statement to this client in the future and is repeated, the rater in shop (4) is got receipt, pay client, article are given the shopper, finish transaction.

If this account possessor is when receiving the confirmation request payment of first bank, the client indicates and will not confirm by bank's voice, or has imported bad password (1-3), and first bank will send the information of refusing to pay to this rater (4), and the shop can not receive money, just will not deliver.

The characteristics of the no card paying system of this kind; be that the account holder that on the one hand adequately protected just really wants the people's that pays the bill interests; simultaneously; make Payment Methods more flexible, whether no one blocks stolen with worrying; be replicated; bank also need not issue various cards, has saved resource greatly, has improved benefit.

The client can revise its password (1-3) at any time according to each bank's regulated procedure, to guarantee its safety in the debt of bank.

Same program not only can be used for shopping and so on, also can be used for withdrawing deposit waiting paying in cash.

For example, Mr. Li borrows money 5000 yuan to Mr. Wang, Mr. Wang is agreed to lend, each parameter of quoting example is an example, Mr. Wang can be face to face or any ways such as phone or fax tell its first bank account of Mr. Li 002-12345, Mr. Li can hold the bank counter face to face requirement of this number to first bank, the Automatic Teller Machine place that also can arrive first bank withdraws the money, when requiring payment at the bank counter place, the bank counter office worker imports 002-12345-5000 on bank's terminal computer, this information will be through the phone payment system output of bank, make Mr. Wang mobile phone (3) ring machine through system of related telephone company, the caller identification 002-5000 of Mr. Wang from the phone just known it is these 5000 yuan of things of borrowing money, so, answer this phone, and indicate step, just input password 656678# in the time of should inputing password (1-3) by the phone of bank, then after receiving that Mr. Wang passes through mobile phone (3) affirmation password, promptly follow procedure is ordered at cabinet towards 5000 yuan of Mr.'s Li cash payments in first bank.

Same program also is applicable on Automatic Teller Machine carries out, in last example, Mr. Li also can withdraw deposit on Automatic Teller Machine, Mr. Li uses the button of no Card Withdrawals mode in the input of the Automatic Teller Machine place of first bank permission, make cash machine change no Card Withdrawals mode over to, account number and the drawing number of importing Mr. Wang again are 002-12345-5000, the computer system of first bank is according to the signal instruction of this Automatic Teller Machine, by preset program, by telephone operator's network of relation, mobile phone (3) to Mr. Wang sends signal, after the mobile phone of Mr. Wang (3) is received signal, know Mr. Li who promised and on Automatic Teller Machine, extract 5000 yuan of cashes, import according to the phonetic order of bank then, behind the careful sign indicating number of input, the computer of bank can notify this cash machine Mr. Xiang Li to pay drawing.

The present invention is suitable for example and can enumerates a lot, as long as comprise top described feature, all belongs to protection scope of the present invention.

System of the present invention not only is applicable to bank payment telecommunication system, also fully similarly be applicable to the telecommunication payment system of some commercial undertakings, for example, the telecommunication payment system of chain supermarket commercial undertaking, as long as client is registered as its client, account number is arranged, under this account, deposited enough money in, under this mechanism's computer system, register phone number and issued password, like this, when when do shopping in the shop of this commercial undertaking, when payment shopping money, just can on its charging terminal device, also adopt on the account and remit account and the shopping way of nonpayment cash.Also can be suitable for for automatic vending machine company computer and communication system and corresponding automatic vending machine.Thereby the bank payment telecommunication system among the present invention also can be any commercial undertaking telecommunication payment system that adopts feature of the present invention.

Claims

1, a kind of bank payment telecommunication system, it is characterized in that, adopt no card mode to pay, described system includes the computer system (1) of bank, the computer of cellular telephone companies and communication system (2), each user's mobile phone (3), the receipt and payment expense end device (4) of each shop and bank, wherein, for each client is provided with account number (1-2) and password (1-3) and gives the client, also be recorded in the computer system (1) of bank, this client's mobile phone (3) number also with account number (1-2) associated be recorded in the computer system (1) of bank, the client can I or authorize other people utilize its specify account number (1-2) consume and, or withdraw deposit, when client or licensee utilize native system consume and, or when withdrawing deposit, account number (1-2) and amount are imported from receipt and payment expense end device (4), the computer system of bank (1) will be dialed this client's mobile phone (3) number by preset program, the communication network carry information of computer through comprising cellular telephone companies and communication system (2) is to this client's mobile phone (3), after this client confirms payment by mobile phone (3) with password (1-3), consumption and, or drawing is performed.

2, bank payment telecommunication system as claimed in claim 1 is characterized in that, receipt and payment expense end device (4) can be various raters, the device of checking out, terminal computer, Automatic Teller Machine.

3, bank payment telecommunication system as claimed in claim 1 is characterized in that, bank payment telecommunication system also can be commercial undertaking's payment telecommunication system.

4, bank payment telecommunication system as claimed in claim 3 is characterized in that, bank payment telecommunication system also can be a supermarket mechanism payment telecommunication system.