CN1491020A - Telephone bank system by different lead-in code and information utilizing method thereof - Google Patents
Telephone bank system by different lead-in code and information utilizing method thereof Download PDFInfo
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- CN1491020A CN1491020A CNA021476411A CN02147641A CN1491020A CN 1491020 A CN1491020 A CN 1491020A CN A021476411 A CNA021476411 A CN A021476411A CN 02147641 A CN02147641 A CN 02147641A CN 1491020 A CN1491020 A CN 1491020A
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Abstract
A bank system of adopting deferent lead-in code and the method of using message, include bank computer system (1) user mobile phone , the feature is: each user mobile phone and this user's message such as name, account, cipher are stored relatively in the bank computer system registered by this user, and set first and second lead-in code (101), (202) for each user, in order to distinguish whether request others pay to himself or the user pays actively to others, the when users put forward virement request to bank computer system (1) by calling of mobile phones, use in message, the bank computer system according to preset program, classify real-time the deferent lead-in code message, complete fast users processing operation, the users are easy to remember and reduce possibility of miss-operation.
Description
Technical field
The present invention relates to telecommunication field, particularly telephone bank system and corresponding information approach.
Technical background
Telephone bank is now all the fashion, usually adopt response mode, the client utilizes mobile phone or landline telephone to put through the phone of bank computer system, and reply formula operation according to the preset program of bank computer system, the information of input name in an account book, account number, the amount of money, password and so on, afterwards, the bank computer system carries out the information processing operation, finishes client's requirements such as payment account transfer.This replying in the formula, other people initiatively do not separate to other people payment to paying with the client mutually with customer requirement, make and reply the formula complexity, cause error easily yet.Thereby the telephone bank system and the corresponding information approach that can reduce error are the ten minutes needs.
Summary of the invention
Purpose of the present invention, be in existing telephone bank system, for requiring other people to being distinguished with different information to the other party proactive payment from one's own side's payment, distinctiveness sign and corresponding information approach are provided, make in system of the present invention, can be convenient to client's memory and utilize this message structure and mode, simplify bank computer system operation program and save system resource.
The object of the present invention is achieved like this, adopt a kind of like this telephone bank system, include bank computer system (1) and client's mobile phone, it is characterized in that, each client's mobile phone and this client's account title, account number, in the bank computer system that this customer information of password etc. is stored in this client explicitly to be registered, and, native system imports code for each client is provided with two, the information that other people initiatively pay to other people to own payment or client with the difference customer requirement, use in information when payments such as proposing account transfer to bank computer system (1) with mobile portable phone requires by the client, and bank computer system (1) is by preset program, the information classification that has different importing codes is disposed, finish with client's operation task and reply, and, adopt the method for using information in a kind of like this telephone bank system, described system includes bank computer system (1) and client's mobile phone, it is characterized in that, described system is provided with first and imports the code (101) and the second importing code (201), for the client with mobile phone to bank computer system (1) claim to own payment or initiatively during payment by the transfer of account such as payment the part as information be transferred to bank computer system (1), bank computer system (1) is discerned the first importing code (101) and the second importing code (201) by preset program and is carried out corresponding information processing.
Benefit of the present invention is, owing to make the client adopt the information of different importing codes, this imports the clear and definite and distinguishing feature of application target of code, make the client because of simplifying memory and operation, can reduce the misoperation that payment is regardless of, also make the client save the time because of simplifying memory, simultaneously, simplified the response mode of client's mobile phone and bank computer system, simplify the identification formula of the bank computer system in telephone bank's payment and handled operation sequence such as formula, saved the resource of bank computer system.
Description of drawings
This specification comprises following accompanying drawing:
Fig. 1 is the embodiment key diagram of formation of the information code of including of being adopted in the telephone bank system of the present invention importing code that requires the other party payment.
Fig. 2 is including initiatively of being adopted in the telephone bank system of the present invention embodiment key diagram to the formation of the information code of the importing code of other party payment.
Fig. 3 is that the present invention has adopted the formation of the telephone bank system that imports code and the key diagram that employing imports the method for code information.
Fig. 4 is in the telephone bank system of the present invention, and bank's telephone system can be the key diagram of the situation of different bank.
Below in conjunction with accompanying drawing feature of the present invention is described in further detail.
Embodiment
Fig. 1 is an example of the information code (10) that adopted between client's mobile phone and the bank computer system in the system of the present invention, this information code (10) is to recover the money code, for example be that client's first is recovered payment for goods by bank computer system (1) to client's second, be client's first transmitting bank and require client's second immediately to client's first payment payment for goods that expires by bank.Information code (10) comprises that first of the leftmost side imports code (101), is numeral 91111 among the figure, also can adopt other numeral.Adopt this importing sign indicating number, be that system of the present invention requires to set, it is the connotation that requires the other side to pay the bill that bank computer system (1) gives client's first, in the middle of the information code is digital 002-678456-123, what represent is the account number of client's second, is the account number sign indicating number information of being demanded (102) that chases after, and rightmost side numeral is an amount of money part, requiring the payment of client's second to give client's first for 15000 yuan, is to chase after account amount information (103).Three parts of whole information code (10) promptly first import code, chase after the account account number, recover between the amount of money with * number separately.
When the information code (10) of this form that the client sends was received by bank computer system (1), the identification to the first importing code (101) ranged the information processing operation of recovery immediately, has simplified the processing operation sequence.
Fig. 2 similarly is another example of the information code (20) that adopted between client's mobile phone and the bank computer system (1) in the system of the present invention.This information code (20) is the payment code, is the information code that the client initiatively requires bank computer system (1) to pay the bill.Information code (20) form with the information code of recovering the money code (10) on form is identical, also constitutes by three parts such as importing code, account number and the amount of money, but digital connotation difference.Example illustrates among the figure, the importing sign indicating number is 5 numerals of 92222, can be described as second and import sign indicating number (201), middle account number is the account number that the client initiatively pays the bill in this account, can be described as payment account (202), the rightmost side is a payment, it is 328 yuan, be payment information (203), promptly, the information code that proactive payment is used (20) is made up of the second importing code (201), payment account (202), payment (203) three parts, and it is digital different with the first importing code (101) among Fig. 1 that second of the leftmost side imports code (201), formed difference.After this type of information sign indicating number that the client sends is received by bank computer system (1), first or second of the left side what import that code section just distinguished this legend is second to import sign indicating number from the foremost, be that customer requirement is initiatively paid, customer requirement is with the amount in the payment information (203), from this clients' accounts, deduct, pay in the payment account (202), promptly pay payment account (202) company or individual under one's name.Operation sequence can have been simplified with these information categorizations to the payment of the system account transfer information processing operation of partly transferring accounts by bank computer system (1).
Adopt the information code form of the first and second importing codes among the present invention, made bank computer system (1) just receive from the beginning and can sort out, simplified and improved the operation of information processing.The client is easy to also remember that it oneself still is initiatively to pay other people these two kinds distinguishing importing codes that requirement is paid.
In the example of Fig. 1 and Fig. 2, first five figure last mantissa that imports code (101) is 1, it is odd number, second five figure last mantissa that imports code (201) is 2, be even numbers, can be further used as the purposes of checking, the odd number recovery with odevity, memory when even number payment, the difference of odd even mantissa have made things convenient for the client to use difference to import code.
Consult Fig. 3.Fig. 3 is that the present invention has adopted the formation of the telephone bank system that imports code and the key diagram that employing imports the method for code information.Shown in the figure, include bank computer system (1) in the telephone bank system of the present invention, client's mobile phone (2,3 etc.).In the native system, as previously mentioned, the client issues in the information code of bank computer system (1) and is provided with the importing code, promptly, the client is provided with and utilizes first and second to import codes, first to import code be that requirement the other side pays the bill to us, and second to import code be that other party is given in client's proactive payment.As previously mentioned, in the system of the present invention, client's phone number is stored explicitly with customer name, account number, affirmation password etc. in bank computer system (1), bank computer system (1) is by caller identification, at any time know the number of incoming call mobile phone, bank computer system (1) is by preset program, adjustablely at any time goes out customer name, account number, it confirms password etc.
Shown in the figure, when client's first is sent recovery information (10) among Fig. 1 for example with its mobile phone (2) to bank computer system (1), by importing the identification of code (101) and the phone number of caller identification to first, bank computer system (1) knows client's first and requires the account to recover the money that the amount of money is 15000 yuan (103) for client's second of recovery account number (102), according to recovery account number (102), bank computer system (1) can access the phone number (3) of client's second immediately from storage, and by preset program, send client's first to the mobile phone (3) of client's second and recover 15000 yuan to client's second, if replying by preset program with its mobile phone (3), client's second agrees payment, bank computer system (1) can carry out the debt account transfer at any time and handle, from the account of client's second, take out, put under among the account of client's first, at last, can adopt information transmission modes such as sending short message, the information that bank computer system (1) will transfer accounts and handle is issued client's first and client's second.
Certainly, if money is not enough to refund in the account of client's second, or client's second disagrees with that payment refunds, and then bank computer system (1) sends the short message of failing to carry out to client's first, demands fund to client's second separately again by client's first.
Shown in the figure, when client's first is sent payment information (20) among Fig. 2 for example with its mobile phone (2) to bank computer system (1), by to top second importing the identification of code (201) and the phone number (2) of caller identification in the information, it is that client's first requires to client's third proactive payment that bank computer system (1) is known, for example, client third can be Gas Company or the like usually, and client's first is handed over gas charge to Gas Company.Again for example, client third can be a telephone operator, and client's first is paid telephone charges to telephone operator.Client third also can also be other individuals or company and so on, at this moment, bank computer system (1) is according to the phone number (2) of client's first, can find name in an account book, account number and the password etc. of client's first, bank computer system (1) is by preset program, consults in the account number of client's first to have or not enough money initiatively to pay.If much of that, behind client's first password check, payment after the payment by the transfer of account, is sent account transfer information respectively to client's first and client third at once, verifies for client's first and client third.
Under the less situation of the amount of money, system of the present invention also can arrange like this.For example, in the time of below 500 yuan, the information back connection that client's first is initiatively transferred accounts is gone up the affirmation password and is together issued bank computer system (1), and bank computer system (1) is after receiving active payment information and password check, the payment of remitting account at once, photos and sending messages both advised account transfer information again after the payment.
Consult Fig. 4.Fig. 4 is in the system and method for the present invention, and bank computer system (1) comprises different banks, the situation when (1-1) and two different banks (1-2) for example, i.e. and payment by the transfer of account behavior relates to different banks of two families.The for example Industrial and Commercial Bank of China (1-1) and Bank of China (1-2), Hong Kong Bank of China (1-1) and the Hong Kong and Shanghai Banking Corporation (1-2) etc.Because in the structure of information, be in the information illustrated in figures 1 and 2, after first and second import code, it is client's second or client's third account number, and the former positions in the common account number, the concrete account No. of for example preceding 3 or preceding 4 bit representations, so, in the system of the present invention, the registration banking system (1-1) of client's first will be sent the information that requires payment or initiatively pay to client's second or client's third registration banking system (1-2), registration banking system (1-2) by client's second or third is got in touch with to client's second or client third, to client's second, the information that client third sends aforementioned requirement payment or initiatively pays, and send result to the registration banking system (1-1) of client's first, be payment by the transfer of account or information that can not payment by the transfer of account, send information by preset program to the mobile phone (2) of its client's first by banking system (1-1) again, require password confirming or the like during payment.
In sum, be provided with first in the system of the present invention and import the code (101) and the second importing code (201), each imports code and all forms with numeral.The length figure place of numeral is 3 figure places or 5 figure places and so on, can be selected by system.And, the client issues the information code (10 of bank computer system (1), 20) include first in and import the code (101) or the second importing code (201), and first import code (101) or second and import code (201) and be positioned at information code (10,20) foremost, be Far Left, the mantissa of two different importing codes can distinguish mutually with odevity.Bank computer system (1) can be big notion, can comprise the bank computer system that each are different, makes the present invention go for the scope of broad.
Owing to used two kinds of different importing codes, make system and method for the present invention than the easier simplification of original call banking system operation, be difficult for makeing mistakes, the client has also reduced the possibility of misoperation, has improved and has imported the ratio that correctly requires information.
Claims (8)
1. telephone bank system, include bank computer system (1) and client's mobile phone, it is characterized in that, each client's mobile phone and this client's account title, account number, this customer information (10 of password etc., 20) in the bank computer system that is stored in this client explicitly and is registered, and, native system imports code for each client is provided with two, the information that other people initiatively pay to other people to own payment or client with the difference customer requirement, use in information when payments such as proposing account transfer to bank computer system (1) with mobile portable phone requires by the client, and bank computer system (1) is also by preset program, the information classification that has different importing codes is disposed, finished with client's operation task and reply.
2. telephone bank system according to claim 1 is characterized in that, system is provided with first and imports the code (101) and the second importing code (201), and each imports code and all is made up of numeral.
3. telephone bank system according to claim 1 is characterized in that, the client issues and includes first in the information code (10,20) of bank computer system (1) and import code (101) or second and import code (201).
4. as telephone bank system as described in the claim 3, it is characterized in that the client issues in the information code (10,20) of bank computer system (1) first and imports code (101) or second and import the foremost that code (201) is positioned at information code (10,20), i.e. Far Left.
5. telephone bank system according to claim 1 is characterized in that, the mantissa of its different importing code in two can distinguish mutually with odevity.
6. use the method for information in the telephone bank system, described system includes bank computer system (1) and client's mobile phone, it is characterized in that, described system is provided with first and imports the code (101) and the second importing code (201), for the client with mobile phone to bank computer system (1) claim to own payment or initiatively during payment by the transfer of account such as payment the part as information be transferred to bank computer system (1), bank computer system (1) is discerned the first importing code (101) or the second importing code (201) by preset program and is carried out corresponding information processing.
7. the method for use information as claimed in claim 6 is characterized in that, the first importing code (101) and second imports code (201) and all is made up of numeral.
8. the method for use information as claimed in claim 6 is characterized in that, first imports code (101) and second imports the foremost that code (201) is positioned at information code (10,20).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021476411A CN1491020A (en) | 2002-10-18 | 2002-10-18 | Telephone bank system by different lead-in code and information utilizing method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021476411A CN1491020A (en) | 2002-10-18 | 2002-10-18 | Telephone bank system by different lead-in code and information utilizing method thereof |
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| Publication Number | Publication Date |
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| CN1491020A true CN1491020A (en) | 2004-04-21 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA021476411A Pending CN1491020A (en) | 2002-10-18 | 2002-10-18 | Telephone bank system by different lead-in code and information utilizing method thereof |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2006021144A1 (en) * | 2004-08-25 | 2006-03-02 | Xing Zhou | A system that realizes fund transfer by mobile telephone short message confirming mode and method thereof |
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2002
- 2002-10-18 CN CNA021476411A patent/CN1491020A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2006021144A1 (en) * | 2004-08-25 | 2006-03-02 | Xing Zhou | A system that realizes fund transfer by mobile telephone short message confirming mode and method thereof |
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