CN101042756A - Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information - Google Patents
Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information Download PDFInfo
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- CN101042756A CN101042756A CN 200610034403 CN200610034403A CN101042756A CN 101042756 A CN101042756 A CN 101042756A CN 200610034403 CN200610034403 CN 200610034403 CN 200610034403 A CN200610034403 A CN 200610034403A CN 101042756 A CN101042756 A CN 101042756A
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Abstract
This invention relates to one user payment for public structure affairs for such as gas, water, electricity, rent and telephone, etc, which comprises the following steps: a, sending payment short message to the user cell phone and then through user computer system to transfer the funds and before its operation, the user receives the information about the payment.
Description
Technical field
The present invention relates to communication field, particularly the SMS communication field.
Technical background
Inst expense, the for example electricity charge, water rate, gas charge, telephone charge, to such an extent as to house rent, overhead cost, paying of expenses such as tuition fee, except that going in person to pay, can utilize the mode of bank self-help account transfer, agree through the user, these expenses of this user are directly asked for to bank by these mechanisms, and bank deducts money in user's account immediately, these expenses of payment by the transfer of account are in associated mechanisms account under one's name, in fact, each Inst user uses only accounting for about 10% of transferring accounts and pay the fees automatically now, will wherein 90% people go bank queuing to pay the fees why?
Because the user feels that account transfer is not steady and sure automatically, receive after transferring accounts that bill just knows the account transfer amount of money of paying the fees, if makeing mistakes, bill overcharged money, do a lot of formalities and just can recover the money of paying more, bother very much, and the user can not know accurately in that day account transfer to pay the fees that if short of money in the account, the attacker continues to pay dues again.
Therefore, need technically, provide a kind of method can overcome user's psychological burden not steady and sure automatic account transfer from the mechanics of communication in modern times, and convenient and swift, safe and reliable.
Summary of the invention
Purpose of the present invention is to provide a kind of method of mechanics of communication, can realize that easily, safely, reliably the user in time pays dues to public organizations.
The object of the present invention is achieved like this, adopts a kind of like this telecommunication method of paying public organizations' expense, it is characterized in that, the step that has adopted the mode of the note of paying dues (0) to pay dues in the described method.
Described method comprises the steps,
Described method step can also comprise step 6, and this public organizations' computer system (1) is sent note to this user mobile phone (3) after receiving that bank computer system (2) notifies this user's expense to pay, and informs to receive and pay dues.
Described method can also adopt another group step, promptly comprises the steps,
Step S1, bank computer system (2) sets up agreement with each public organizations' computer system (1), the information of paying dues and confirming of process user, pay dues for user's account transfer, and, the user registers its phone number (3) in each public organizations' computer system (1), and the user to the bank that holds in the palm through the registered user's oneself of its bank computer system (2) phone number (3), Bank Account Number and user are in the information of each Inst account number, and label power of attorney authorized bank pays dues for user's account transfer according to the confirmation of paying dues that the user sent out;
Step S2, described each public organizations will be when this user charges, and this public organizations' computer system (1) is sent the note of paying dues (0) to this user mobile phone (3), and the note of paying dues (0) is listed the charge organization names and the amount of money of paying dues;
Step S3, described public organizations computer systems (1) were sent the transfer request information of charging to this user to bank computer system (2) after several minutes;
Step S4, bank computer system (2) is in the predetermined short time, utilize DNA funds transfer system method, or the common telecommunication means of communication, dial this user's mobile phone (3) number, and the telephone number of bank is added the amount of money of paying dues, form a caller ID, with the caller ID display mode, on the screen of user's mobile phone (3), show, require the user to pay dues and confirm and require the user when to answer to transfer accounts;
Step S5, this user's mobile phone (3) is received the incoming call of bank computer system (2), see it is the amount of money of paying dues of the note of paying dues (0) bank's incoming call and the above-mentioned steps S2 from caller ID, whether the user can utilize its mobile phone (3) to answer to bank and pay dues, when not paying dues, incoming call answering is not ignored, perhaps behind the incoming call answering on mobile phone by the predetermined key of disagreeing with, pay dues with the expression refusal; When paying dues, need only incoming call answering, and on mobile phone, reply bank computer system (2) expression affirmation Instant Transfer and pay dues by predetermined acknowledgement key, or after pressing acknowledgement key, please bank postpone to transfer accounts to pay dues by a numeral, the numeral of this numerical key is exactly the number of days that delay is paid dues how much in the future; Also can represent bank to postpone incoming call once more how much in the future the user then just determines whether pay dues directly by a numeral behind incoming call answering;
Step S6, bank computer system (2) transfers accounts by the time of customer requirements after receiving that this user mobile phone (3) is answered affirmation, amount payable transferred to the described account of public organizations from this user account, and
After account transfer, bank computer system (2) sends short messages to this user mobile phone (3), informs that this expense account transfer of this user finishes.
Described step can also comprise step S7, and this public organizations' computer system (1) is sent note to this user mobile phone (3) after receiving that bank computer system (2) notifies this user's expense to pay, and informs to receive and pay dues.
The advantage and the benefit of method of the present invention be, not only made things convenient for the user to pay dues, and the user is paid dues securely, can know and oneself how much handed over, when handing over, is any expense, and, in the one group of methods step of back, pay dues after can also being chosen in a few days, making pays dues very feels at ease.
Description of drawings
Fig. 1 is a kind of telecommunication method step key diagram of paying public organizations' expense of the present invention;
Fig. 2 is another group step key diagram of method of the present invention;
Fig. 3 and Fig. 4 are the key diagrams of two examples of the note of paying dues (0) in the method for the present invention.
Embodiment
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1 and Fig. 2, Fig. 1 and Fig. 2 are the telecommunication method step key diagrams of paying public organizations' expense of the present invention, concrete steps step 1 as previously described to step 6 specifies, described public organizations mainly comprise Gas Company, Utilities Electric Co., water supply company, telephone operator, house lease company, estate management mechanism, school, or the like, certainly, can also comprise that the user wishes to adopt other public organizations or the non-public organizations of the method.
All there is computer system separately in each public organizations, therefore, all use a big square frame that these public organizations (with the little box indicating of the inside) are encased among Fig. 1 and Fig. 2, be summarised as each public organizations' computer system (1), and the bank aspect also uses bank computer system (2) to summarize with label 1.
The communication system of note belongs to the universal communication technology, and the note of paying dues (0) is also the same with normal short message, is the note on the communication meaning, is general note in the present Wireless/wired communication.Communication system is the wire/wireless telecommunication system that each MCI sets up and uses.
Continue to consult Fig. 1, as previously mentioned, shown in Fig. 1 is the first embodiment key diagram of method of the present invention, and the other digital corresponding step 1 noted earlier that marks with circle of each inter-agency line is to step 6 among the figure, the arrow of line has been represented the direction of communication, or the direction of the note of paying dues (0) transmission.
Each step among Fig. 1 also can be summarized as follows simply:
Phone number, Bank Account Number and user that the user at first registers oneself to bank be in data such as Inst account numbers, and sign power of attorney authorized bank and send short messages according to the user, transfers accounts for the user and pay the fees.Bank and public organizations will set up corresponding short message process system, are used for the short message that process user pays the fees, and pay the fees for user's account transfer.
When Inst bill expires will pay the time, for example electricity charge, water rate, gas charge, telephone charge, rent, overhead cost, tuition fee etc., this charge mechanism sends out a note and gives the user, tells the subscriber payment amount of money, and the user agrees just this note to be forwarded to bank.User's note (0) of paying dues is received by bank, find user's Bank Account Number and user in Inst account number from the caller ID of note, find the public organizations' title and the amount of money of paying the fees from short message content, just transfer accounts in user's the bank account after the confirmation and pay this Inst charge.Account transfer back bank and public organizations send short messages and notify the user " you pay the fees many thanks in account transfer ".
Above described various advice methods for example " many thanks you account transfer pay the fees " etc., all be schematically, the various accommodations under the situation that does not break away from spirit of the present invention all belong to scope of the present invention.
Consult Fig. 2,, show the direction of communication with line between each device with the same among Fig. 1, the other numeral with the circle mark of line corresponding each step from step S1 to step S7.
Compare with the embodiment of Fig. 1, embodiment shown in Figure 2 slightly adjusts on step, and increased the step of user with mobile phone (3) affirmation payment by the transfer of account, be step S5, in addition, in the step of present embodiment, the user can also select to postpone to pay dues, and in step S5, the user is after answering bank incoming call back, by a numeral " X " expression please bank from now on " X " transfer accounts in the future, for example by 3 keyboards, expression requires account transfer behind from now on the 3rd day of bank, promptly, in this example, increased and not transferred accounts immediately, and delay several days the account transfer a step favourable to the user.
In Fig. 1 of the present invention and Fig. 2 example,, can will not confirm by predetermined way if think that the desired expense of public organizations is wrong, ignore, refusal is paid dues, then, hasten and this public organizations' contact, find out mistake, for example water rate should be handed over 80 yuan in every month, receiving 2000 yuan and become by this moon suddenly, must be problem where to have occurred, is that water meter has been broken, still at this moment other what problems will refuse account transfer, and this also is the advantage of method of the present invention, look over so as to check through the user earlier, passable, account transfer again.
Among Fig. 2 embodiment, aspect the telecommunication mode, except that adopting with the same common telecommunication mode of Fig. 1, also can adopt the DNA communication modes of Mr. Huang Jinfu invention, especially, wherein bank computer system (2) has adopted the DNA communication modes, and the related content of DNA communication modes can be consulted the multinomial patent of invention content of submitting in Patent Office of the People's Republic of China before Mr. Huang Jinfu, as patent of invention number is 94105095.5 patent content.
Each step of the embodiment of Fig. 2 can be summarized as follows:
Phone number, Bank Account Number and user that the user at first registers oneself to bank be in data such as Inst account numbers, and sign power of attorney authorized bank according to user's confirmation, pays the fees for user's account transfer.Bank and public organizations will set up corresponding D NA fare payment system, are used for the affirmation information that process user pays the fees, and pay the fees for user's account transfer.
When Inst bill expires will pay the time, the for example electricity charge, water rate, gas charge, telephone charge, rent, overhead cost, tuition fee etc., this charge mechanism sends out a note and gives the user, tell the subscriber payment amount of money, these public organizations send the charge transfer request to bank after several minutes, computer system in the bank can be dialed subscriber phone number immediately, and the user knows the bank's incoming call and the amount of money of paying the fees from caller ID.The user answer the back just agree by agree password for example # confirm to pay the fees, bank check user's confirmation errorless after, just transfer accounts in user's the bank account and pay this Inst charge.Account transfer back bank and public organizations send short messages and notify the user " you pay the fees many thanks in account transfer ".Pay the fees if the user wants to delay several days, as long as answer the back by a numerical key, for example by 5, just represent that customer requirements just pays the fees after 5 days, the computer system after 5 days bank in can be beaten subscriber phone number once more, please the user pay the fees by the agreement password confirming.Date and time pay the fees like this by user oneself decision, just do not worry the worry of short deposit balance in the bank account.
More than explanation is schematically, and main foundation is the step of S1 to S7.
Consult Fig. 3 and Fig. 4, they are two examples of the note of paying dues (0) that adopts in the method for the present invention, the described note of paying dues (0) mainly comprises public organizations' title, the fees thus collected amount of money, the bill date, address name, the information of subscriber phone number, certainly also can comprise out of Memory such as bill number, but main contents can be exactly these several shown in Fig. 3 and Fig. 4.Fig. 3 is the bill that Gas Company issues user Chen Dawen, and this note of paying dues (0) has represented that Gas Company collects 260 yuan of the gas charges that should hand in October, 05 to Chen Dawen, and the phone number of Chen Dawen is 13902968888.The expression of the note of paying dues (0) of Fig. 4 example to be water supply company collect in October, 05 80 yuan of water rates to user Chen Dawen, the phone number of Chen Dawen is 13902968888.The example of the note of paying dues (0) can be enumerated a lot, and its main project has these just enough.
The enforcement of telecommunication method of the present invention can bring actual benefit to the user, has also increased the business of MCI.
Claims (8)
1. a telecommunication method of paying public organizations' expense is characterized in that, the step that has adopted the mode of the note of paying dues (0) to pay dues in the described method.
2. telecommunication method according to claim 1, described method comprise the steps,
Step 1, bank computer system (2) sets up agreement with each public organizations' computer system (1), the information of the note of paying dues (0) that process user is paid dues, pay dues for user's account transfer, and, the user registers its phone number (3) in each public organizations' computer system (1), and the user is to the phone number (3) of authorized bank of institute through the registered user oneself of its bank computer system (2), Bank Account Number and user are in the information of each Inst account number, and label power of attorney authorized bank replaces user's account transfer to pay dues according to the information that the user sends out the note of paying dues (0);
Step 2, described each public organizations will be when this user charges, and this public organizations' computer system (1) is sent the note of paying dues (0) to this user mobile phone (3), and the note of paying dues (0) is listed the charge mechanism and the amount of money of paying dues;
Step 3 when this user thinks that agreeing to pay this pays dues the amount of money, utilizes its mobile phone (3) that this note of paying dues (0) is forwarded to described bank computer system (2);
Step 4, the bank account that described bank computer system (2) finds out this user according to the caller ID of the note of paying dues (0) that receives reaches in this Inst account number, after the confirmation, just this Inst expense is handed in account transfer in this user's the bank account;
Step 5, bank computer system (2) sends short messages to this user mobile phone (3), informs that this expense account transfer of this user finishes.
3. as method as described in the claim 2, it is characterized in that described step can also comprise step 6, this public organizations' computer system (1) is after receiving that bank computer system (2) notifies this user's expense to pay, send note to this user mobile phone (3), inform and receive and pay dues.
4. method according to claim 1, described method comprise the steps,
Step S1, bank computer system (2) sets up agreement with each public organizations' computer system (1), the confirmation of paying dues of process user, pay dues for user's account transfer, and, the user registers its phone number (3) in each public organizations' computer system (1), and the user to the bank that holds in the palm through the registered user's oneself of its bank computer system (2) phone number (3), Bank Account Number and user are in the information of each Inst account number, and label power of attorney authorized bank pays dues for user's account transfer according to the confirmation of paying dues that the user sent out;
Step S2, described each public organizations will be when this user charges, and this public organizations' computer system (1) is sent the note of paying dues (0) to this user mobile phone (3), and the note of paying dues (0) is listed the charge organization names and the amount of money of paying dues;
Step S3, described public organizations computer systems (1) were sent the transfer request information of charging to this user to bank computer system (2) after several minutes;
Step S4, bank computer system (2) is in the predetermined short time, utilize DNA funds transfer system method, or the common telecommunication means of communication, dial this user's mobile phone (3) number, and the telephone number of bank is added the amount of money of paying dues, form a caller ID, with the caller ID display mode, on the screen of user's mobile phone (3), show, require the user to pay dues and confirm and require the user when to answer to transfer accounts;
Step S5, this user's mobile phone (3) is received the incoming call of bank computer system (2), see it is the amount of money of paying dues of the note of paying dues (0) bank's incoming call and the above-mentioned steps S2 from caller ID, whether the user can utilize its mobile phone (3) to answer to bank and pay dues, when not paying dues, incoming call answering is not ignored, perhaps behind the incoming call answering on mobile phone by the predetermined key of disagreeing with, pay dues with the expression refusal; When paying dues, need only incoming call answering, and on mobile phone, reply bank computer system (2) expression affirmation Instant Transfer and pay dues by predetermined acknowledgement key, or after pressing acknowledgement key, please bank postpone to transfer accounts to pay dues by a numeral, the numeral of this numerical key is exactly the number of days that delay is paid dues how much in the future; Also can represent bank to postpone incoming call once more how much in the future the user then just determines whether pay dues directly by a numeral behind incoming call answering;
Step S6, bank computer system (2) transfers accounts by the time of customer requirements after receiving that this user mobile phone (3) is answered affirmation, amount payable transferred to the described account of public organizations from this user account, and
After account transfer, bank computer system (2) sends short messages to this user mobile phone (3), informs that this expense account transfer of this user finishes.
5. as method as described in the claim 4, it is characterized in that described step can also comprise step S7, this public organizations' computer system (1) is after receiving that bank computer system (2) notifies this user's expense to pay, send note to this user mobile phone (3), inform and receive and pay dues.
6. as the described method of arbitrary claim of claim 1 to 5, it is characterized in that the described note of paying dues (0) mainly comprises public organizations' title, the fees thus collected amount of money, bill date, address name, the information of subscriber phone number.
7. as method as described in arbitrary claim of claim 1 to 6, described public organizations mainly comprise Gas Company, Utilities Electric Co., water supply company, telephone operator, house lease company, estate management mechanism, school.
8. method as claimed in claim 4 is characterized in that, wherein bank computer system (2) has adopted the DNA communication modes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200610034403 CN101042756A (en) | 2006-03-20 | 2006-03-20 | Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information |
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| Application Number | Priority Date | Filing Date | Title |
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| CN 200610034403 CN101042756A (en) | 2006-03-20 | 2006-03-20 | Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information |
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| CN101042756A true CN101042756A (en) | 2007-09-26 |
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| CN 200610034403 Pending CN101042756A (en) | 2006-03-20 | 2006-03-20 | Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information |
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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 |
| CN102693481A (en) * | 2011-01-24 | 2012-09-26 | 通用电气公司 | Method and system for payment of charges associated with charging an electric vehicle |
| CN104123638A (en) * | 2014-07-18 | 2014-10-29 | 重庆市博恩科技(集团)有限公司 | Convenient short message payment system and method |
| CN109658196A (en) * | 2018-12-21 | 2019-04-19 | 万翼科技有限公司 | Management method, device and the computer readable storage medium of public-works spending |
| CN114140108A (en) * | 2021-12-08 | 2022-03-04 | 国网雄安金融科技集团有限公司 | 5G message-based electricity fee payment method and system |
-
2006
- 2006-03-20 CN CN 200610034403 patent/CN101042756A/en active Pending
Cited By (6)
| 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 |
| CN102693481A (en) * | 2011-01-24 | 2012-09-26 | 通用电气公司 | Method and system for payment of charges associated with charging an electric vehicle |
| CN102693481B (en) * | 2011-01-24 | 2017-08-25 | 通用电气公司 | Method and system for the Zhi Fuyu charges for associating electric vehicle charging |
| CN104123638A (en) * | 2014-07-18 | 2014-10-29 | 重庆市博恩科技(集团)有限公司 | Convenient short message payment system and method |
| CN109658196A (en) * | 2018-12-21 | 2019-04-19 | 万翼科技有限公司 | Management method, device and the computer readable storage medium of public-works spending |
| CN114140108A (en) * | 2021-12-08 | 2022-03-04 | 国网雄安金融科技集团有限公司 | 5G message-based electricity fee payment method and system |
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