CN101350088A - System and method for implementing multi-terminal mutual business between users - Google Patents

Abstract

The invention relates to a system which realizes a plurality of terminal intercommunication transactions between users, in particular to the system which compiles all attribute information of the users into a user code to realize a plurality of terminal communications and transactions between the users to solve the problems which are related with an existing mode of payment that fee paying units are various, the settlement of transactions is not convenient, an existing one number connecting system management terminal has few devices, the device type is single, and the users only can communicate in a telecommunication network. The system comprises a data processing unit and a data base storage unit, wherein the data processing unit compiles a unique user code and a virtual wallet account which is named with the user code for a new user, processes trading instructions, calls to connect other user instructions, inquires and checks information instructions, and the users use the user code to log on the system to deal through the terminal devices and also can call other user codes to build connection for the terminal devices on two sides through the system. The invention also discloses a method for realizing a plurality of terminal intercommunication transaction between the users.

Description

Realize the system and the method thereof of the multiple terminal mutual business between the user

Technical field

The present invention relates to communication and field of computer technology, particularly a kind of all properties information unified organizational system the user be one subscriber-coded, the system and the method thereof of the multiple terminal mutual business of realization between the user.

Background technology

In actual life, user's alternating current words, water power gas charge are gone to bank outlets usually, can also pay the fees by Web bank's client, but other expense such as road toll, premium of insurance, medical insurance, social security are paid the fees and must be paid to corresponding unit, Alipay is used in shopping online, shopping off the net can't use Alipay then to need to pay in cash, and strange land shopping is often used credit card for safety, more than severally pay the fees, the modes of payments all can't be unified in the system and finish.Individual and enterprises and institutions' foreign exchanges, information such as the phone that the business card that uses is put down in writing, address, Bank Account Number, E-mail address number of the account, other communication account numbers are not easy to memory, information changes such as phone, mailbox can't produce the interlock effect, if then must be notified friend or user.One number service (Universal Personal Telecommunication is called for short UPT) claims universal personal Telecommunication again, is an a kind of value-added telecom service of releasing for the personalized communication that satisfies the user requires.One number service adopts single one number service number to get up user's phone, mobile phone unified management, and allows the user that the phone number of binding independently is set.The calling party is by phone or mobile phone dialing one number service number, obtains the phone number of called subscriber's one number service number binding through operator's local side apparatus inquiry one number service server, sets up being connected of calling party and called subscriber.Existing one number service system has only solved the user and has changed the problem that phone number need be issued a separate notice, if user's out of Memory change one number service does not just have solution.

Summary of the invention

The present invention provides the system and the method thereof that realize the multiple terminal mutual business between the user for solve the problem that paying entity is various, settlement of transactions is inconvenient and existing one number service system manager terminal number of devices is few, device type is single, the user can only link up that the existing modes of payments relates in telecommunications network.

A kind of system that realizes the multiple terminal mutual business between the user comprises: data processing unit, database storage unit, and described data processing unit comprises:

When receiving the log-on message of new user by the requirement of terminal device submission system, for this user works out unique subscriber-coded virtual wallet account that reaches with this coding name, set up the customer data base of naming with this coding in database storage unit, pass this coding back calling terminal, this new user further is provided with its sub-coded message under subscriber-coded, with the information updating submitted to the customer data base to database storage unit;

When the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by the Query Database storage unit, finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit, feeds back the binding terminal of this result to calling terminal and both parties user;

When the message that receives calling terminal connects other user instruction message for calling out, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by the Query Database storage unit, group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, be that calling terminal and this terminal connect by data processing unit.

The invention also discloses the method for the multiple terminal mutual business between a kind of user of realization, comprising:

Step a, registered user's coding and virtual wallet account are provided with son coding and relevant information;

Step b, when data processing unit receives trading instruction message execution in step c; Execution in step d when data processing unit receives other user instruction message of calling connection;

Step c, when the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by the Query Database storage unit, finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit, feeds back the binding terminal of this result to calling terminal and both parties user;

Steps d, when the message that receives calling terminal when call out connecting other user instruction message, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by the Query Database storage unit, group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, be that calling terminal and this terminal connect by data processing unit.

Beneficial effect: system of the present invention uses the unique encoding management; set up the unique identification of data by the method for setting up the Unified coding rule; and obtain all properties information of this identifying user by this unique sign; all terminal devices of centralized management user; realize the virtual wallet account charging by native system; transfer accounts between account; account pay the fees shopping and operation such as account clearing; further realize all terminal devices with subscriber-coded this user of binding; by the subscriber-coded imformation memory amount of having simplified people; need not remember complicated user profile; calling out other users only need remember subscriber-coded; make between the user link up more convenient; compared with traditional one number service system; information by an encode management is more; and can be by system maintenance; upgrade the binding information of oneself; other people only knows that this user's is subscriber-coded; can't know other important information, thereby protect this user's private information that the information that prevents is by illegal enterprise or individual's dealing.

Description of drawings

Fig. 1 is a system architecture synoptic diagram of the present invention, marker annotations: D, network insertion and data processing centre's server; E2, instant messaging transaction client computer

Fig. 2 is system of the present invention and applications equipment connection structure synoptic diagram, marker annotations: A, user terminal; B, call center; D, network insertion and data processing centre's server; E, transaction terminal; E2, instant messaging transaction client computer

Fig. 3-A is the flow process that account business transaction order generates that is deferred to of the present invention; And trading order form generates the treatment scheme of transferring accounts back target date

Fig. 3-B is the treatment scheme that trading order form of the present invention generates the back pre arranged trading; And trading order form generates the treatment scheme of back guarantee transaction

Fig. 3-C is that trading order form of the present invention generates the treatment scheme of borrowing money and conclude the business in the back

Fig. 4 is that data processing unit D1 of the present invention sends the flow process that trading instruction is handled to instant messaging transaction client computer E2

Fig. 5-A is after enterprise customer of the present invention passes through three kinds of mode login systems, client-side display mode and configuration information; And the personal user is by after the dual mode login system, client-side display mode and configuration information

Fig. 5-B is personal user's instant communication client side configuration information of the present invention and the corresponding information of son coding of launching to show the coordinator

Embodiment

Need to prove: referring to Fig. 2, Website server B1 is used to provide user's page space, and attribute of user information is set, and utilizes the client calls of embedded web page to get in touch with other users; Mail server B2 is used to offer the user email service; Call center B is used to offer the access and the exhalation of user speech, and wherein primary module B4 in call center's is used to control Fax Server B3, short message server B5, VOIP server B 6; Described VOIP server B 6 connects operator's local side apparatus and calls out traditional landline telephone or mobile phone; Traditional one number service flow process is that the user passes through phone or mobile phone dialing one number service number, obtains the phone number of called subscriber's one number service number binding through operator local side apparatus inquiry one number service server B 7, sets up being connected of calling party and called subscriber; PARLAY gateway server F is used to realize ParlayAPI, finishes agreement and signaling exchange by IP network and soft switch, finishes the access of multiple user terminal or the control that user terminal is made a call; Described PARLAY gateway server is mutual by comprising SIP, MGCP, H323 broadband control protocol and signaling and soft switch, described PARLAY gateway server has been realized the ParlayAPI standard, the shielding bottom-layer network inserts, provide various capability sets to call simultaneously, provide standard, opening, unified interface application layer to the data processing unit D1 of application layer; Aforesaid is existing known technology, does not narrate in the embodiment.

Core concept of the present invention is: with user's all properties message identification be one unique subscriber-coded, the user is provided with relevant informations such as commodity coding, contact scheme coding voluntarily; Encode when other people pass through the terminal device calling party, system connects according to the terminal device of instruction for calling terminal and called end; When the user sends trading instruction by terminal device, system settles accounts for both parties' virtual wallet account according to instruction.It is subscriber-coded that son coding comprises, and sees whom commodity coding is with regard to the seller who knows these part commodity, have problem can call out this subscriber-coded just can be in time and seller's communication.

Embodiment one: referring to Fig. 2, the system of the multiple terminal mutual business between a kind of user of realization of present embodiment comprises: data processing unit D1, database storage unit D2,

Described data processing unit D1 comprises:

When receiving the log-on message of new user by the requirement of terminal device submission system, for this user works out unique subscriber-coded virtual wallet account that reaches with this coding name, set up the customer data base of naming with this coding at database storage unit D2, pass this coding back calling terminal, this new user further is provided with its sub-coded message under subscriber-coded, with the information updating submitted to the customer data base to database storage unit D2;

When the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit D2, finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit D2, feeds back the binding terminal of this result to calling terminal and both parties user;

When the message that receives calling terminal connects other user instruction message for calling out, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by Query Database storage unit D2, group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, be that calling terminal and this terminal connect by data processing unit D1.

New user (individual and enterprises and institutions) proposes register requirement to system, simultaneously submission system is required mainly comprises title, ID (identity number) card No. or operation license number, user cipher, the cell-phone number of binding, the account No. of binding, the address, phone number, cell-phone number, Fax number, pay the fees document number of water power coal gas, E-mail address number of the account etc. and subscriber-related information, be signed and issued to the lifelong unique subscriber-coded virtual wallet account that reaches with this coding name of user by system, subscriber-coded implication has contained all information of user property, and system's information needed example is as shown in the table:

Coding	Title		①	②	③	④	⑤	⑥	⑦	⑧	⑨	⑩	The nationality	…	Other
																136	Zhang San	…	…	…	…	…	…	…	…	…	…	…	…	…
047	METRO	…	…	…	Do not have	Do not have	Do not have	Do not have	…	…	…	…	…	…

The implication of label shown in the last table: 1., ID (identity number) card No. or operation license number; 2., user cipher; 3., the card number of non-contact IC card G (comparison information); 4., fingerprint recognition information (comparison information); 5., face recognition information (comparison information); 6., iris recognition information (comparison information); 7., palm type identifying information (comparison information); 8., Bang Ding cell-phone number; 9., Bang Ding account No.; 10., the virtual wallet account balance, comparison information is use when the user needs further identity verification with non-contact IC card transaction or other.

Coding rule: the subscriber-coded of system is " 0 "; The subscriber-coded of system contact staff is front two " 00 "+" nonzero digit ", example: 001; Personal user's coding is that enterprises and institutions coding first place is " 0 ", example: individual 136, unit 047 with the difference of enterprises and institutions' coding;

The son coding constitutes: unit traction equipment coding is " subscriber-coded "+" * * * "+" lower Item ", example: 047***001; Unit organization personnel, instant communication client coding and contact scheme coding are " subscriber-coded "+" * "+" lower Item ", example: 047*003; The coding that unit manages commodity is " subscriber-coded "+" * * "+" lower Item ", example: 047**00042; The coding of one-man business commodity is " subscriber-coded "+" * * "+" lower Item ", example: 136**00013; The son coding of individual's instant communication client coding and contact scheme is " subscriber-coded "+" * "+" lower Item ", example: 136*001.The binding information example is as shown in the table:

Subscriber-coded	Encoded attributes	Title	The binding rank	Mobile phone	The E-mail address
						0	The system coding of native system	System	The C level	Do not have	0@***.com
001	Native system contact staff coding	The contact staff	The C level	131***	001@***.com
						123667	Personal user's coding	Jerry	The C level	130***	123667@***.com
123667*001	Instant communication client and 001 contact scheme	Jerry	The A level	139***	777jerry@163.com
						123667**001	Individual's transaction commodity coding	Rechargeable card	Do not have	Do not have	Do not have
123667***001	Individual terminal devices coding	Instant messaging	Do not have	Do not have	Do not have
						123667#001	The cohort of instant messaging is subscriber-coded	No. 001 group	Do not have	Do not have	Do not have
047	Unit is subscriber-coded	METRO	The C level	131***	047@***.com
						047*001	Establishment officer's son coding and 001 contact scheme	The general manager (GM)	The A level	139***	cool@163.com
047*002	Establishment officer's son coding and 002 contact scheme	Finance Li Si	The C level	138***	047.002@***.com
						047**001	Unit transaction commodity coding	The 1G card	Do not have	Do not have	Do not have
047***001	Unit terminal device coding	Instant messaging	Do not have	Do not have	Do not have
						047#001	The cohort coding of instant messaging	No. 001 group	Do not have	Do not have	Do not have
047*002#003	The cohort that user 047*002 sets up	No. 003 group	Do not have	Do not have	Do not have
						The * of Ai Ou company 006	Establishment officer's son coding and 006 contact scheme	Sell Zhang San	The B level	132***	77@yahoo.com
The * * of Ai Ou company 001	Unit transaction commodity coding	mp3	Do not have	Do not have	Do not have
						The #001 of Ai Ou company	The cohort coding of instant messaging	No. 001 group	Do not have	Do not have	Do not have
ok*002	The 002 contact scheme of user ok	User ok	The B level	136***	ok@yahoo.com
						ok**001	The transaction commodity coding of user ok	mp4	Do not have	Do not have	Do not have

Last table binding rank comprises: A level, B level, C level, C level are the ranks of system default, and any visitor comprises that the user outside the system can paging call; The B level limits intrasystem registered user's paging call, and promptly intrasystem registered user is B level coordinator; The A level limits the intrasystem registered user who also needs encoded owner checking to pass through, i.e. A level coordinator, but paging call, only other customer calls use as: during the form of 9527*001, system just verifies the binding rank.Subscriber-codedly can also adopt e-mail address or trading company of enterprise to represent or the individual character coding of oneself customization, can only select a kind of in several coded systems, son coding mainly by " * " symbol as separator, because the keyboard of phone has only " numeral " key and " *, # " key, so the combination of native system preferred " numeral " and " *, # " is as subscriber-coded formation element.

System is signed and issued to user's subscriber-coded process and is made up of following steps:

A: the user is by the new user's request instruction of terminal device submit applications message;

B: data processing unit D1 passes to calling terminal to the interactive mode registration page;

C: user's add-on system required with this subscriber-related attribute information;

D: subscriber-coded unique of data processing unit D1 and with the virtual wallet account of this coding name for the user works out, notification database storage unit D2 duplicates template database and sets up customer data base and the corresponding tables of data of naming with this coding, notice Website server B1, mail server B2 open the account with this coding name, should subscriber-codedly pass calling terminal back;

E: the user by terminal son coding under this coding and sub-information encoded, the information of payment binding commonly used further are set, the tabulation and the terminal of binding terminal answered policy information, this user's data storehouse of data processing unit D1 registered user's data to data library storage cells D 2.

Example: the cell-phone number 130*** of user Jerry, landline telephone * * *, QQ numbers 249578468 and 379997557, Email 777jerry@163.com, MSN 249578468@qq.com, non-contact IC card card number * * *, account No. * * *, electricity charge payment binding Shanghai 0178 number of the paying the fees 6*** of power administration, the social security payment binding Shanghai number of the paying the fees 7*** of social security office, out of Memory ... user Jerry is by application and the required information of submission system, obtain subscriber-coded 123667 and virtual wallet account 123667, and be its network address 123667.***.com that opens at Website server B1, the mail account 123667@***.com that opens on the mail server B2.

Can embody subscriber-coded convenience by last example, its user's all properties information is by a code identification, and the user need not remember loaded down with trivial details number of the account or number information.

Referring to Fig. 2, example: user 132 transfers accounts 100.00 yuan by system to user 256.

Concrete steps are: when data processing unit D1 receives user 132 when user 256 transfers accounts both sides' trading instruction information of 100.00 yuan; According to end message and the both sides virtual wallet account initial value of instruction Query Database storage unit D2 about both parties' binding; Carry out that side's account subtracts the change value, other side's account adds the change value, virtual wallet account 132 subtracts 100, virtual wallet account 256 adds 100; The result is deposited in the customer data base of database storage unit D2; Data processing unit D1 feedback result is given calling terminal; Send the terminal of result to user's 132 bindings; Send the terminal of result to user's 256 bindings.

Example: user 132 calls out by terminal request and connects user 256.

Concrete steps are: when data processing unit D1 receives user's 132 request calls connection user's 256 command information; D2 answers tabulation about called subscriber 256 binding end message and predefined terminal according to instruction Query Database storage unit; Data processing unit D1 is grouied busy by tabulation or along the terminal of exhaling the called subscriber to bind, up to there being the terminal feedback to answer signal, is that calling terminal and this terminal connect by data processing unit D1.

Example: user 132 calls out the terminal that connects user's coding 256*001 binding by terminal request.

Concrete steps are: when data processing unit D1 receives the command information of user's 132 request calls connection user coding 256*001; Answer strategy according to instruction Query Database storage unit D2 about binding end message and the predefined terminal of called subscriber's coding 256*001; System verification calling party coordinator's rank, if be the C level, then have no right to visit, the feeding back unsuccessful result, if the calling party is callee's B level or A level coordinator, data processing unit D1 is grouied busy by tabulation or along the terminal of exhaling the called subscriber to bind, up to there being the terminal feedback to answer signal, is that calling terminal and this terminal connect by data processing unit D1.

Embodiment two: referring to accompanying drawing 2, present embodiment also comprises on the basis of embodiment one described system: hang the easy processing unit D3 of single cross,

The easy processing unit D3 of described extension single cross, comprise: when be deferred to account business transaction instruction message comprising of reception data processing unit D1 transmission, according to instruction generate trading order form and in transaction initiator's account the locked transaction volume be equal to numerical value, feed back to calling terminal, when trigger condition is to receive the trading instruction message of progress of user feedback order or system when handling overdue predetermined order every day, D2 obtains corresponding information by the Query Database storage unit, finish corresponding extension forms data processing according to transaction progress and trading instruction, the result is updated to database storage unit D2, and feedback result is to the terminal of calling terminal and both parties' binding; And

Described data processing unit D1 also comprises:

When the trading instruction message that receives comprises when being deferred to account business transaction instruction message, this instruction message sent to hang the easy processing unit D3 of single cross and handle.

Referring to Fig. 3-A, Fig. 3-B, Fig. 3-C, described be deferred to the account business comprise transfer accounts target date, pre arranged trading, guarantee transaction, loaning bill transaction flow; The flow processing user that transfers accounts described target date specifies following some dates to carry out the business of payment; Described pre arranged trading flow processing consumer premise ticket, room etc. need the business of the other side's feedback information; The business of described guarantee transaction flow processing user commodity transaction; The business of borrowing or lending money between the described loaning bill transaction flow process user.

Below be to be deferred to the flow process that account business transaction order generates:

Step 01, user's first transmission lag arrive data processing unit D1 to the trading instruction of account business; Step 02, data processing unit D1 send this trading instruction to hanging the easy processing unit D3 of single cross; Step 03, the easy processing unit D3 of extension single cross about the initial value of Party A's virtual wallet account, inquire about the end message that both sides bind according to instruction Query Database storage unit D2; Step 04, the easy processing unit D3 of extension single cross generate order according to instruction, carry out the initial value of Party A's account and pay less easy total value; Step 05, hang the easy processing unit D3 of single cross and deposit this order in database storage unit D2 " reservations database ", register initial stateful transaction information, deposit result of calculation in customer data base; The terminal that step 06, the easy processing unit D3 of extension single cross bind to user's first to calling terminal, transmission result through the data processing unit feedback result; Step 07, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's second through data processing unit.

Below be that trading order form generates the treatment scheme of transferring accounts back target date:

Step 101, hanging the easy processing unit D3 of single cross, to extract " executive condition " field contents every day from database storage unit D2 " reservations database " be that the order on date on the same day is handled; Step 102, the easy processing unit D3 of extension single cross are worth about the end message of both parties' binding and Party B's virtual wallet account beginning according to order Query Database storage unit D2; Step 103, the easy processing unit D3 of extension single cross carry out the total transaction amount that Party B's virtual wallet account adds this order; Step 104, hang the easy processing unit D3 of single cross and deposit the result customer data base of database storage unit D2 in, the stateful transaction of this order is labeled as " Transaction Success "; Step 105, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's first through data processing unit; Step 106, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's second through data processing unit; Step 107, the easy processing unit D3 of extension single cross continue to handle next bar order, and the order processing until all dates on the same day finishes, and finishes.

Below be the treatment scheme that trading order form generates the back pre arranged trading:

The trading instruction of the predetermined result of step 201, the predetermined order of user's second feedback is to data processing unit D1; Step 202, data processing unit D1 send this trading instruction to hanging the easy processing unit D3 of single cross; Step 203, the easy processing unit D3 of extension single cross judge: carry out A204 flow process if feedback information is " predetermined failure "; If being " being scheduled to successfully ", feedback information carries out the B204 flow process;

Steps A 204, hang the content of the easy processing unit D3 of single cross Query Database storage unit D2 about this order, the end message of inquiry both parties binding; Steps A 205, the easy processing unit D3 of extension single cross are with this order registration " predetermined failure " state; Steps A 206, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to the binding of user's second through the data processing unit feedback result; Steps A 207, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's first through data processing unit.

Step B204, the easy processing unit D3 of extension single cross Query Database storage unit D2 are about the content of this order, the end message of inquiry both parties binding and both sides' the initial value of virtual wallet account; Step B205, the easy processing unit D3 of extension single cross carry out the total transaction amount that the initial value of Party A's account subtracts this order according to instruction, and the initial value of Party B's account adds total transaction amount; Step B206, the easy processing unit D3 of extension single cross deposit result of calculation in customer data base, with this order registration " being scheduled to successfully " state; Step B207, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to the binding of user's second through the data processing unit feedback result; Step B208, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's first through data processing unit.

Below be the treatment scheme that trading order form generates the back guarantee transaction:

After step 301, the Party B's delivery, the trading instruction of the progress msg of feedback guarantee order is to data processing unit D1; Step 302, data processing unit D1 send the trading instruction of this order implementation status to hanging the easy processing unit D3 of single cross; Step 303, the easy processing unit D3 of extension single cross are according to the content of instruction Query Database storage unit D2 about this order, the end message of inquiry both parties binding; Step 304, the easy processing unit D3 of extension single cross are " seller's delivery waits for that the buyer examines goods " with this doconent transaction status indication; Step 305, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to the binding of user's second through the data processing unit feedback result; Step 306, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's first through data processing unit;

After step 307, Party A examine goods, the trading instruction of the progress msg of feedback guarantee order; Step 308, the easy processing unit D3 of extension single cross send the trading instruction of this order implementation status; Step 309, the easy processing unit D3 of extension single cross about this document content, inquire about the end message of both parties' binding according to instruction Query Database storage unit D2, and Party B's virtual wallet account beginning value; Step 310, the easy processing unit D3 of extension single cross add the total transaction amount of this order according to the beginning value of instruction execution Party B account; Step 311, the easy processing unit D3 of extension single cross deposit result of calculation in customer data base, are " closing the transaction " with this doconent transaction status indication; Step 312, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to the binding of user's first through the data processing unit feedback result; Step 313, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's second through data processing unit.

Below be that trading order form generates the treatment scheme of borrowing money and conclude the business in the back:

The agreement result's of step 401, user's second feedback loaning bill order trading instruction is to data processing unit D1; Step 402, data processing unit D1 send this trading instruction to hanging the easy processing unit D3 of single cross; Step 403, the easy processing unit D3 of extension single cross are according to the content of instruction Query Database storage unit D2 about this order, the end message of inquiry both parties binding and Party B's initial value of virtual wallet account; The initial value of account that step 404, the easy processing unit D3 of extension single cross carry out the Party B according to instruction adds total transaction amount; Step 405, hang the easy processing unit D3 of single cross and deposit result of calculation the customer data base of database storage unit D2 in, this order registration " loaning bill is transferred accounts, and waits for that the Party B refunds " state; Step 406, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to the binding of user's second through the data processing unit feedback result; Step 407, the easy processing unit D3 of extension single cross send the terminal of result to the binding of user's first through data processing unit.

Step 408, when the Party B refunds, the trading instruction that feedback loaning bill order is refunded is to data processing unit D1; Step 409, data processing unit D1 send this trading instruction to hanging the easy processing unit D3 of single cross; The content that step 410, the easy processing unit D3 of extension single cross inquire about this order according to instruction, the end message of inquiry both parties binding and both sides' virtual wallet account beginning value; The initial value of account that step 411, the easy processing unit D3 of extension single cross carry out the Party B according to instruction subtracts the change value, and the initial value of Party A's account adds the change value; Step 412, the easy processing unit D3 of extension single cross deposit result of calculation in customer data base, with this order registration " loaning bill is paid off, and receipt cancels " state; Step 413, the easy processing unit D3 of extension single cross to calling terminal, send the terminal of result to Party B's binding through data processing unit D1 feedback result; Step 414, the easy processing unit D3 of extension single cross send the terminal of result to Party A's binding through data processing unit D1.

Embodiment three: referring to accompanying drawing 2, present embodiment also comprises on the basis of embodiment one or two described systems: Message Processing converting unit D4,

Described Message Processing converting unit D4 is used to receive the data of the calling terminal that data processing unit D1 sends, and finishes identification and the conversion of a kind of data type to another data type, with the transformation result feedback with data processing unit D1; And

Described data processing unit D1 also comprises:

When data processing unit D1 is that calling terminal and terminal called are when connecting, calling terminal and this called terminal are not terminals of the same type, will send to the terminal of sending to this connection after identification that Message Processing converting unit D4 carries out the corresponding data type is changed from the data of calling terminal.

Referring to Fig. 2, user terminal A comprises: other system client A1, instant communication client A2, wireless terminal A3, computer A 4, Mail Clients A5, facsimile recorder A6, landline telephone A7, mobile phone A 8, VOIP phone A9; Described wireless terminal A3 comprises mobile phone or PDA or the computing machine that can get online without being tethered to a cable;

Device attribute comprises speech ciphering equipment, data equipment, phonetic image data mixing equipment;

Described speech ciphering equipment comprises: landline telephone A7, mobile phone A 8, VOIP phone A9;

Described phonetic image data mixing equipment comprises: instant communication client A2, wireless terminal A3, computer A 4, Mail Clients A5, facsimile recorder A6.

Example: the user 123667, and QQ numbers 249578468, call out the user 9527 of native system by QQ, and the instant messaging client computer 9527 of inquiry native system is online, and both sides' equipment is connected.

Detailed process is: the QQ system sends to data processing unit D1 message related to calls: QQ249578468 calling party 9527, obtain the terminal device information and the 9527 predefined binding terminal lists of user's 9527 bindings by Query Database storage unit D2, group busy or suitable several terminal devices of exhaling the called subscriber to bind according to tabulation, inquiry at last confirms that 9527 instant messaging client computer is online, by data processing unit D1 is that the instant messaging client computer of QQ249578468 and 9527 connects, and either party all can disconnect connection; In like manner 9527 processes of calling out 123667 QQ end from the instant messaging client computer are set up.

Example: user 9527 is by call user 123667, and answering that the called subscriber sets in advance has instant messaging client computer, mobile phone, mailbox in the tabulation, and the line is busy, instant messaging client computer off-line to call out its mobile phone of inquiry confirmation, sends voice mail.

Detailed process is: the user 9527 call center B that makes a telephone call to, according to voice suggestion selective call user 123667, call instruction sends to data processing unit D1 through call center B, by Query Database storage unit D2 obtain 123667 the binding the terminal device information and the terminal that sets in advance answer tabulation, group busy or suitable terminal device of exhaling binding according to tabulation, the line is busy, instant messaging client computer off-line to call out its mobile phone of inquiry confirmation, tone information discerned the storaged voice mail in the 123667@***.com mailbox of mail server through Message Processing converting unit D4.

Example: user 123667 is by instant communication client A2 calling party 9527 mobile phone.

Detailed process is: receive the call request of arrival instant communication client A2 as data processing unit D1, Query Database storage unit D2 obtains the cell-phone number of user's 9527 bindings, and the instant communication client A2 that sets up user 123667 by data processing unit D1 is connected with user 9527 mobile phone.

Example: user 123667 is by call user 9527 facsimile recorder.

Detailed process is: the user 123667 call center B that makes a telephone call to, select voice this function of larding speech with literary allusions according to voice suggestion, data processing unit D1 receives the message related to calls from call center B, Query Database storage unit D2 obtains the Fax number of user's 9527 bindings, speech recognition conversion by Message Processing converting unit D4 becomes text message, the result is sent to user 9527 facsimile recorder by Fax Server B3.

The identification switch technology of described Message Processing converting unit D4 adopts existing known technology, specifically can be by computer telephone integration (CTI:Computer Telephony Integration) technology, sound/character switch technology (TTS:Text To Speech, the conversion of literary composition language; STT:Speech To Text, the conversion of literary composition language) etc., or, do not do detailed description herein with plug-in unit aid identification translation data.

Embodiment four: referring to accompanying drawing 2, present embodiment also comprises on the basis of embodiment one or two or three described systems: instant messaging transaction client computer E2,

Described instant messaging transaction client computer E2 connects settlement of transactions server E21, comprise: instant communication client, IC-card read write line, expansion module, be used to receive the trading instruction message that data processing unit D1 sends, this message is sent to settlement of transactions server E21 handles, obtain feeding back this result to data processing unit D1 after the result; When the user uses non-contact IC card G when transaction, send trading instruction message and handle to data processing unit D1, obtain feedack, the data in the particular data district of non-contact IC card G are carried out read-write operation; And

Described data processing unit D1 also comprises:

Be used to handle trading instruction message from instant messaging transaction client computer E2, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit D2, through after the information comparison, finish the conversion of both parties' virtual wallet account actual expenses according to instruction, result of calculation is updated to database storage unit D2, feeds back this result and give calling terminal; When the user sends immediately to account trading instruction message by terminal device, obtain by the initial value of subscriber-coded user binding information that parses and both parties' account by Query Database storage unit D2, finish the conversion of actual value according to instruction linking objective instant messaging transaction client computer E2, the result is updated to database storage unit D2, and feedback result is to the terminal of both sides' binding.

Referring to Fig. 2, transaction terminal E identification reporting system non-contact IC card, comparison information such as fingerprint, described transaction terminal E comprises wireless transactions terminal E1, instant messaging transaction client computer E2, off-line trading client computer E3, described wireless transactions terminal E1 comprises wireless terminal, the IC-card read write line, described instant messaging transaction client computer E2 comprises instant communication client, the IC-card read write line, expansion module, described instant communication client connects settlement of transactions server E21, described settlement of transactions server E21 is the user's of unit a settlement of transactions equipment, is used for handling automatically transaction data; Described IC-card read write line is used for the reading and writing data to the small amount account in the specific data storages district of non-contact IC card G, described expansion module is to comprise: fingerprint, iris, the face recognition biometric apparatus, can also comprise the all-purpose card controller, described transaction terminal E also reports system and loses the card number information of big non-contact IC card G and register to the blacklist tables of data, when the blacklist tables of data is downloaded in off-line trading client computer E3 request, data processing unit D1 feeds back to off-line trading client computer E3 by the blacklist tables of data that Query Database storage unit D2 obtains non-contact IC card G.

The user operates by transaction terminal E, imports subscriber-coded, dealing money, information comparison classification code, by IC-card read write line or bio-identification module scanning " comparison information ", waits to be feedback; Transaction terminal E sends to data processing unit D1 according to user's input information formation both sides trading instruction, obtain comparing successfully back result calculated, the user receives the transaction note, locked this user's of answer short message reporting system the virtual wallet account if the user has objection.

Pay the bill or supplement order format with money and be: " subscriber-coded " * " information comparison classification code " * " comparison information " * " user's virtual wallet account " * " change value " * " handling institution's virtual wallet account " * " change value ";

The form that the small amount stored value card is supplemented instruction with money is: " subscriber-coded " * " information comparison classification code " * " comparison information " * " user's virtual wallet account " * " change value " * " this is subscriber-coded " *;

The categorised content of " information comparison classification code " is as follows:

0 user cipher; The card number of 1 non-contact IC card G; 2 fingerprint recognition information;

3 face recognition information; 4 iris recognition information; 5 palm type identifying informations.

See accompanying drawing 2, when the user submits transaction request to by instant messaging transaction client computer E2, example: Zhang San 136 to METRO 047 by 300 yuan of non-contact IC card G consumption after, be 600 yuan of own virtual wallet account chargings, be again that the small amount stored value card of oneself is supplemented 100 yuan with money.

The command format that sends to both sides' trading instruction information of data processing unit D1 comprises:

1, payment instruction: 136*1* " IC-card number " * 136* reduces 300.00*047* and increases by 300.00

2, supplement instruction with money: 136*1* " IC-card number " * 136* increases 600.00*047* and reduces 600.00

3, the small amount stored value card is supplemented instruction with money: 136*1* " IC-card number " * 136* reduces 100.00*136*

Detailed process is: from the information of instant messaging transaction client computer E2 is that * 136* reduces 300.00*047* to payment instruction: 136*1* " IC-card number " increases at 300.00 o'clock, data processing unit D1 obtains the 136 user Zhang San's that parse the information and the initial value of virtual wallet account of both parties 136 and 047 by Query Database storage unit D2, according to instruction from instant messaging transaction client computer E2, the beginning value of finishing beginning value the minimizing 300 and 047 virtual wallet account of 136 virtual wallet accounts increases by 300 computing, result of calculation is returned to instant messaging transaction client computer E2 and upgrade this result to database storage unit D2 and by short message server B5 transmission transaction results note to 136 binding mobile phone;

From the information of instant messaging transaction client computer E2 for supplementing instruction with money: 136*1* " IC-card number " * 136* increase 600.00*047* reduces at 600.00 o'clock, data processing unit D1 obtains the 136 user Zhang San's that parse the information and the initial value of virtual wallet account of both parties 136 and 047 by Query Database storage unit D2, according to instruction from instant messaging transaction client computer E2, the beginning value of finishing 136 virtual wallet accounts increases the computing of the beginning value minimizing 600 of 600 and 047 virtual wallet account, result of calculation is returned to instant messaging transaction client computer E2 and upgrade this result to database storage unit D2 and by short message server B5 transmission transaction results note to 136 binding mobile phone, this operation is equivalent to 047 and withdraws deposit;

Information from instant messaging transaction client computer E2 is supplemented instruction with money for the small amount stored value card: 136*1* " IC-card number " is when * 136* reduces 100.00*136*, data processing unit D1 obtains the 136 user Zhang San's that parse information and the initial value of virtual wallet account by Query Database storage unit D2, according to instruction from instant messaging transaction client computer E2, the beginning value of finishing 136 virtual wallet accounts reduces by 100 computing, the result is updated to database storage unit D2 and sends transaction results note to 136 binding mobile phone by short message server B5, at last with result of calculation with agree that the order that the small amount stored value card is supplemented with money returns to instant messaging transaction client computer E2, the beginning value of ad-hoc location that is read the data field of non-contact IC card G by the IC-card module for reading and writing adds that the result of change value upgrades back the ad-hoc location of the data field of this non-contact IC card G;

When using non-contact IC card G to carry out the consumption of small amount stored value card, only need the input amount information, read card and can finish clearing, detailed process: the IC card numbers and the comparison of IC-card blacklist of reading by the IC-card read write line of off-line trading client computer E3, confirm that this card is for behind the available card, the result that the beginning value of ad-hoc location that the IC-card module for reading and writing reads the data field of non-contact IC card G deducts the change value upgrades back the ad-hoc location of the data field of this non-contact IC card G, and sends the order of passing through to expansion module.

When the user submitted transaction request to by user terminal A, example was as shown in the table:

Numerical coding	Title	Bank Account Number	Cell-phone number	Phone	Water rate payment binding	Property fees payment binding	…	Electricity charge payment binding
									9527	Tang Baihu	……	……	…	……	……	…	……
0178	Shanghai power administration	……	……	…	……	……	…	……

Example: Tang Baihu will hand over 50 yuan of electricity charge, the reporting system of sending short messages: " user 9527 hands over 50 yuan of electricity charge ", system finds the paying electric charge number of 9527 correspondences, connect 0178 client and number pay the fees 50 yuan by paying electric charge, the feedback of succeeding, system's execution command: virtual wallet account 9527 reduces 50 yuan, and virtual wallet account 0178 increases by 50 yuan, send short messages to user 9527: " user 9527 hands over 50 yuan of electricity charge, success.”

Detailed process is: data processing unit D1 obtains the information of short message server B5: " user 9527 hands over 50 yuan of electricity charge "; By Query Database storage unit D2, obtain user 9527 electricity charge payment binding information, further obtain paying electric charge number, the beginning value of user's 9527 virtual wallet accounts and the user profile such as cell-phone number of binding, and the initial value of the virtual wallet account of virtual wallet account 0178, send the instant messaging transaction client computer E2 execution of trading instruction to target 0178, obtain settlement of transactions server E21 feedback back and deduct 50 by the beginning value that data processing unit D1 carries out virtual wallet account 9527, the beginning value of virtual wallet account 0178 adds that 50 result is updated to database storage unit D2, and pass through the mobile phone of short message server B5 transmission note to user's 9527 bindings: " user 9527 hands over 50 yuan of electricity charge, and is successful.”

Referring to Fig. 4, the user sends trading instruction, is forwarded to the flow process that instant messaging transaction client computer E2 handles by data processing unit D1:

Concrete steps are: step 501, user's first send trading instruction; Step 502, data processing unit D1 obtain transaction related information according to instruction Query Database storage unit D2, the end message of inquiry both parties binding and both sides' the initial value of virtual wallet account; Step 503, data processing unit D1 send trading instruction to target instant messaging transaction client computer E2; Step 504, target instant messaging transaction client computer E2 send trading instruction and handle to settlement of transactions server E21, obtain feedback information; Step 505, target instant messaging transaction client computer E2 send the result of settlement of transactions server feedback to data processing unit D1; The initial value of account that step 506, data processing unit D1 carry out the Party A according to instruction subtracts the change value, and the initial value of Party B's account adds total transaction amount; Step 507, data processing unit D1 result of calculation deposit customer data base in; Step 508, data processing unit D1 send the terminal of result to Party B's binding; Step 509, data processing unit D1 feedback result send the terminal of result to Party A's binding to calling terminal.

Embodiment five: referring to Fig. 2, present embodiment also comprises on embodiment one or two or three or four described system-based: instant communication client A2,

Described instant communication client A2 is used to ask service end and client that the corresponding information of the subscriber-coded and sub-coding of preservation is set synchronously, and other users' of transmission calling connection instruction message or trading instruction message are to service end.

Referring to Fig. 5-A, the personal user is by subscriber-coded and password login system, if this user also is provided with the instant communication client more than two, by son coding and password login, primary account number is that the client of subscriber-coded login can be provided with the whole resource informations of this user, it is a plurality of that the quantity of sub-number of the account is that sub-coding can be provided with, client-side after the sub-number of the account login does not have virtual wallet, system is provided with project, example: user 9527 uses 9527, the 9527*001 dual mode is by client difference login system, the coordinator of the client-side of each number of the account can be provided with increase and decrease separately, personal user's no deal account settlement server is not so there is the account number of 9527***001 form.

Referring to Fig. 5-A, the user of unit is by subscriber-coded and sub-coding login system, example: user 047 uses 047,047*001, three kinds of modes such as 047***001 are by client difference login system, 047,047***001, after the client login system, this client becomes instant messaging transaction client computer E2, connect settlement of transactions server E21, the instant messaging transaction client computer E2 of 047***001 login is as the user of unit 047 the reception default interface from the trading instruction message of data processing unit D1,047*001, client-side after the sub-number of the account login of types such as 047***001 does not have virtual wallet equally, and the coordinator of the client-side of each number of the account can be provided with increase and decrease separately.

Referring to Fig. 5-B, I: 9527 client-side shows information such as coordinator, assistant, cohort, virtual wallet, login tabulation, system are provided with, I: 9527 client-side is double-clicked 123667 and is entered with user 123667 dialog box and show [123667 resources] tabulation First-selected contact schemeBe 123667 the binding end messages and answer the order, anyone can click Call outAfter, system connects for both sides' terminal, Individual's instant communication client stateBe the status information of instant communication client of all registrations of user 123667, Manage the state of commodityClick under the project OrderCan send Transaction Information; I: 9527 client-side is double-clicked [047 resource] tabulation of 047 user of the unit of entering 047, The organizational member instant messaging StateBe the state of formation, contact scheme and the instant communication client of 047 unit personnel, double-click 047*002 and enter subordinate's [contact scheme of 047*002], show the terminal information of all bindings of 047*002, click Call outCan set up the connection of calling party's 9527 instant communication clients terminal corresponding with click-to-dial.In [047 resource] Manage the state of commodityTabulation is clicked Order, enter the menu of subordinate " I: 9527 order ", show the information of 047**001 commodity, wherein click The commodity detailsCan open the network address of these commodity: 047.***.com/047**001, the details of display of commodity are clicked Add shopping cartCan enter the flow process of guarantee transaction.

The user is provided with the binding information of subscriber-coded and sub-coding

Subscriber-coded	047	047*001	123667	123667*001
					User's name	METRO	General manager (GM) and 001 contact scheme	Jerry		001 contact scheme
Login password	……	……	……	……
					The binding rank	The C level	The A level	The C level	The A level
Answer strategy	……	5:00～23:00 answers	……	8:00～17:00 answers
					The binding mobile phone	130***	131***	130***	139***
The binding phone	86***	56***	64***	56***
					The binding facsimile recorder	87***	57***	65***	57***
The E-mail address	047@***.com	047@163.com	123667@***.com	777jerry@163.com
					The binding network address	047.***.com	Do not have	123667.***.com	Do not have
Binding QQ	77***	66***	249578468	379997557
					Binding MSN	047@***.com	okl@yahoo.com	249578468@qq.com	777jerry@163.com
Binding bank account	Industrial and commercial bank	Do not have	The Bank of Communications	Do not have
					The non-contact IC card card number	……	Do not have	……	Do not have
Water rate payment binding	……	Do not have	……	Do not have
					Electricity charge payment binding	……	Do not have	……	Do not have
Other binding informations	……	……	……	……

Login tabulation configuration information:

Subscriber-coded	9527	047*001	047*002	123667
					User's name	Tang Baihu	The general manager (GM)	Finance	Jerry
The A systematic connection	……	……	……	……
					A system number of the account	0k01	Ad	System	01
A system login password	……	……	……	……

Embodiment six: referring to accompanying drawing 2, present embodiment data processing unit D1 on the basis of embodiment one or two or three or four or five described systems also comprises:

When the information from the C of other system is trading instruction message with the native system user, by Query Database storage unit D2 must this other system the corresponding native system user of user subscriber-coded, further obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account, finish the conversion of both parties' virtual wallet account actual expenses according to instruction, result of calculation is updated to database storage unit D2, feeds back the binding terminal that this result gives C of other system and both parties user;

When the information from the C of other system connects native system user's instruction message for calling, obtaining the end message tabulation of called subscriber's binding and answer strategy by Query Database storage unit D2, is that calling terminal and called end connect by data processing unit D1;

When the information from the C of other system is inquiring and authenticating information, obtain by after subscriber-coded information that parses and the inquiring and authenticating information comparison by Query Database storage unit D2, feedback result is given the C of other system.

Embodiment seven: referring to Fig. 2, a kind of method that realizes the multiple terminal mutual business between the user of present embodiment comprises:

Step a, registered user's coding and virtual wallet account are provided with son coding and relevant information;

Step b, when data processing unit D1 receives trading instruction message execution in step c; Execution in step d when data processing unit D1 receives other user instruction message of calling connection;

Step c, when the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit D2, finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit D2, feeds back the binding terminal of this result to calling terminal and both parties user;

Steps d, when the message that receives calling terminal when call out connecting other user instruction message, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by Query Database storage unit D2, group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, be that calling terminal and this terminal connect by data processing unit D1.

Embodiment eight: referring to Fig. 2, present embodiment is in embodiment seven described methods, wherein:

Described c step also comprises: when the trading instruction message that receives comprises when being deferred to account business transaction instruction message, this instruction message sent to hang the easy processing unit D3 of single cross and handle; The easy processing unit D3 of described extension single cross, according to instruction generate trading order form and in transaction initiator's account the locked transaction volume be equal to numerical value, feed back to calling terminal, when trigger condition is to receive the trading instruction message of progress of user feedback order or system when handling overdue predetermined order every day, D2 obtains corresponding information by the Query Database storage unit, finish corresponding extension forms data processing according to transaction progress and trading instruction, the result is updated to database storage unit D2, and feedback result is to the terminal of calling terminal and both parties' binding.

Embodiment nine: referring to Fig. 2, present embodiment is in embodiment seven described methods, wherein:

Described d step also comprises: when data processing unit D1 is that calling terminal and terminal called are when connecting, calling terminal is not a terminal of the same type with this called terminal, to send to Message Processing converting unit D4 from the data of calling terminal and carry out of identification and the conversion of a kind of data type, transformation result will be sent to this called terminal to another data type.

Embodiment ten: referring to Fig. 2, Fig. 4, present embodiment is in embodiment seven described methods, wherein:

Described c step also comprises: when the user sends immediately to account trading instruction message by terminal device, obtain by the initial value of subscriber-coded user binding information that parses and both parties' account by Query Database storage unit D2, finish the conversion of actual value according to instruction linking objective instant messaging transaction client computer E2, the result is updated to database storage unit D2, and feedback result is to the terminal of both sides' binding.

Embodiment 11: referring to Fig. 1, Fig. 2, system of the present invention can also be applied to the field, call center, for traditional call center expands the function of concluding the business between the user, makes traditional call center support more terminal to insert and intercommunication simultaneously.

Embodiment 12: referring to Fig. 1, Fig. 2, system of the present invention can also be applied to the instant messaging field, for instant communication server provides the access of multiple terminal device, for the communicate information of the client of different system provides the transfer service.

Claims (10)

1, realize the system of the multiple terminal mutual business between the user, comprising: data processing unit (D1), database storage unit (D2) is characterized in that:

Described data processing unit (D1) comprising:

When receiving the log-on message of new user by the requirement of terminal device submission system, for this user works out unique subscriber-coded virtual wallet account that reaches with this coding name, set up the customer data base of naming with this coding in database storage unit (D2), pass this coding back calling terminal, this new user further is provided with its sub-coded message under subscriber-coded, with the information updating submitted to the customer data base to database storage unit (D2);

When the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit (D2), finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit (D2), feeds back the binding terminal of this result to calling terminal and both parties user;

When the message that receives calling terminal connects other user instruction message for calling out, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by Query Database storage unit (D2), group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, connect for calling terminal and this terminal by data processing unit (D1).

2, the system of the multiple terminal mutual business between realization user according to claim 1 is characterized in that: also comprises and hangs the easy processing unit of single cross (D3),

The easy processing unit of described extension single cross (D3), comprise: when be deferred to account business transaction instruction message comprising of reception data processing unit (D1) transmission, according to instruction generate trading order form and in transaction initiator's account the locked transaction volume be equal to numerical value, feed back to calling terminal, when trigger condition is to receive the trading instruction message of progress of user feedback order or system when handling overdue predetermined order every day, (D2) obtains corresponding information by the Query Database storage unit, finish corresponding extension forms data processing according to transaction progress and trading instruction, the result is updated to database storage unit (D2), and feedback result is to the terminal of calling terminal and both parties' binding; And

Described data processing unit (D1) also comprises:

When the trading instruction message that receives comprises when being deferred to account business transaction instruction message, this instruction message sent to hang the easy processing unit of single cross (D3) and handle.

3, the system of the multiple terminal mutual business between realization user according to claim 1 is characterized in that: also comprise Message Processing converting unit (D4),

Described Message Processing converting unit (D4) is used to receive the data of the calling terminal that data processing unit (D1) sends, and finishes identification and the conversion of a kind of data type to another data type, and transformation result is fed back to data processing unit (D1); And

Described data processing unit (D1) also comprises:

When data processing unit (D1) connects for calling terminal and terminal called, calling terminal is not a terminal of the same type with this called terminal, will send to the terminal that Message Processing converting unit (D4) carries out sending to after the identification of corresponding data type is changed this connection from the data of calling terminal.

4, the system of the multiple terminal mutual business between realization user according to claim 1 is characterized in that: also comprise instant messaging transaction client computer (E2),

Described instant messaging transaction client computer (E2) connects settlement of transactions server (E21), comprise: instant communication client, IC-card read write line, expansion module, be used to receive the trading instruction message that data processing unit (D1) sends, this message is sent to settlement of transactions server (E21) handles, obtain feeding back this result to data processing unit (D1) after the result; When the user uses non-contact IC card (G) when transaction, send trading instruction message and handle to data processing unit (D1), obtain feedack, the data in the particular data district of non-contact IC card (G) are carried out read-write operation; And

Described data processing unit (D1) also comprises:

Be used for handling trading instruction message from instant messaging transaction client computer (E2), obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit (D2), through after the information comparison, finish the conversion of both parties' virtual wallet account actual expenses according to instruction, result of calculation is updated to database storage unit (D2), feeds back this result and give calling terminal; When the user sends immediately to account trading instruction message by terminal device, obtain by the initial value of subscriber-coded user binding information that parses and both parties' account by Query Database storage unit (D2), finish the conversion of actual value according to instruction linking objective instant messaging transaction client computer (E2), the result is updated to database storage unit (D2), and feedback result is to the terminal of both sides' binding.

5, according to the system of the multiple terminal mutual business between claim 1 or 4 described realization users, it is characterized in that: also comprise instant communication client (A2),

Described instant communication client (A2) is used to ask service end and client that the corresponding information of the subscriber-coded and sub-coding of preservation is set synchronously, and other users' of transmission calling connection instruction message or trading instruction message are to service end.

6, the system of the multiple terminal mutual business between realization user according to claim 1 is characterized in that described data processing unit (D1) also comprises:

When the information from other system (C) is trading instruction message with the native system user, by Query Database storage unit (D2) must this other system the corresponding native system user of user subscriber-coded, further obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account, finish the conversion of both parties' virtual wallet account actual expenses according to instruction, result of calculation is updated to database storage unit (D2), feeds back the binding terminal that this result gives other system (C) and both parties user;

When the information from other system (C) connects native system user's instruction message for calling, obtain the end message tabulation of called subscriber's binding and answer strategy by Query Database storage unit (D2), connect for calling terminal and called end by data processing unit (D1);

When the information from other system (C) is inquiring and authenticating information, obtain by after subscriber-coded information that parses and the inquiring and authenticating information comparison by Query Database storage unit (D2), feedback result is given other system (C).

7, realize the method for the multiple terminal mutual business between the user, it is characterized in that comprising:

Step a, registered user's coding and virtual wallet account are provided with son coding and relevant information;

Step b, when data processing unit (D1) receives trading instruction message execution in step c; Execution in step d when data processing unit (D1) receives other user instruction message of calling connection;

Step c, when the message that receives calling terminal is trading instruction message, obtain both parties' the binding end message and the beginning value of both sides' virtual wallet account by Query Database storage unit (D2), finish the conversion of both sides' account actual expenses according to instruction, result of calculation is updated to database storage unit (D2), feeds back the binding terminal of this result to calling terminal and both parties user;

Steps d, when the message that receives calling terminal when call out connecting other user instruction message, obtain the end message and the predefined binding terminal list of called subscriber's binding of parsing by subscriber-coded by Query Database storage unit (D2), group busy or suitable terminal of exhaling the called subscriber to bind by tabulation, up to there being the terminal feedback to answer signal, connect for calling terminal and this terminal by data processing unit (D1).

8, the method for the multiple terminal mutual business between realization user according to claim 7 is characterized in that:

Described c step also comprises: when the trading instruction message that receives comprises when being deferred to account business transaction instruction message, this instruction message sent to hang the easy processing unit of single cross (D3) and handle; The easy processing unit of described extension single cross (D3), according to instruction generate trading order form and in transaction initiator's account the locked transaction volume be equal to numerical value, feed back to calling terminal, when trigger condition is to receive the trading instruction message of progress of user feedback order or system when handling overdue predetermined order every day, (D2) obtains corresponding information by the Query Database storage unit, finish corresponding extension forms data processing according to transaction progress and trading instruction, the result is updated to database storage unit (D2), and feedback result is to the terminal of calling terminal and both parties' binding.

9, the method for the multiple terminal mutual business between realization user according to claim 7 is characterized in that:

Described d step also comprises: when data processing unit (D1) connects for calling terminal and terminal called, calling terminal is not a terminal of the same type with this called terminal, to send to Message Processing converting unit (D4) from the data of calling terminal and carry out of identification and the conversion of a kind of data type, transformation result will be sent to this called terminal to another data type.

10, the method for the multiple terminal mutual business between realization user according to claim 7 is characterized in that:

Described c step also comprises: when the user sends immediately to account trading instruction message by terminal device, obtain by the initial value of subscriber-coded user binding information that parses and both parties' account by Query Database storage unit (D2), finish the conversion of actual value according to instruction linking objective instant messaging transaction client computer (E2), the result is updated to database storage unit (D2), and feedback result is to the terminal of both sides' binding.

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