CN101604436A - The method of bank short message financial operations - Google Patents
The method of bank short message financial operations Download PDFInfo
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- CN101604436A CN101604436A CNA2009101157786A CN200910115778A CN101604436A CN 101604436 A CN101604436 A CN 101604436A CN A2009101157786 A CNA2009101157786 A CN A2009101157786A CN 200910115778 A CN200910115778 A CN 200910115778A CN 101604436 A CN101604436 A CN 101604436A
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Abstract
A kind of method of bank short message financial operations, it is characterized in that method step is: (1) leaves client's CAMEL-Subscription-Information in bank characteristic service processing platform; (2) leave operator's informaiton in SMS platform; (3) downlink short message is generated by bank's characteristic service processing platform and is sent to SMS platform, and SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section; (4) client's up note sends note to particular number by the client, cease gateway forwards to SMS platform by operator SMS, the SMS platform asynchronous process converts the short message encoding that receives to bank characteristic service processing platform agreement transaction code, after finishing dealing with by bank's characteristic service processing platform note is sent to SMS platform, SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section, in transmission course, adopt rivest, shamir, adelman to come data are encrypted, and qualification client's dealing money and transaction count, prevent malicious attack and test to bank.Advantage of the present invention is: by short message mode, be sent on the mobile phone of client's appointment or by the client and directly carry out the service of account inquiries, settlement bargain and other Financial Informations by SMS, satisfy customer requirement, strengthened the market competitiveness.
Description
Technical field
The present invention relates to a kind ofly notify the client, relate in particular to a kind of method of utilizing the prior notice customer information change of mobile phone short messages bank the customer account transition information that produces in the bank main system and other prompting messages.
Background technology
Traditional financial business needs the client to go to the bank agency queuing to handle, and the account change in time reminds the client can't know in time that Construction Bank's " short message financial operations " product is exactly a brand-new special service of releasing for making things convenient for the client to manage money matters.It is the mode of Construction Bank by SMS, by bank to the client account treasured initiatively is provided, the finance and money management product of the services such as logical, wealth news reach of paying the fees.
The precious service of account can provide the account change in time to remind; Signatory account balance notification at the end of month; The fixed account prompting that expires under one's name; Financing card, accurate credit card expire and change cartoon and know; Common reserve fund is paid services such as balance notification.The client can avoid in time not losing the time deposit interest to bank's unloading because of time deposit expires by the precious service of account, the more important thing is that account changes timely prompting and can allow the client understand account balance and change conditions in real time, provide Special Safeguard for the client in the deposit of Construction Bank to a certain extent.The client is in case find the unusual change of account by the precious note of account, can dial 95533 phones immediately and carry out account and freeze, and avoided the further loss of fund.When the client carries out the POS consumption of deposit card, financing card in businessman, in case the POS fault occurs, whether the client also can understand the own account amount of money immediately and withhold, avoided blindly repeat swipe the card, ensured fund security.Construction Bank's note can send arrearage information to client's signatory mobile phone in real time, can finish by the mobile phone answer short message at once and pay the fees, and also can notify the client with short message mode after the success of paying the fees.This service provides another channel for the client pays water, electricity, coal gas, communication expense, and the client need not outlet and stands in a long queue and paid general expenses.
Summary of the invention
The object of the present invention is to provide a kind of method of bank short message financial operations, expand the services client channel, make the client can control the fund state of its signatory account in real time, and confirm bill payment by SMS notification by mobile phone by this method; Simultaneously, improve the business marketing ability, enhance one's market competitiveness.
The present invention is achieved like this, and it is characterized in that method step is:
The channel information of 1, the client being contracted, account information, fee payment service information, customer information leave bank's characteristic service processing platform in;
2, leave operator's parameter, short message encoding parameter, up note, downlink short message and state report information in SMS platform;
3, downlink short message is generated by bank's characteristic service processing platform and is sent to SMS platform, and SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section;
4, client's up note sends note to particular number by the client, cease gateway forwards to SMS platform by operator SMS, the SMS platform asynchronous process converts the short message encoding that receives to bank characteristic service processing platform agreement transaction code, after finishing dealing with by bank's characteristic service processing platform note is sent to SMS platform, SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section, in transmission course, adopt rivest, shamir, adelman to come data are encrypted, and qualification client's dealing money and transaction count, prevent malicious attack and test to bank.
SMS platform of the present invention is based on distributed frame, realized that with mobile communications network DDN is connected in real time, automatically the transmitted in both directions communication of management data information between the short message gateway of China Mobile and CHINAUNICOM, different transmission processes is enabled by different operators, read the transmission data, the note of each operator of synchronized transmission, the database of Short Message Service Gateway is by the priority level searching and handle transmission, and the information in the same word bank is handled by the priority time sequencing of sending to; The short message of transparent channel is offered an independent thread process, separate with normal batch processing short message, promptly to promptly sending out, short message reception mobile phone is not in service range or be in off-mode, short message can be stored in short message service center, by the time user mobile phone start or enter service area after, the short message of storage will send automatically, guarantee that the user receives success, when breaking down, SMS platform can send the fault note automatically to system manager's mobile phone of setting, so that the keeper fixes a breakdown, when the communication of SMS platform and certain telecom operators is broken down, then SMS platform can not have faulty channel to send the fault note to system manager's mobile phone of setting by another automatically, so that the keeper in time fixes a breakdown, to leaking the client note of sending out, system will reissue automatically.
Bank of the present invention characteristic service processing platform and each telecom operators comprise that Short Message Service Gateway (SMS-GW) communication employing DDN special line or the internet broadband mode of SP insert, and SMS platform to banking establishments net adopts the inner Ethernet exchanged form of two network interface cards to connect.
Up note treatment progress of the present invention is analyzed the up note of client, forms the transaction form of banking system, sends the banking system of concluding the business and subscribes to or inquire about.
Downlink short message treatment progress of the present invention is to monitor the file that bank's characteristic service processing platform is sent, and generates note according to the note masterplate, is placed in the table of waiting to send short messages.
Advantage of the present invention is: by short message mode, be sent on the mobile phone of client's appointment or by the client and directly carry out the service of account inquiries, settlement bargain and other Financial Informations by SMS, satisfy customer requirement, strengthened the market competitiveness.
Description of drawings
Fig. 1 is a SMS platform network diagram of the present invention.
Fig. 2 is a contracting method process flow diagram of the present invention.
Fig. 3 is a up SMS processing method process flow diagram of the present invention.
Fig. 4 is downlink short message process flow figure of the present invention.
Fig. 5 is a transmission SMS processing method process flow diagram of the present invention.
Fig. 6 is a reception SMS processing method process flow diagram of the present invention.
Embodiment
The channel information that the client contracts, account information, fee payment service information and customer information leave bank's characteristic service processing platform in, with operator's parameter, the short message encoding parameter, up note, downlink short message and state report information leave SMS platform in, downlink short message is generated by bank's characteristic service processing platform and is sent to SMS platform, SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section, client's up note sends note to particular number by the client, cease gateway forwards to SMS platform by operator SMS, the SMS platform asynchronous process converts the short message encoding that receives to bank characteristic service processing platform agreement transaction code, after finishing dealing with by bank's characteristic service processing platform note is sent to SMS platform, SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section, in transmission course, adopt rivest, shamir, adelman to come data are encrypted, and qualification client's dealing money and transaction count, prevent malicious attack and test to bank.
As shown in Figure 1, short message server system and application server connect bank's characteristic service processing platform, application subsystem and each telecom operators respectively by the SMS platform LAN (Local Area Network), and short message server system and application server are by point to point network connected system keeper, business agent and short message service manager respectively.Bank's characteristic service processing platform and each telecom operators comprise that Short Message Service Gateway (SMS-GW) communication employing DDN special line or the internet broadband mode of SP insert.SMS platform to banking establishments net adopts the inner Ethernet exchanged form of two network interface cards to connect.The short message server system is the nucleus equipment of present networks platform, mainly is responsible for the transmission and the reception of note.Application server is that SMS platform provides service interface for system management, service management and work note.The system manager mainly is the management to whole network system, comprises system management functions such as startup or shutdown system, parameter setting, transaction log inquiry, data preparation.The business agent comprises user data query, batch data reception, bulk information transmission, blacklist setting, business statistics, bordereaux, charging, clearing etc. by the secondary subbranch inquiry Various types of data of authorizing.The office terminal sends the work note by secondary subbranch of authorizing or the employee of all departments and uses.Bank's characteristic service processing platform is the operation system that information source is provided for SMS platform, and SMS platform provides from account notification, the payment of paying the fees, the loan multiple bank services such as prompting of exceeding the time limit, and need relate to a plurality of banking systems, and each information source is provided.
As shown in Figure 2, after the client subscribes to, quits the subscription of, inquires about Transaction Information by sales counter or sending short message by mobile phone, bank's subscribed services process sends the DCC backstage inquiry accounts information of concluding the business, the account concern is set, increase or revise the subscription data of bank's characteristic service processing platform, SMS platform will be subscribed to, quit the subscription of then, information inquiring sends to client's mobile phone.
As shown in Figure 3, receive message queue, from note reception table, choose untreated note record, decompose short message content then, form the characteristic transaction code and be sent to bank's characteristic service processing platform, up note treatment progress is analyzed the up note of client, forms the transaction form of banking system, sends the banking system of concluding the business and subscribes to or inquire about.Up note treatment progress is resident process, is master routine, adopts the sequential processes technology.Transaction such as up note treatment progress is responsible for handling subscription that the client sends, countermands, inquires about transaction, service item is set, note is paid the fees.
As shown in Figure 4, the downlink short message treatment progress mainly is to monitor the file that bank's characteristic service processing platform is sent, and generates note according to the note masterplate, is placed in the table of waiting to send short messages, and sends message queue and sends process to note.
As shown in Figure 5, from note is waited to deliver, get and wait the data sent out to send to telecom operators, revise the transmission sign of note in waiting to deliver simultaneously.Send the note process and mainly be responsible for telecom operators' communication, the transmission according to priority of waiting to send short messages, real-time message priority is the highest, supports retransmission mechanism, and the note that sends lagging behind must wait to be sent, revises being recorded as in waiting to deliver after sending and sends sign.
As shown in Figure 6, receive the note process and keep long connection, receive note and status report that operator sends, receive the note program and constantly receive the note (comprising test pack) that operator sends, keep long connection with operator; Operator connects if connection disconnection, reception note program will initiatively be initiated to conclude the business, and receives the note program and receives up note or status report, and these information are write note reception table and status report table, sends message queue and arrives the note treatment progress.
Bank's characteristic service processing platform data storage cell comprises: channel CAMEL-Subscription-Information table, account subscription information table, signed client's information table, fee payment service CAMEL-Subscription-Information table.The SMS platform data storage cell comprises: operator's parameter list, short message encoding table, note reception table, note are waited to deliver, status report table, note statement masterplate table, note mistake code table.
Claims (5)
1, a kind of method of bank short message financial operations is characterized in that method step is:
The channel information of (1) client being contracted, account information, fee payment service information, customer information leave bank's characteristic service processing platform in;
(2) leave operator's parameter, short message encoding parameter, up note, downlink short message and state report information in SMS platform;
(3) downlink short message is generated by bank's characteristic service processing platform and is sent to SMS platform, and SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section;
(4) client's up note sends note to particular number by the client, cease gateway forwards to SMS platform by operator SMS, the SMS platform asynchronous process converts the short message encoding that receives to bank characteristic service processing platform agreement transaction code, after finishing dealing with by bank's characteristic service processing platform note is sent to SMS platform, SMS platform mails to each operator SMS breath gateway to client's mobile phone according to the cell-phone number section, in transmission course, adopt rivest, shamir, adelman to come data are encrypted, and qualification client's dealing money and transaction count, prevent malicious attack and test to bank.
2, the method for bank short message financial operations according to claim 1, it is characterized in that SMS platform is based on distributed frame, realized that with mobile communications network DDN is connected in real time, automatically the transmitted in both directions communication of management data information between the short message gateway of China Mobile and CHINAUNICOM, different transmission processes is enabled by different operators, read the transmission data, the note of each operator of synchronized transmission, the database of Short Message Service Gateway is by the priority level searching and handle transmission, and the information in the same word bank is handled by the priority time sequencing of sending to; The short message of transparent channel is offered an independent thread process, separate with normal batch processing short message, promptly to promptly sending out, short message reception mobile phone is not in service range or be in off-mode, short message can be stored in short message service center, by the time user mobile phone start or enter service area after, the short message of storage will send automatically, guarantee that the user receives success, when breaking down, SMS platform can send the fault note automatically to system manager's mobile phone of setting, so that the keeper fixes a breakdown, when the communication of SMS platform and certain telecom operators is broken down, then SMS platform can not have faulty channel to send the fault note to system manager's mobile phone of setting by another automatically, so that the keeper in time fixes a breakdown, to leaking the client note of sending out, system will reissue automatically.
3, the method for bank short message financial operations according to claim 1, it is characterized in that bank's characteristic service processing platform and each telecom operators comprise that Short Message Service Gateway communication employing DDN special line or the internet broadband mode of SP insert, SMS platform to banking establishments net adopts the inner Ethernet exchanged form of two network interface cards to connect.
4, the method for bank short message financial operations according to claim 1 is characterized in that the up note of up note treatment progress analysis client, forms the transaction form of banking system, sends the banking system of concluding the business and subscribes to or inquire about.
5, the method for bank short message financial operations according to claim 1 is characterized in that the downlink short message treatment progress is to monitor the file that bank's characteristic service processing platform is sent, and generates note according to the note masterplate, is placed in the table of waiting to send short messages.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2009101157786A CN101604436A (en) | 2009-07-29 | 2009-07-29 | The method of bank short message financial operations |
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| CNA2009101157786A CN101604436A (en) | 2009-07-29 | 2009-07-29 | The method of bank short message financial operations |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101969472A (en) * | 2010-10-29 | 2011-02-09 | 西本新干线股份有限公司 | Cloud transaction system and short message management system adapting to same |
| CN102131164A (en) * | 2011-01-25 | 2011-07-20 | 宁波征信金电信息技术有限公司 | System for performing loan transaction service based on mobile phone short message |
| CN102497482A (en) * | 2011-12-09 | 2012-06-13 | 北京易华录信息技术股份有限公司 | Traffic information short message service system |
| CN105100196A (en) * | 2015-05-29 | 2015-11-25 | 小米科技有限责任公司 | Method, device and system for processing notification information |
| CN106155906A (en) * | 2016-07-05 | 2016-11-23 | 中国银行股份有限公司 | A kind of bank main close beta system and method |
| CN109379333A (en) * | 2018-09-10 | 2019-02-22 | 安徽师范大学 | Safe transmission method based on network layer |
| WO2019085449A1 (en) * | 2017-10-31 | 2019-05-09 | 平安科技（深圳）有限公司 | Service short message pushing method, apparatus, computer device and storage medium |
| CN112055319A (en) * | 2020-09-27 | 2020-12-08 | 东信和平科技股份有限公司 | Data short message service downloading system and method |
| CN112449314A (en) * | 2019-09-05 | 2021-03-05 | 北京国双科技有限公司 | Short message service method and device for industrial internet platform |
| CN112463167A (en) * | 2020-11-11 | 2021-03-09 | 中国农业银行股份有限公司上海市分行 | Bank account dynamic account notification service system |
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2009
- 2009-07-29 CN CNA2009101157786A patent/CN101604436A/en active Pending
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101969472A (en) * | 2010-10-29 | 2011-02-09 | 西本新干线股份有限公司 | Cloud transaction system and short message management system adapting to same |
| CN102131164A (en) * | 2011-01-25 | 2011-07-20 | 宁波征信金电信息技术有限公司 | System for performing loan transaction service based on mobile phone short message |
| CN102497482A (en) * | 2011-12-09 | 2012-06-13 | 北京易华录信息技术股份有限公司 | Traffic information short message service system |
| CN105100196A (en) * | 2015-05-29 | 2015-11-25 | 小米科技有限责任公司 | Method, device and system for processing notification information |
| CN105100196B (en) * | 2015-05-29 | 2018-09-25 | 小米科技有限责任公司 | Notification information processing method, device and system |
| CN106155906A (en) * | 2016-07-05 | 2016-11-23 | 中国银行股份有限公司 | A kind of bank main close beta system and method |
| CN106155906B (en) * | 2016-07-05 | 2019-01-15 | 中国银行股份有限公司 | A kind of bank's host close beta system and method |
| WO2019085449A1 (en) * | 2017-10-31 | 2019-05-09 | 平安科技（深圳）有限公司 | Service short message pushing method, apparatus, computer device and storage medium |
| CN109379333A (en) * | 2018-09-10 | 2019-02-22 | 安徽师范大学 | Safe transmission method based on network layer |
| CN109379333B (en) * | 2018-09-10 | 2021-04-13 | 安徽师范大学 | Safe transmission method based on network layer |
| CN112449314A (en) * | 2019-09-05 | 2021-03-05 | 北京国双科技有限公司 | Short message service method and device for industrial internet platform |
| CN112449314B (en) * | 2019-09-05 | 2022-03-18 | 北京国双科技有限公司 | Short message service method and device for industrial internet platform |
| CN112055319A (en) * | 2020-09-27 | 2020-12-08 | 东信和平科技股份有限公司 | Data short message service downloading system and method |
| CN112055319B (en) * | 2020-09-27 | 2021-08-27 | 东信和平科技股份有限公司 | Data short message service downloading system and method |
| CN112463167A (en) * | 2020-11-11 | 2021-03-09 | 中国农业银行股份有限公司上海市分行 | Bank account dynamic account notification service system |
| CN112463167B (en) * | 2020-11-11 | 2024-04-05 | 中国农业银行股份有限公司上海市分行 | Bank account dynamic account notification service system |
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Open date: 20091216 |