CN101789156A - Account transferring and recharging system realizing transaction by mobile phone - Google Patents
Account transferring and recharging system realizing transaction by mobile phone Download PDFInfo
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- CN101789156A CN101789156A CN200910001098A CN200910001098A CN101789156A CN 101789156 A CN101789156 A CN 101789156A CN 200910001098 A CN200910001098 A CN 200910001098A CN 200910001098 A CN200910001098 A CN 200910001098A CN 101789156 A CN101789156 A CN 101789156A
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Abstract
The invention discloses an account transferring and recharging system realizing transaction by a mobile phone. A mobile phone user uses the mobile phone to dial to a transaction platform, the transaction platform identifies whether the mobile phone user is registered or not, and then the mobile phone user can carry out account transferring (or claiming) and recharging for registration or transaction; the transaction flow of the account transferring by the mobile phone means that the user utilizes the mobile phone to dial to the transaction platform connected with the mobile phone and inputs a password originally set with the transaction platform, account transferring data, and account transferring amount, and then the transaction platform settles accounts and sends a message to a receiver after completing the transaction. If the account transferring is utilized to recharge for the mobile phone user, the operation can be carried out on an ATM (automatic teller machine) of any financial institution; in the operation, account data of the transaction platform and the mobile phone number are input, the account transferring amount is input for recharging transaction, and finally the transaction platform sends the message to the mobile phone user after confirming the input information is correct.
Description
Technical field
The present invention relates to a kind of with transferring accounts and stored value systems that mobile phone is concluded the business, especially refer to that utilizing mobile phone to dial transaction platform can carry out money transfer transactions, perhaps seeing through the ATM of financial institution transfers accounts to transaction platform number of the account and adds mobile phone, can carry out Stored Value sets, the use value and the convenience of ecommerce combined with mobile telephone are provided by this.
Background technology
" ecommerce " is very popular now.Because ecommerce has comprised " buying " all programs and behavior with " selling " product (logistics), service (service flow), currency (gold stream) and information (information flow).
Because ecommerce is in vogue, make the consumer slowly break away from tradition, accept straight shopping way of imitating marketing gradually, begin to utilize virtual electronic payment instrument (electronic money bag, electronic money), not free restriction, all can utilize any time computer and network in conjunction with the time online, make general businessman or account center in time see through network and carry out online updating information, and the consumer carries out fast transaction through online ordering, no longer is subjected to the restriction of time and region.
Though the electronic commerce information abundance, and come into the open and reasonably price consumption than conventional transaction is more transparent, and shorten and order to the time between receiving; Yet, safety of network trade causes anxiety, on network, use still safety inadequately of money transfer transactions or Stored Value, and the consumer also must understand the situation that force majeure such as network congestion, network outage, outage and computer down might take place in electronic transaction, so the exercise due diligence of when carrying out electronic transaction, being sure to.
Based on this, the inventor is for solving the problem of prior art, so research and develop a kind of the transferring accounts of action transaction, drawing and stored value systems integrated, can utilize mobile phone process and transaction platform, can carry out safety and transfer accounts easily, also can see through the ATM ATM (Automatic Teller Machine) transfers accounts to the account center of transaction bank that platform cooperates and imports Mobile Directory Number simultaneously, can carry out safety and Stored Value easily, and no matter finish transfer accounts or Stored Value after, provide message notice mobile phone by trade center again, and then reach the safe real benefit of electronic transaction.
Summary of the invention
It is a kind of with transferring accounts and stored value systems that mobile phone is concluded the business that fundamental purpose of the present invention is to provide, the mobile phone that utilizes everybody all to have on hand, register and link with trade center, can see through mobile phone and carry out not only convenient but also phone safety (or claiming) transaction of transferring accounts.
It is a kind of with transferring accounts and stored value systems that mobile phone is concluded the business that another fundamental purpose of the present invention is to provide, utilize registered mobile phone user, when carrying out the Stored Value use, the money transfer transactions that can see through various places ATM ATM (Automatic Teller Machine) is carried out Stored Value, can simple and easyly finish not only convenient but also safe Stored Value transaction.
The objective of the invention is to adopt following technological means to realize: a kind of with transferring accounts and stored value systems that mobile phone is concluded the business, seeing through mobile phone by the mobile phone user dials to the transaction platform, whether through the transaction platform identification is registered users, transfer accounts (or claiming), the Stored Value that can register or take action and conclude the business, and dial to registration of transaction platform and setting code when the mobile phone user sees through mobile phone, can get in touch transfer accounts (or claiming) transaction or Stored Value transaction at any time with transaction platform.
When the mobile phone user desires to carry out above-mentioned transferring accounts (or claiming) transaction, its flow process system can utilize mobile phone to dial the transaction platform that is connected with mobile phone to, confirm whether to have registration through transaction platform, if there is not registration, transaction platform is just informed immediately and is registered setting code, if it is registered, can input originally and the predefined password of transaction platform, import again one with the account data that can be connected for transaction platform, then import the amount of money of transferring accounts, transaction platform is promptly finished money transfer transactions after determining that account data and the amount of money are errorless, and sends message to receiving personnel.
When the mobile phone user desired to carry out above-mentioned Stored Value transaction, its flow process system can utilize the cash machine operation of arbitrary financial institution, the account data and the Mobile Directory Number of input transaction platform, the then input amount of money of transferring accounts, the Stored Value of transferring accounts; After transaction platform determines to transfer accounts the amount of money and telephone number, promptly finish the Stored Value transaction, and send message, and the trading message of the Stored Value success of will transferring accounts, be sent to this mobile phone user.
By above-mentioned, utilize mobile phone to dial transaction platform (or claiming) transaction of can transferring accounts, the ATM ATM (Automatic Teller Machine) that perhaps sees through financial institution is transferred accounts Stored Value to the platform of concluding the business; System sees through the platform with a banking on-line, for transferring accounts and Stored Value when transaction, can directly see through the on-line system of bank, real-time Transmission is transferred accounts or the Stored Value amount information, and via transaction platform with desire to transfer accounts or the mobile phone of Stored Value is connected, can carry out Stored Value and set, the Stored Value amount of money be added in the mobile phone user automatically, with use value and the convenience that the ecommerce combined with mobile telephone is provided.
Below in conjunction with drawings and Examples the present invention is done further detailed explanation.
Description of drawings
Fig. 1 is a money transfer transactions schematic flow sheet of the present invention;
Fig. 2 is a Stored Value transaction flow synoptic diagram of the present invention.
Embodiment
Relevant for the present invention designed with transferring accounts and stored value systems that mobile phone is concluded the business, lie in mobile phone and link and transfer accounts between the transaction platform of function, can carry out mobile phone transfer accounts or Stored Value uses.
At first, see also shown in Figure 1ly, with regard to (or claiming) mode of doing business of transferring accounts of concluding the business with mobile phone of the present invention, its step is as follows:
One, the mobile phone user directly dials to the transaction platform, according to the input of transaction platform indication carrying out password, if unregistered, then see through the transaction platform indication simultaneously and applies for the registration of, and obtain user cipher; At this moment, when claiming the action of transferring accounts, must set own special-purpose Bank Account Number to transaction platform as if mobile phone user's desire;
Two, the mobile phone user obtains after the user cipher, can be according to the voice indication of transaction platform, import above-mentioned and the predefined password of transaction platform, transaction platform confirms that password is errorless, promptly carry out next step, if the password of input is wrong, transaction platform Cancels Transaction automatically, and informs the cancellation reason;
Three, after transaction platform confirms that password that the mobile phone user inputed is errorless, continue the indication mobile phone user input account data of (or claiming) of desiring to transfer accounts, and this account data can be phone number or shop code name or financial institution's number of the account, if the account data that the mobile phone user imported is wrong, transaction platform then indicates the mobile phone user to need operation again;
Four, after transaction platform confirms that account data that the mobile phone user imports is errorless, indicate the mobile phone user to import the amount of money of (or claiming) transaction of desiring to transfer accounts again, when the mobile phone user finish the transaction platform duplicate acknowledgment amount of money errorless after, promptly in mobile phone, directly finish transfer accounts (or claiming) transaction.
Five, after transaction platform is finished (or claiming) transaction of transferring accounts of above-mentioned mobile phone, send the receiving personnel that message notifies acceptance to transfer accounts fund immediately.
In view of the above, (or claiming) system that transfers accounts that concludes the business with mobile phone of the present invention, when carrying out the enforcement utilization of money transfer transactions, system sees through mobile phone by the mobile phone user and dials to registration of transaction platform and setting code, can carry out money transfer transactions, if the mobile phone user dials transaction platform for the first time and does not have the registration setting code, then can register according to the indication of transaction platform, get final product setting code, after mobile phone user's setting code, can directly indicate according to the voice of transaction platform, after the input account data desiring to transfer accounts in regular turn, the then input amount of money of transferring accounts, transaction platform determine that account data and the amount of money are errorless, the money transfer transactions result is promptly cleared and directly informed to transaction platform in mobile phone, promptly send the receiving personnel of message to the fund of accepting to transfer accounts by transaction platform at last.
Moreover, see also shown in Figure 2ly, with regard to the Stored Value mode of doing business that the present invention concludes the business with mobile phone, its step is as follows:
One, the mobile phone user needs to apply for the registration of successfully to transaction platform in advance;
Two, when the mobile phone user desires to carry out Stored Value, can carry out financial money transfer transactions on the machine to the ATM withdrawal machine of arbitrary financial institution;
Three, carry out in the ATM money transfer transactions, input transaction platform specified account data is added Mobile Directory Number, then imports the amount of money, by the computing machine connection line operation of the ATM withdrawal machine of financial institution, distinguishes whether success of transaction by the computing machine of financial institution;
Four, after the success of ATM money transfer transactions, transaction platform is promptly confirmed the amount of money of this mobile phone user's Stored Value and is sent message to this mobile phone user by above-mentioned Mobile Directory Number.
In view of the above, stored value systems of concluding the business of the present invention with mobile phone, when carrying out another enforcement utilization of Stored Value transaction operation, only need utilize arbitrary financial institution ATM withdrawal machine operation, the account data and the Mobile Directory Number of input transaction platform, the then input amount of money of transferring accounts, by transaction platform determine errorless after, finish the Stored Value transaction, promptly send message to this mobile phone user.
Moreover above-mentioned transaction platform is the platform that sees through with a banking on-line, and for transferring accounts and during the Stored Value transaction, can directly seeing through the on-line system of bank, real-time Transmission is transferred accounts or the Stored Value amount information.
By above-mentioned, the present invention designed with transferring accounts and stored value systems that mobile phone is concluded the business, utilize mobile phone to dial transaction platform, register setting code, can transfer accounts (or claiming) transaction, and can transfer accounts to transaction platform, mobile phone through arbitrary ATM of financial institution, can carry out Stored Value and set, the use value and the convenience of ecommerce combined with mobile telephone is provided.
Above-listed detailed description system specifies at a possible embodiments of the present invention, and this embodiment is not in order to limiting claim of the present invention, does not allly break away from the equivalence that skill spirit of the present invention does and implements or change, all should be contained in the claim of this case.
In sum, the present invention is designed with transferring accounts and stored value systems that mobile phone is concluded the business, not only on the kenel of space, really belong to innovation, and that uses and form is simple and practical, and can use always and there is no identical or similar article and promote above-mentioned multinomial effect, so, really have splendid industrial utilization and practicality in generally speaking, really can yet be regarded as an excellence, outstanding design propose patented claim in accordance with the law.
Claims (5)
1. a fund transfer system of concluding the business with mobile phone is between mobile phone and transaction platform, carries out transferring accounts of mobile phone, and its step is as follows:
One, the mobile phone user utilizes mobile phone to dial to the transaction platform, according to the input of transaction platform indication carrying out password, if no password then sees through the transaction platform indication simultaneously and applies for the registration of, and obtains user cipher;
Two, after the mobile phone user obtained user cipher, the password of setting according to transaction platform indication input, and confirm that by transaction platform password is errorless promptly carried out next step, if password is wrong, then transaction platform is cancelled automatically and informed the Fail Transaction reason;
Three, after transaction platform confirms that password is errorless, transaction platform is indication input one account data then, if the input account data is wrong, and then operation again;
Four, after transaction platform confirmed that account data that mobile phone is imported is errorless, the amount of money of indication money transfer transactions that input is desired was errorless by the transaction platform duplicate acknowledgment amount of money again, promptly finishes money transfer transactions;
Five, finish money transfer transactions after, send the receiving personnel of message by transaction platform to the fund of accepting to transfer accounts.
2. the fund transfer system of concluding the business with mobile phone according to claim 1, wherein, above-mentioned account data can be phone number or shop code name or financial institution's number of the account.
3. the fund transfer system of concluding the business with mobile phone according to claim 1, wherein, above-mentioned account data can be set Bank Account Number to transaction platform in advance by the mobile phone user.
4. stored value systems of concluding the business with mobile phone, its step is as follows:
One, the mobile phone user applies for the registration of successfully to transaction platform earlier;
Two,, carry out on the machine finance Stored Value transaction of transferring accounts to the ATM withdrawal machine of arbitrary financial institution;
Three, carry out in the ATM money transfer transactions, input transaction platform specified account data is added Mobile Directory Number, and the input Stored Value amount of money of transferring accounts is transferred to transaction platform by the computing machine of the ATM withdrawal machine of financial institution, confirms whether success of transaction;
Four, after the success of above-mentioned ATM money transfer transactions, transaction platform promptly sends message and the Stored Value amount of money to this mobile phone user.
As described in claim 1 or 4 with transferring accounts or stored value systems that mobile phone is concluded the business, wherein, above-mentioned transaction platform be one with the platform of banking on-line.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910001098A CN101789156A (en) | 2009-01-22 | 2009-01-22 | Account transferring and recharging system realizing transaction by mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910001098A CN101789156A (en) | 2009-01-22 | 2009-01-22 | Account transferring and recharging system realizing transaction by mobile phone |
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| Publication Number | Publication Date |
|---|---|
| CN101789156A true CN101789156A (en) | 2010-07-28 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910001098A Pending CN101789156A (en) | 2009-01-22 | 2009-01-22 | Account transferring and recharging system realizing transaction by mobile phone |
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| CN (1) | CN101789156A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732380A (en) * | 2015-02-16 | 2015-06-24 | 小米科技有限责任公司 | Method and device for conducting account transfer processing |
| CN107424350A (en) * | 2017-07-19 | 2017-12-01 | 中国银行股份有限公司 | A kind of interface prompt method and device of transferring accounts of ATM |
-
2009
- 2009-01-22 CN CN200910001098A patent/CN101789156A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732380A (en) * | 2015-02-16 | 2015-06-24 | 小米科技有限责任公司 | Method and device for conducting account transfer processing |
| CN107424350A (en) * | 2017-07-19 | 2017-12-01 | 中国银行股份有限公司 | A kind of interface prompt method and device of transferring accounts of ATM |
| CN107424350B (en) * | 2017-07-19 | 2020-08-21 | 中国银行股份有限公司 | Transfer interface prompting method and device of automatic teller machine |
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Open date: 20100728 |