Summary of the invention
The invention provides a kind of method of interacting instant information between mobile terminals, this method can make the both sides that communicate carry out information interaction immediately.
The invention provides a kind of system of interacting instant information between mobile terminals, this system can make the both sides that communicate carry out information interaction immediately.
A kind of method of interacting instant information between mobile terminals, this method is the one-to-one relationship between terminal mobile banking server preservation mobile phone logo and number of the account in advance, and the corresponding relation between the number of the account and the storage amount of money, when terminal mobile banking server is supplemented with money the storage amount of money, recharge amount is synchronized on the mobile phone corresponding with corresponding mobile phone logo;
This method also comprises:
The mobile-phone payment end sends Payment Request to mobile phone charge end, and this Payment Request comprises sequence information;
Mobile phone charge termination revenue and expenditure is paid request, to mobile-phone payment end feedback payment response, comprises information and the sequence information of accepting payment in the payment response, and mobile phone charge end upgrades the storage amount of money of preserving according to sequence information;
After mobile-phone payment termination revenue and expenditure is paid response, upgrade the storage amount of money of preserving according to payment response.
A kind of system of interacting instant information between mobile terminals, this system comprise terminal mobile banking server, mobile-phone payment end and mobile phone charge end;
Described terminal mobile banking server, preserve the one-to-one relationship between mobile phone logo and the number of the account, and the corresponding relation between the number of the account and the storage amount of money, when terminal mobile banking server is supplemented with money the storage amount of money, recharge amount is sent on the mobile phone corresponding with corresponding mobile phone logo;
Described mobile-phone payment end, the recharge amount that sends with the terminal bank server upgrades the local storage amount of money of preserving; The mobile-phone payment end sends Payment Request to mobile phone charge end, and this Payment Request comprises sequence information, receives payment response, comprises information and the sequence information of accepting payment in the payment response, upgrades the storage amount of money of preserving according to payment response;
Described mobile phone charge end, the recharge amount that sends with the terminal bank server upgrades the local storage amount of money of preserving; After mobile phone charge termination revenue and expenditure is paid request, upgrade the storage amount of money of preserving according to the sequence information that Payment Request comprises, and to mobile-phone payment end feedback payment response.
From such scheme as can be seen, the present invention is the one-to-one relationship between terminal mobile banking server preservation mobile phone logo and number of the account in advance, and the corresponding relation between the number of the account and the storage amount of money, when terminal mobile banking server is supplemented with money the storage amount of money, recharge amount is synchronized on the mobile phone corresponding with corresponding mobile phone logo.When carrying out reimbursement of expense, the mobile-phone payment end sends Payment Request to mobile phone charge end, and this Payment Request comprises sequence information; Mobile phone charge termination revenue and expenditure is paid request, to mobile-phone payment end feedback payment response, comprises information and the sequence information of accepting payment in the payment response, and mobile phone charge end upgrades the storage amount of money of preserving according to sequence information; After mobile-phone payment termination revenue and expenditure is paid response, upgrade the storage amount of money of preserving according to payment response.Among the present invention, terminal mobile banking server is synchronized to recharge amount on the mobile phone corresponding with corresponding mobile phone logo, and adopt mobile-phone payment end and mobile phone charge end directly to carry out the mode of information interaction, the mobile-phone payment end can directly send Payment Request to mobile phone charge end, avoided in the prior art when network is busy because the Internet banking device is receiving that can not send the payment inquiry to payment collector immediately after the Payment Request asks cause paying the shortcoming that can not finish immediately, thereby, realized the instantaneity of communicating pair information interaction, also made reimbursement of expense quick, convenient.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with embodiment and accompanying drawing, the present invention is described in more detail.
The present invention carries out the terminal mobile banking server of information interaction at network side setting and mobile phone, and terminal mobile banking server has been preserved the one-to-one relationship between mobile phone logo and the number of the account, and the corresponding relation between the number of the account and the storage amount of money; When terminal mobile banking server reception charging request is supplemented with money the storage amount of money, recharge amount is synchronized on the mobile phone corresponding with corresponding mobile phone logo.Behind the recharge amount that mobile phone receiving terminal mobile banking server sends, recharge amount can be added in the local storage amount of money of preserving of mobile phone, thereby make the storage amount of money of terminal mobile banking server preservation and the storage amount of money of corresponding mobile phone preservation keep upgrading synchronously.
Corresponding relation between mobile phone logo in the terminal mobile banking server and the corresponding relation between the number of the account and number of the account and the storage amount of money is provided with in the payment register process.Registration process comprises: terminal mobile banking server receives the mobile-phone payment register requirement, and this register requirement comprises mobile phone logo; The mobile phone logo corresponding account number that server setting of terminal mobile banking and register requirement comprise, and the foundation storage amount of money corresponding with number of the account when initial, can be stored the amount of money and be set to 0.Particularly, registration process can adopt mode shown in Figure 1 to carry out, and this flow process may further comprise the steps:
Step 101, terminal mobile banking server receives the register requirement about mobile-phone payment that mobile phone sends.
This register requirement comprises mobile phone logo.
Step 102, the mobile phone logo corresponding account number that server setting of terminal mobile banking and register requirement comprise is preserved the corresponding relation between number of the account and the corresponding mobile phone logo.
Step 103, terminal mobile banking server pushes mobile banking's mobile-phone payment client software to mobile phone, and the number of the account that is provided with is fed back to mobile phone.
Step 104, mobile phone are installed this mobile banking's mobile-phone payment client software, and set up the mobile-phone payment local data base simultaneously, and this mobile-phone payment local data base is used for preserving the storage amount of money.
Mobile phone can be inquired about corresponding number of the account, the storage amount of money that terminal mobile banking server is preserved, is that example describes with the inquiry number of the account below.Particularly, terminal mobile banking server receives the number of the account query requests that mobile phone sends, comprise mobile phone logo in this number of the account query requests, the number of the account enquiry module inquire preservation with the number of the account query requests in the mobile phone logo corresponding account number that comprises, return to the mobile phone that sends the number of the account query requests.The flow process of the inquiry storage amount of money is similar with the inquiry number of the account.
When carrying out reimbursement of expense:
The mobile-phone payment end sends Payment Request to mobile phone charge end, and this Payment Request comprises sequence information;
Mobile phone charge termination revenue and expenditure is paid request, to mobile-phone payment end feedback payment response, comprises information and the sequence information of accepting payment in the payment response, and mobile phone charge end upgrades the storage amount of money of preserving according to sequence information;
After mobile-phone payment termination revenue and expenditure is paid response, upgrade the storage amount of money of preserving according to payment response.
The method that mobile phone charge end upgrades the storage amount of money of preserving according to sequence information specifically comprises: the purchase amount of money addition that the storage amount of money that mobile phone charge end will be preserved and sequence information comprise, and with the storage amount of money of additive value after as renewal.The mobile-phone payment end comprises according to the method for the storage amount of money that payment response upgrade to be preserved: mobile-phone payment termination revenue and expenditure is paid response, and the purchase amount of money addition that the storage amount of money and the sequence information of preserving comprised is with the storage amount of money of additive value after as renewal.
Below sequence information is described.The sales message that the buyer browses seller shows, the mobile phone charge end with the seller in the sales message identifies.Sales message shows buyer's mode varied, both can show the buyer by business platform, also can be attached on the article such as newspaper, leaflet and show the buyer.The buyer chooses the purchase article from marketing information, generate sequence information, comprises in this sequence information buying article and buying the amount of money etc.Then, buyer's mobile-phone payment end sends to the mobile phone corresponding with the seller's mobile phone charge end sign and comprises Payment Request, comprises this sequence information in this Payment Request.
Mobile-phone payment end and mobile phone charge end upgrade after the storage amount of money of preserving separately respectively, the respective stored amount of money of preserving in the terminal mobile banking server are upgraded again.The storage amount of money of mobile-phone payment end and mobile phone charge end upgrades with the renewal of the interior respective stored amount of money of terminal mobile banking server and can carry out synchronously, also can asynchronously carry out; What is called is carried out just synchronously, after the storage amount of money of mobile-phone payment end and mobile phone charge end upgrades, mobile-phone payment end and mobile phone charge end send to terminal mobile banking server with the purchase amount of money in the sequence information immediately, to trigger the renewal to terminal mobile banking server memory savings volume; The so-called asynchronous industry of carrying out is exactly, after the storage amount of money of mobile-phone payment end and mobile phone charge end upgrades a period of time, mobile-phone payment end and mobile phone charge end just send to terminal mobile banking server with the purchase amount of money in the sequence information, to trigger the renewal to the storage amount of money in the terminal mobile banking server.Adopt asynchronous refresh than upgrading flexibly synchronously, can regularly carry out asynchronous refresh by the mode that timer is set.
And, renewal to terminal mobile banking server memory savings volume, except adopting the above-mentioned amount of money of will buying to send to the mode that terminal mobile banking server upgrades, also can adopt mode to realize, be specially to the terminal mobile banking server transmission mobile-phone payment end and the current separately storage amount of money of mobile phone charge end:
Mobile-phone payment end and mobile phone charge end send update request to terminal mobile banking server, comprise mobile phone logo in the update request, also comprise the current separately storage amount of money of mobile-phone payment end and mobile phone charge end;
After terminal mobile banking server receives update request, the mobile phone logo corresponding account number that comprises with update request of obtaining preservation, the storage amount of money that comprises with update request is the corresponding storage amount of money of the number of the account with obtaining preserved of new terminal mobile banking server more.
Referring to Fig. 2, be the system architecture synoptic diagram of interacting instant information between mobile terminals of the present invention, this system comprises terminal mobile banking server and mobile phone;
Described terminal mobile banking server, preserve the one-to-one relationship between mobile phone logo and the number of the account, and the corresponding relation between the number of the account and the storage amount of money, when terminal mobile banking server is supplemented with money the storage amount of money, recharge amount is synchronized on the mobile phone corresponding with corresponding mobile phone logo.
Particularly, referring to Fig. 3, the mobile phone that carries out information interaction comprises mobile-phone payment end and mobile phone charge end, and among Fig. 3, customer end A is the mobile-phone payment client, and customer end B is a mobile phone charge client.
Customer end A, the recharge amount that sends with the terminal bank server upgrades the local storage amount of money of preserving; Customer end A sends Payment Request to customer end B, and this Payment Request comprises sequence information, receives payment response, comprises information and the sequence information of accepting payment in the payment response, upgrades the storage amount of money of preserving according to payment response;
Customer end B, the recharge amount that sends with the terminal bank server upgrades the local storage amount of money of preserving; After customer end B receives Payment Request, upgrade the storage amount of money of preserving according to the sequence information that Payment Request comprises, and to customer end A feedback payment response.
Alternatively, described mobile banking server comprises that mobile-phone payment supplements module and mobile banking's mobile phone central database with money;
Described mobile banking mobile phone central database is used to preserve the one-to-one relationship between mobile phone logo and the number of the account, and the corresponding relation between the number of the account and the storage amount of money;
Described mobile-phone payment is supplemented module with money, be used to receive charging request, comprise number of the account and recharge amount in this charging request, mobile-phone payment is supplemented module with money and inquire the storage amount of money corresponding with the number of the account in the charging request in mobile banking's mobile phone central database, the recharge amount that comprises in the charging request is added in the storage amount of money that inquires, and recharge amount is synchronized on the mobile phone corresponding with corresponding mobile phone logo.
This mobile-phone payment is supplemented module with money and is supplemented interface with money by the outside and link to each other with the outside, receives the outside charging request that transmits, and this outside is supplemented interface with money and can be docked about true or virtual recharging services such as bank, game money, electronic money.
Alternatively, described terminal mobile banking server also comprises the number of the account administration module, be used to receive the number of the account query requests that mobile phone sends, comprise mobile phone logo in this number of the account query requests, the mobile phone logo corresponding account number that the number of the account administration module comprises from mobile banking's mobile phone centre data library inquiry and number of the account query requests returns to the mobile phone that sends the number of the account query requests.Mobile phone has been installed mobile banking's mobile-phone payment client software that terminal mobile banking server issues in registration process, and the function of this mobile banking's mobile-phone payment client software can realize by the number of the account administration module.
Alternatively, described mobile phone comprises mobile-phone payment local data base and mobile-phone payment client manager module;
Described mobile-phone payment local data base is used to preserve the local storage amount of money;
Described mobile-phone payment client manager module, the recharge amount that sends with the terminal bank server upgrades the storage amount of money of preserving in the mobile-phone payment local data base.
Alternatively, at the mobile-phone payment end, described mobile-phone payment client manager module is further used for sending Payment Request to mobile phone charge end, after the reception payment response, upgrades the storage amount of money of preserving in the mobile-phone payment local data base according to payment response;
At mobile phone charge end, described mobile-phone payment client manager module is further used for receiving Payment Request, upgrades the storage amount of money of preserving in the mobile-phone payment local data base according to the sequence information that Payment Request comprises, and to mobile-phone payment end feedback payment response.
Information interaction between mobile-phone payment end and the mobile phone charge can realize by the PLMN network, particularly, realizations such as dual-tone multifrequency (DTMF, Dual Tone Multi Frequency) mode by voice call in the PLMN network and short message service (SMS, Short Message Service) mode; Information interaction between the charge of mobile-phone payment end and mobile phone also can realize by the closely wireless communication mode of mobile phone this locality, for example: adopt modes such as infrared, bluetooth.Below by Fig. 4 the information interaction between mobile-phone payment end of the present invention and the mobile phone charge end is illustrated, supposes that the mobile-phone payment end is a customer end A, mobile phone charge end is customer end B, and the flow process of Fig. 4 may further comprise the steps:
Step 401, customer end A sends communication to customer end B and sets up request.
Step 402, customer end B is returned communication to customer end A and is set up affirmation.
Communication is set up successfully.
Step 403, customer end A sends mobile banking's mobile-phone payment client session to customer end B and sets up request.
Step 404, customer end B is returned mobile banking's mobile-phone payment client session to customer end A and is set up affirmation.
Set up successfully about mobile banking's mobile-phone payment client-side session.
Step 405, the related data transmission of paying between customer end A and the customer end B generates sequence information.
In this step, the negotiation of the related data of paying between customer end A and the customer end B.The related data of this payment comprises buying the negotiation of article, the purchase amount of money etc.For example, the purchase amount of money of the purchase article that customer end A will have been chosen sends to customer end B, and customer end B returns whether be ready to accept the information that this enough buys the amount of money to customer end A; If what customer end B sent is the information of being unwilling to accept this purchases amount of money, customer end A can be higher than the price of this purchase amount of money again to the customer end B transmission, all is ready the last purchase amount of money accepted up to negotiating both sides.Similarly, negotiate information such as the quantity of buying article, characteristic again.Negotiations process can be initiated by customer end A, also can be initiated by customer end B.At last, generate sequence information according to information such as the purchase article that negotiate, the purchase amount of money.When generating sequence information, also can generate Transaction Information, this Transaction Information comprises the mobile phone logo of exchange hour, payment collector, and other relevant data messages of whole process of exchange.
Need to prove, the both sides that carry out information interaction can determine sequence information by the third party, for example the third party is the situation of business platform, customer end A just can be determined the information that business platform is announced from customer end B and buy article and buy the amount of money, and generates sequence information by business platform.In addition, the both sides that carry out information interaction also can directly carry out information interaction, to determine sequence information.
Step 406, customer end A sends Payment Request to customer end B, and this Payment Request comprises sequence information, and customer end B is returned payment response to customer end A.
Comprise in the payment response that customer end B is ready information and the sequence information accepting to pay.
Step 407, customer end A is upgraded the storage amount of money of preserving according to sequence information, after customer end B receives payment response, upgrades the storage amount of money of preserving according to payment response.
Need to prove that mobile phone of the present invention not only comprises the mobile phone of the daily address of current people, also comprise the portable terminal of other similar mobile phones, as personal digital assistant (PDA, Personal Digital Assistant) etc.
The present invention program has realized carrying out reimbursement of expense between mobile phone, avoided in the prior art when network is busy because the Internet banking device is receiving that can not send the payment inquiry to payment collector immediately after the Payment Request asks cause paying the shortcoming that can not finish immediately, thereby, make communicating pair carry out information interaction immediately, also make reimbursement of expense quick and easy.The present invention directly carries out information interaction between terminal, simultaneously, in order to ensure manageability and security to the storage amount of money, also the terminal mobile banking server to network side upgrades in good time, like this, has also reached the balance of real-time and accuracy.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; and be not intended to limit the scope of the invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.