CN101957957A - System and method for performing automatic transfer payment after confirming bill by mobile phone remote control - Google Patents
System and method for performing automatic transfer payment after confirming bill by mobile phone remote control Download PDFInfo
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- CN101957957A CN101957957A CN2009101086776A CN200910108677A CN101957957A CN 101957957 A CN101957957 A CN 101957957A CN 2009101086776 A CN2009101086776 A CN 2009101086776A CN 200910108677 A CN200910108677 A CN 200910108677A CN 101957957 A CN101957957 A CN 101957957A
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Abstract
The invention discloses a system and a method for performing automatic transfer payment after confirming a bill by mobile phone remote control. The system comprises an automatic transfer processing centre (1), an accounting system (2) of a public utility institution, a payment bank (3) and a recipient bank (4), wherein when an account of a user in the accounting system (2) expires and is to pay, the accounting system (2) transmits the bill information to the automatic transfer processing centre (1); the automatic transfer processing centre (1) transfers the payment amount information of the bill to a user mobile phone (6); and after acquiring the bill confirming information sent by the user mobile phone (6), the automatic transfer processing centre (1) transfers the transfer payment amount from the bank account of the payment bank (3) to the bank account of the accounting system (2) in the recipient bank (4). A function that a user determines whether to transfer and pay or not is added, so the user can check the bill and determine whether to transfer or not before automatic transfer, and the operation right of automatic transfer is returned to the user.
Description
[technical field]
The present invention relates to the E-Payment technology, particularly relate to a kind of with the system and method for just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill.
[background technology]
The expense of public works, the for example electricity charge, water rate, gas charge, telephone charge, to such an extent as to house rent, overhead cost, paying of expenses such as tuition fee, except that going in person to pay, can utilize the mode of bank self-help account transfer, agree through the user, these expenses of this user are directly asked for to bank by these public works, and bank deducts money in user's account immediately, these expenses of payment by the transfer of account are in relevant public works account under one's name, in fact, the user of each public works uses only accounting for about 10% of transferring accounts and pay the fees automatically now, wherein 90% people will go bank queuing to pay the fees, do you be assorted youngest? because the user feels that automatically account transfer is not steady and sure, receive after transferring accounts that bill just knows the account transfer amount of money of paying the fees, if makeing mistakes, bill overcharged money, do a lot of formalities and just can recover the money of paying more, very trouble, and user is not know accurately that the date that can not select transfers accounts pays the fees is paid the fees in account transfer in that day, if short of money in the account, the attacker continues to pay dues again.
Therefore, need to solve technically at present account transfer automatically and bring the not steady and sure problem of psychology to the user, a kind of brand-new automatic funds transfer system and method are provided, can pay the fees in each account transfer automatically and solicit user's affirmation before carrying out, and after the affirmation that obtains the user, just transfer accounts automatically, to overcome the not steady and sure psychological burden of user to automatic account transfer.
[summary of the invention]
Purpose of the present invention is to provide a kind of and confirms the system and method for just transferring accounts automatically and paying the fees after the bill with mobile phone remote, to be implemented in the application of automatic account transfer in paying the fees.
The object of the present invention is achieved like this, adopt a kind of like this with the system of just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill, be used for paying the bill expense of public works for user's account transfer, it is characterized in that, described system includes automatic account transfer processing enter (1), the account system of public works (2), paying bank (3), receiving bank (4), wherein, described automatic account transfer processing enter (1) records each user's mobile phone (6) telephone number and this user in the Bank Account Number of paying bank (3) and this user account number in account system (2), when the user expires will pay the fees the time the account of account system (2), account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
And, adopt a kind of like this with the method for just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill, be used for paying the bill expense of public works for user's account transfer, it is characterized in that, described method comprises that the user expires will pay the fees the time the account of the account system (2) of public works, account system (2) is sent to automatic account transfer processing enter (1) with this user's account's bill information, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
So just realized purpose of the present invention.
System and method of the present invention has increased user's checking a bill and has confirmed the function of account transfer, make the user can be in checking a bill before the automatic account transfer, whether the user more can determine to transfer accounts and pay the expense of this bill, the power of controlling of account transfer is automatically given back user oneself, the user just need not worry that bill is made mistakes and overcharge money, just can not produce not steady and sure psychological burden to automatic account transfer, this helps promoting popularizing of automatic account transfer.
[description of drawings]
Fig. 1 is the schematic illustration of the system and method step of the first embodiment of the present invention;
Fig. 2 is the schematic illustration of the method step of the second embodiment of the present invention;
Fig. 3 is the schematic illustration of the method step of the third embodiment of the present invention;
Fig. 4 is the schematic illustration of the method step of the fourth embodiment of the present invention;
Fig. 5 is the schematic illustration of the method step of the fifth embodiment of the present invention;
Fig. 6 is the schematic illustration of the method step of the sixth embodiment of the present invention.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration of the system and method step of the first embodiment of the present invention, the system that pays the fees of just transferring accounts automatically after the mobile phone remote affirmation bill shown in Fig. 1 includes automatic account transfer processing enter (1), the account system of public works (2), paying bank (3), receiving bank (4), wherein, described automatic account transfer processing enter (1) records each user's mobile phone (6) telephone number and this user in the Bank Account Number of paying bank (3) and this user account number in account system (2), when the user expires will pay the fees the time the account of account system (2), account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
In this manual, described bill information content comprises the pay the fees amount of money and account number; Described user comprises user's credit card account, debit card account, credit card account, savings account, check account at the bank account of paying bank (3); The public works of described account system (2) comprises the public works of Running-water Company, Gas Company, Utilities Electric Co., telephone operator, mobile telephone company, CATV (cable television) service company, infrastructure management company, school, petroleum gas company or the like.In addition, automatically account transfer processing enter (1) can connect each account system (2) of how tame different public works simultaneously, but for convenience of description, in each accompanying drawing of this instructions, the account system (2) of a tame public works only draws, the account system (2) though only drawn is to have implied the partial content that automatic account transfer processing enter (1) is connected with each account system (2) of how tame different public works in each accompanying drawing.
Aspect being provided with, the processing enter of transferring accounts automatically (1) is provided with the device that receives and send note, is used for by mobile phone (6) exchange message of mobile telephone network (5) with the user.In this manual, described mobile telephone network (5) comprises the network of being made up of mobile telephone network and/or fixed telephone network, and described mobile telephone network comprises the mobile telephone network of GSM, CDMA, 3G and so on; Described mobile phone (6) comprises the mobile phone of various standards, for convenience of description, is called mobile phone (6) in this manual without exception.At customer-side, the user at first will be at automatic account transfer processing enter (1) registered user's mobile phone (6) telephone number, user in the Bank Account Number of paying bank (3), user each account number at each public works, the user also signs power of attorney, authorizes the processing enter (1) of transferring accounts automatically to pay the expense of user the account of each public works from this user in the bank account account transfer of paying bank (3).
Continue to consult Fig. 1, in the method step shown in Fig. 1, comprise that the user expires will pay the fees the time the account of the account system (2) of public works, account system (2) is sent to automatic account transfer processing enter (1) with this user's account's bill information, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
Continue to consult Fig. 1, the method shown in Fig. 1 also comprises following A group step:
A1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
A2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
A3. the user check short message content errorless after, agreeing transfers accounts to pay the fees just replys this note, disagreeing with transfers accounts pays the fees and does not just reply this note;
A4. after the processing enter of transferring accounts automatically (1) is received the note that the user replys, the source telephone number of checking this note be user's mobile phone (6) phone errorless after, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
A5. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
A6. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
A7. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
Continue to consult Fig. 1, among first embodiment shown in Fig. 1, adopted note as confirming bill information, the user receives the note that contains the pay the fees amount of money and public works title content, check the amount of money errorless after, as long as note is sent back to automatic account transfer processing enter (1), just finished the operation of confirming bill.Confirm that successfully back automatic account transfer processing enter (1) will be paid the expense of this bill from user's bank account account transfer.
Consult Fig. 2, Fig. 2 is the schematic illustration of the method step of the second embodiment of the present invention, and the method shown in Fig. 2 also comprises following B group step:
B1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
B2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
B3. after several minutes, automatically account transfer processing enter (1) transmits the mobile phone (6) that USSD information is given the user by mobile telephone network (5), and the connection that keeps this USSD information channel, and wait for the return information of user by this USSD information channel, the described USSD information content comprises the amount of money of paying the fees, the public works title of this bill;
B4. user's mobile phone (6) is received the USSD information of automatic account transfer processing enter (1), the user check the USSD information content errorless after, agreement is transferred accounts to pay the fees and is just gone up by agreeing sign indicating number answer account transfer processing enter (1) automatically at mobile phone (6), and disagreeing with transfers accounts pays the fees just not according to agreeing the sign indicating number affirmation;
B5. the processing enter of transferring accounts automatically (1) check from this USSD information channel transmit the agreement sign indicating number of returning errorless after, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
B6. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
B7. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
B8. the processing enter of transferring accounts automatically (1) is sent short messages or USSD information is notified the user to transfer accounts for user's mobile phone (6) to pay the expense of this bill.
Continue to consult Fig. 2; second embodiment shown in Fig. 2 compares with first embodiment; the main difference part is that second embodiment has adopted USSD information to transmit the affirmation bill information, all can realize purpose of the present invention well, all is to belong to protection scope of the present invention.
Consult Fig. 3, Fig. 3 is the schematic illustration of the method step of the third embodiment of the present invention, the 3rd embodiment shown in Fig. 3 compares with second embodiment with first embodiment, the main difference part is that the automatic account transfer processing enter (1) among the 3rd embodiment is provided with interactive voice answering device (101), and being provided with one to multiple telephone line that is used for user mobile phone (6) communication, the processing enter of transferring accounts automatically (1) is carried out voice conversation by interactive voice answering device (101) and mobile telephone network (5) and user's mobile phone (6).In the 3rd embodiment, adopted and agreed that sign indicating number is as confirming bill information, the user sends a telegraph the telephone number that is used to confirm bill of automatic account transfer processing enter (1) by mobile phone (6), and after connecting telephone relation, go up by agreeing that sign indicating number confirms bill at mobile phone (6), the processing enter of transferring accounts automatically (1) is received will transfer accounts from user's bank account behind this agreements sign indicating number and be paid the expense of this bill.Continue to consult Fig. 3, the method shown in Fig. 3 also comprises following C group step:
C1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
C2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
C3. the user check short message content errorless after, agree to transfer accounts with paying the fees and just use mobile phone (6) to send a telegraph to call out the telephone number that is used to confirm bill of account transfer processing enter (1) automatically; Automatically account transfer processing enter (1) is answered this incoming call by interactive voice answering device (101), find out user's mobile phone (6) telephone number and user Bank Account Number from the telephone number of incoming call in paying bank (3), automatically the processing enter of transferring accounts then (1) is read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101), please the user import the expense that this bill is paid in agreement sign indicating number affirmation account transfer at mobile phone (6);
The user check the amount of money of paying the fees errorless after, agreement is transferred accounts to pay the fees and is just gone up by agreeing the sign indicating number affirmation at mobile phone (6), disagreeing with transfers accounts just pays the fees not according to agreeing that sign indicating number confirms, for example agrees that sign indicating number be " # ", and the user presses " # " and just agrees to transfer accounts to pay the fees as long as go up at mobile phone (6);
C4. the processing enter of transferring accounts automatically (1) is checked the user after the agreement sign indicating number that mobile phone (6) is upward imported is errorless, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
C5. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
C6. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
C7. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
Consult Fig. 4, Fig. 4 is the schematic illustration of the method step of the fourth embodiment of the present invention, the 4th embodiment shown in Fig. 4 compares with the 3rd embodiment, the main difference part is among the 3rd embodiment, the operation of confirming bill is by Client-initiated, is that the user initiatively sends a telegraph and calls out automatically account transfer processing enter (1) and import then and agree a sign indicating number affirmation bill.And among the 4th embodiment; the operation of affirmation bill is initiated by automatic account transfer processing enter (1); it is the mobile phone (6) of sending a telegraph the calling party by automatic account transfer processing enter (1); please the user agree sign indicating number affirmation bill in mobile phone (6) input; no matter adopt the 3rd embodiment or the 4th embodiment; all can realize purpose of the present invention well, all be to belong to protection scope of the present invention.Continue to consult Fig. 4, the method shown in Fig. 4 also comprises following D group step:
D1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
D2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
D3. after several minutes, the processing enter of transferring accounts automatically (1) is sent a telegraph the mobile phone (6) of calling out this user by interactive voice answering device (101);
D4. user's mobile phone (6) is received the incoming call of automatic account transfer processing enter (1), the user knows the incoming call of the processing enter of transferring accounts automatically (1) from this phone number of calling, the automatic processing enter (1) of transferring accounts was read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101) after the user answered this incoming call, please the user import the expense that this bill is paid in agreement yard affirmation account transfer at mobile phone (6);
The user check the amount of money of paying the fees errorless after, agreement is transferred accounts to pay the fees and is just gone up by agreeing the sign indicating number affirmation at mobile phone (6), disagreeing with transfers accounts just pays the fees not according to agreeing that sign indicating number confirms, for example agrees that sign indicating number be " # ", and the user presses " # " and just agrees to transfer accounts to pay the fees as long as go up at mobile phone (6);
D5. the processing enter of transferring accounts automatically (1) is checked the user after the agreement sign indicating number that mobile phone (6) is upward imported is errorless, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
D6. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
D7. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
D8. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
Consult Fig. 5, Fig. 5 is the schematic illustration of the method step of the fifth embodiment of the present invention, the 5th embodiment shown in Fig. 5 compares with the 4th embodiment, be respectively that mainly the 4th embodiment is that the user goes up by the step of agreeing that the sign indicating number affirmation is transferred accounts and paid the fees at mobile phone (6), and the step of the 5th embodiment, be that the user disagrees with to transfer accounts immediately and pays the fees, and wish after some days, just to determine whether to transfer accounts once more to pay the fees, the user just can be according to the financial position of oneself like this, instant confirm to pay the fees or postpone a couple of days just confirm to pay the fees, increased the elasticity of user's financing.Continue to consult Fig. 5, the method shown in Fig. 5 also comprises following E group step:
E1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
E2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
E3. after several minutes, the processing enter of transferring accounts automatically (1) is sent a telegraph the mobile phone (6) of calling out this user by interactive voice answering device (101);
E4. user's mobile phone (6) is received the incoming call of automatic account transfer processing enter (1), the user knows the incoming call of the processing enter of transferring accounts automatically (1) from this phone number of calling, the automatic processing enter (1) of transferring accounts was read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101) after the user answered this incoming call, please the user import the expense that this bill is paid in agreement yard affirmation account transfer at mobile phone (6);
Whether after the user checks the amount of money of paying the fees, want just to determine to transfer accounts to pay the fees after N days, the user, the numerical range of described N is from 1 to 9 at mobile phone (6) if just going up by digital N;
Automatically account transfer processing enter (1) receives after the user goes up the digital N of input at mobile phone (6), and mobile phone (6) the request user who sent a telegraph the calling party after N days once more imports and agrees that sign indicating number confirms that account transfer pays the expense of this bill.
Consult Fig. 6, Fig. 6 is the schematic illustration of the method step of the sixth embodiment of the present invention, the user has been shown in the present embodiment has registered his step in the account number of public works by note, can make things convenient for the user to increase the account of different public works at any time, using method of the present invention to transfer accounts automatically pays the fees, as long as the method by the 6th embodiment just can register to account number automatic account transfer processing enter (1) quickly and easily.Continue to consult Fig. 6, shown in Fig. 6 method comprise F group step, be that the user passes through the step of mobile phone (6) registered user in the account number of public works, concrete F group step is as follows:
F1. the user will be sent to automatic account transfer processing enter (1) with note at the account's of public works account information, and described account information comprises the title of account number and public works or the code name of public works;
F2. the processing enter of transferring accounts automatically (1) is found out user's mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from the source telephone number of note, find out account account and the title of public works or the code name of public works of user from short message content the account of public works;
Automatically account transfer processing enter (1) is checked account system (2) request that this account number and user's information such as name are sent to this public works;
F3. account system (2) check with this account number and user's name errorless after, notice automatically account transfer processing enter (1) is checked success;
F4. the processing enter of transferring accounts automatically (1) with this account number and user the Bank Account Number of paying bank (3) and user mobile phone (6) telephone number bundle mutually;
Automatically account transfer processing enter (1) is sent short messages and is notified the user this account number to be registered to user's mobile phone (6).
Below described feature of the present invention in detail, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Whether advantage of the present invention is to have increased user's checking a bill and determined to transfer accounts to pay the function of bill expense, thoroughly eliminates the not steady and sure psychological burden that the user produces automatic account transfer. Enforcement of the present invention is conducive to promote popularizing of automatic account transfer, to user and each public works benifit very all.
Claims (10)
1. confirm the system of just transferring accounts automatically and paying the fees after the bill with mobile phone remote for one kind, be used for paying the bill expense of public works for user's account transfer, it is characterized in that, described system includes automatic account transfer processing enter (1), the account system of public works (2), paying bank (3), receiving bank (4), wherein, described automatic account transfer processing enter (1) records each user's mobile phone (6) telephone number and this user in the Bank Account Number of paying bank (3) and this user account number in account system (2), when the user expires will pay the fees the time the account of account system (2), account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
2. as claimed in claim 1 with the system of just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill, it is characterized in that described bill information content comprises the pay the fees amount of money and account number.
3. as claimed in claim 1 with the system of just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill, it is characterized in that described user comprises user's credit card account, debit card account, credit card account, savings account, check account at the bank account of paying bank (3).
4. confirm the method for just transferring accounts automatically and paying the fees after the bill with mobile phone remote for one kind, be used for paying the bill expense of public works for user's account transfer, it is characterized in that, described method comprises that the user expires will pay the fees the time the account of the account system (2) of public works, account system (2) is sent to automatic account transfer processing enter (1) with this user's account's bill information, the amount information of paying the fees of this bill is sent to user's mobile phone (6) by automatic account transfer processing enter (1), and after obtaining user's mobile phone (6) and sending single information of admitting what one has said or done really, the processing enter of transferring accounts automatically (1) is just transferred accounts the money of the amount of money of paying the fees of this bill to the public works of this account system (2) bank account in receiving bank (4) from the user at the bank account of paying bank (3).
5. as claimed in claim 4ly confirm the method for just transferring accounts automatically and paying the fees after the bill to it is characterized in that described method comprises that following A organizes step with mobile phone remote:
A1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
A2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
A3. the user check short message content errorless after, agreeing transfers accounts to pay the fees just replys this note, disagreeing with transfers accounts pays the fees and does not just reply this note;
A4. after the processing enter of transferring accounts automatically (1) is received the note that the user replys, the source telephone number of checking this note be user's mobile phone (6) phone errorless after, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
A5. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
A6. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
A7. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
6. as claimed in claim 4ly confirm the method for just transferring accounts automatically and paying the fees after the bill to it is characterized in that described method comprises that following B organizes step with mobile phone remote:
B1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
B2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
B3. after several minutes, automatically account transfer processing enter (1) transmits the mobile phone (6) that USSD information is given the user by mobile telephone network (5), and the connection that keeps this USSD information channel, and wait for the return information of user by this USSD information channel, the described USSD information content comprises the amount of money of paying the fees, the public works title of this bill;
B4. user's mobile phone (6) is received the USSD information of automatic account transfer processing enter (1), the user check the USSD information content errorless after, agreement is transferred accounts to pay the fees and is just gone up by agreeing sign indicating number answer account transfer processing enter (1) automatically at mobile phone (6), and disagreeing with transfers accounts pays the fees just not according to agreeing the sign indicating number affirmation;
B5. the processing enter of transferring accounts automatically (1) check from this USSD information channel transmit the agreement sign indicating number of returning errorless after, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
B6. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
B7. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
B8. the processing enter of transferring accounts automatically (1) is sent short messages or USSD information is notified the user to transfer accounts for user's mobile phone (6) to pay the expense of this bill.
7. as claimed in claim 4ly confirm the method for just transferring accounts automatically and paying the fees after the bill to it is characterized in that described method comprises that following C organizes step with mobile phone remote:
C1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
C2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
C3. the user check short message content errorless after, agree to transfer accounts with paying the fees and just use mobile phone (6) to send a telegraph to call out the telephone number that is used to confirm bill of account transfer processing enter (1) automatically; Automatically account transfer processing enter (1) is answered this incoming call by interactive voice answering device (101), find out user's mobile phone (6) telephone number and user Bank Account Number from the telephone number of incoming call in paying bank (3), automatically the processing enter of transferring accounts then (1) is read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101), please the user import the expense that this bill is paid in agreement sign indicating number affirmation account transfer at mobile phone (6);
The user check the amount of money of paying the fees errorless after, agree to transfer accounts with just paying the fees and go up by agreeing that sign indicating number confirms that disagreeing with transfers accounts pays the fees just not according to agreeing a yard affirmation at mobile phone (6);
C4. the processing enter of transferring accounts automatically (1) is checked the user after the agreement sign indicating number that mobile phone (6) is upward imported is errorless, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
C5. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
C6. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
C7. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
8. as claimed in claim 4ly confirm the method for just transferring accounts automatically and paying the fees after the bill to it is characterized in that described method comprises that following D organizes step with mobile phone remote:
D1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
D2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
D3. after several minutes, the processing enter of transferring accounts automatically (1) is sent a telegraph the mobile phone (6) of calling out this user by interactive voice answering device (101);
D4. user's mobile phone (6) is received the incoming call of automatic account transfer processing enter (1), the user knows the incoming call of the processing enter of transferring accounts automatically (1) from this phone number of calling, the automatic processing enter (1) of transferring accounts was read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101) after the user answered this incoming call, please the user import the expense that this bill is paid in agreement yard affirmation account transfer at mobile phone (6);
The user check the amount of money of paying the fees errorless after, agree to transfer accounts with just paying the fees and go up by agreeing that sign indicating number confirms that disagreeing with transfers accounts pays the fees just not according to agreeing a yard affirmation at mobile phone (6);
D5. the processing enter of transferring accounts automatically (1) is checked the user after the agreement sign indicating number that mobile phone (6) is upward imported is errorless, to the pay the fees amount of money, user is sent to paying bank (3) at the Bank Account Number of paying bank (3), and request is paid the fees the money of the amount of money to the public works of this account system (2) bank account in receiving bank (4) from user's bank account account transfer;
D6. paying bank (3) check the amount of money of paying the fees, user's Bank Account Number errorless after, pay the fees the money of the amount of money to the public works of this account system (2) bank account from user's bank account account transfer in receiving bank (4);
D7. after transferring accounts successfully, this bill of the processing enter of transferring accounts automatically (1) notice account system (2) has successfully been transferred accounts and has been paid the fees;
D8. the processing enter of transferring accounts automatically (1) is sent short messages and is notified the user to transfer accounts to user's mobile phone (6) to pay the expense of this bill.
9. as claimed in claim 4ly confirm the method for just transferring accounts automatically and paying the fees after the bill to it is characterized in that described method comprises that following E organizes step with mobile phone remote:
E1. expire will pay the fees the time the account of the account system (2) of public works as the user, account system (2) is sent to automatic account transfer processing enter (1) with the bill information of this account, and described bill information comprises the pay the fees amount of money and account number;
E2. the processing enter of transferring accounts automatically (1) is found out the pay the fees amount of money and account number from this bill information, find out corresponding user mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from account number, the note that will comprise the pay the fees amount of money and this public works title of this bill is then notified the user by the mobile phone (6) that mobile telephone network (5) sends the user to;
E3. after several minutes, the processing enter of transferring accounts automatically (1) is sent a telegraph the mobile phone (6) of calling out this user by interactive voice answering device (101);
E4. user's mobile phone (6) is received the incoming call of automatic account transfer processing enter (1), the user knows the incoming call of the processing enter of transferring accounts automatically (1) from this phone number of calling, the automatic processing enter (1) of transferring accounts was read the public works title of this bill and the amount of money of paying the fees by interactive voice answering device (101) after the user answered this incoming call, please the user import the expense that this bill is paid in agreement yard affirmation account transfer at mobile phone (6);
Whether after the user checks the amount of money of paying the fees, want just to determine to transfer accounts to pay the fees after N days, the user, the numerical range of described N is from 1 to 9 at mobile phone (6) if just going up by digital N; Automatically account transfer processing enter (1) receives after the user goes up the digital N of input at mobile phone (6), and mobile phone (6) the request user who sent a telegraph the calling party after N days once more imports and agrees that sign indicating number confirms that account transfer pays the expense of this bill.
10. as claimed in claim 4 with the method for just transferring accounts automatically and paying the fees after the mobile phone remote affirmation bill, it is characterized in that, described method comprises F group step, is that the user passes through the step of mobile phone (6) registered user in the account number of public works, and concrete F group step is as follows:
F1. the user will be sent to automatic account transfer processing enter (1) with note at the account's of public works account information, and described account information comprises the title of account number and public works or the code name of public works;
F2. the processing enter of transferring accounts automatically (1) is found out user's mobile phone (6) telephone number and the user Bank Account Number in paying bank (3) from the source telephone number of note, find out account account and the title of public works or the code name of public works of user from short message content the account of public works;
Automatically account transfer processing enter (1) is checked account system (2) request that this account number and user's information such as name are sent to this public works;
F3. account system (2) check with this account number and user's name errorless after, notice automatically account transfer processing enter (1) is checked success;
F4. the processing enter of transferring accounts automatically (1) with this account number and user the Bank Account Number of paying bank (3) and user mobile phone (6) telephone number bundle mutually;
Automatically account transfer processing enter (1) is sent short messages and is notified the user this account number to be registered to user's mobile phone (6).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101086776A CN101957957A (en) | 2009-07-17 | 2009-07-17 | System and method for performing automatic transfer payment after confirming bill by mobile phone remote control |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101086776A CN101957957A (en) | 2009-07-17 | 2009-07-17 | System and method for performing automatic transfer payment after confirming bill by mobile phone remote control |
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| Publication Number | Publication Date |
|---|---|
| CN101957957A true CN101957957A (en) | 2011-01-26 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101086776A Pending CN101957957A (en) | 2009-07-17 | 2009-07-17 | System and method for performing automatic transfer payment after confirming bill by mobile phone remote control |
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| Country | Link |
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| CN (1) | CN101957957A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107507371A (en) * | 2017-07-31 | 2017-12-22 | 合肥光照信息科技有限公司 | A kind of cell comprehensive payment systems and its application method based on internet |
| CN112270793A (en) * | 2020-09-25 | 2021-01-26 | 青岛海尔施特劳斯水设备有限公司 | Water fee automatic payment method and system |
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| CN101042756A (en) * | 2006-03-20 | 2007-09-26 | 黄金富 | Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information |
| CN101146242A (en) * | 2006-09-11 | 2008-03-19 | 黄金富 | SMS confirmation telecommunication method for bank check encashing |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101042756A (en) * | 2006-03-20 | 2007-09-26 | 黄金富 | Telecommunication method for paying public mechanism charge such as electric charge and water charge etc with paying information |
| CN101146242A (en) * | 2006-09-11 | 2008-03-19 | 黄金富 | SMS confirmation telecommunication method for bank check encashing |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107507371A (en) * | 2017-07-31 | 2017-12-22 | 合肥光照信息科技有限公司 | A kind of cell comprehensive payment systems and its application method based on internet |
| CN112270793A (en) * | 2020-09-25 | 2021-01-26 | 青岛海尔施特劳斯水设备有限公司 | Water fee automatic payment method and system |
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Addressee: Huang Jinfu Document name: Notification of Passing Preliminary Examination of the Application for Invention |
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Address after: The International Chamber of Commerce building, No. 2 Beijing 100035 Xicheng District huapichang alley 16 Applicant after: Huang Jinfu Address before: 100032, Beijing, Financial Street, Xicheng District No. 27 investment Plaza, block B, 19 Applicant before: Huang Jinfu |
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Application publication date: 20110126 |