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CN102298758A - Help check transaction method and related equipment and computer programs - Google Patents

Help check transaction method and related equipment and computer programs Download PDF

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CN102298758A
CN102298758A CN 201010220955 CN201010220955A CN102298758A CN 102298758 A CN102298758 A CN 102298758A CN 201010220955 CN201010220955 CN 201010220955 CN 201010220955 A CN201010220955 A CN 201010220955A CN 102298758 A CN102298758 A CN 102298758A
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CN 201010220955
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Chinese (zh)
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大卫·纳卡什
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安智金融与工业公司
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Abstract

本发明涉及一种协助检查在银行结单中编辑的银行交易记录的准确性的方法,此交易记录至少在一个交易设备上进行。 The present invention relates to a method for checking the accuracy of the bank transactions to assist editors in the bank statements, this transaction performed at least one transaction device. 根据本发明,这种方法包括至少一个所述交易,并包括以下步骤:-通过所述交易设备发送至少一个第一信号,该信号包括一个跟所述交易相关联的信息;-通过至少一个移动终端接收至少一个第一信号;-通过所述移动终端传输至少包括所述信息的第二个信号到至少一个银行机构。 According to the present invention, the method comprises at least one of the transaction, and comprising the steps of: - transmitting by said at least one transaction device a first signal, which signal comprises a transaction information associated with said; - at least one mobile a first terminal receiving at least one signal; - said information by said mobile terminal comprises at least a second transmission signal to at least one banking institution. -通过一个控制交易的银行机构的服务器结合所述信息和与所述交易相关联的资料,并将该交易标记为已预先检查的交易。 - bonded by means of a control bank server of the transaction information and data associated with the transaction, and the transaction marked as checked in advance of the transaction.

Description

协助检查交易记录的方法及其相关设备和计算机程序 Help check transaction method and related equipment and computer programs

技术领域 FIELD

[0001] 本发明的领域在于,通过例如电子支付终端或自动提款机的交易设备的构件进行交易。 FIELD [0001] The present invention is, for example, an electronic payment transactions through a terminal member or cash dispenser transaction device.

[0002] 更具体地说,本发明涉及代表交易的银行结单的产品,更具体而言,协助检查在所述结单上的数据的准确性的实施构件。 [0002] More particularly, the present invention relates to a bank representative transaction invoice products, more specifically, by inspecting the accuracy of the data member of embodiment on the invoice.

现有技术 current technology

[0003] 某些组织,如金融机构,举例子而言,或者是管理客户账户的大型商场,可以提供给他们的客户不同的报表,尤其是电子报表或纸面报表。 [0003] Some organizations, such as financial institutions, for example in terms of the child, or shopping malls to manage customer accounts, can offer their customers to different reports, especially spreadsheets or paper reports.

[0004] 一般来说,银行结单都有一定数量的与客户所进行的交易相关的信息,且通常表现为每一个对应特定的交易的线的形式。 [0004] In general, bank statements have a certain number of transactions related to the customer for information, and manifests itself in the form corresponding to each line of the particular transaction.

[0005] 现有技术中的技术有一个缺点是这些结单可能包含很大数量的信息,使得客户很难进行核对当他或她想要确定这个信息的正确性时。 [0005] prior art technique has a drawback that these statements may contain a large amount of information that is difficult to verify the customer when he or she wanted to make sure this information is correct. 因此,对于一个月内客户所进行的交易的结单,这个客户需要花大量的时间去检查这个结单的内容。 Thus, for statements of transactions carried out within one month of the customer, the customer needs to spend a lot of time to check the contents of this statement.

[0006] 发明目的 [0006] Object of the Invention

[0007] 本发明的一个目标尤其是减轻现有技术的这些缺点。 [0007] An object of the present invention in particular to alleviate these drawbacks of the prior art.

[0008] 更精确地说,在至少一个实施例里,本发明提供一种技术使得想去验证银行结单中的数据的准确性的客户更加容易的对数据进行验证。 [0008] More precisely, in at least one embodiment, the present invention provides a technique that want to verify the accuracy of the data in the bank statement it easier for customers to verify the data.

[0009] 具体而言,本发明在于提供一种技术,该技术不需要任何另外的操作或者行动,特别是在交易的过程中。 [0009] Specifically, the present invention is to provide a technique which does not require any additional operations or actions, especially in the course of the transaction.

[0010] 本发明的另外一个目标是,对交易的验证没有限制或者是强制的。 [0010] Another object of the present invention is validation of the transaction is not limited or mandatory. 发明内容 SUMMARY

[0011] 本发明提出了一种新的解决方案且不具有所有这些现有技术的缺点,其为一种协助检查在银行结单中编辑的银行交易记录的准确性的方法,此交易记录至少在一个交易设备上进行。 [0011] The present invention proposes a new solution does not have the disadvantage of all these prior art, which is a method of checking the accuracy of the assist banking transactions edited in bank statements in the transaction recording at least in a transaction carried out on the device.

[0012] 根据本发明,这种方法包括至少一个所述交易,并包括以下步骤: [0012] According to the present invention, the method comprises at least one of the transaction, and comprising the steps of:

[0013]-通过所述交易设备发送至少一个第一信号,该信号包括一个跟所述交易相关联的信息; [0013] - transmitting a first signal through the at least one transaction device, which signal includes a transaction information associated with said;

[0014]-通过至少一个移动终端接收至少一个第一信号; [0014] - receiving at least a first signal through the at least one mobile terminal;

[0015]-通过所述移动终端传输至少包括所述信息的第二个信号到至少一个银行机构。 [0015] - the information transmitted by the mobile terminal comprises at least a second signal to at least one banking institution.

[0016]-通过一个控制交易的银行机构的服务器结合所述信息和与所述交易相关联的资料,并将该交易标记为已预先检查的交易。 [0016] - bonded by means of a control bank server of the transaction information and data associated with the transaction, and the transaction marked as checked in advance of the transaction.

[0017] 因此,该发明是基于一种具有新颖性的和创造性的方法去协助对银行结单的检查。 [0017] Accordingly, the invention is a method of novelty and inventive based on bank statement to assist in checking. 该方法利用了在交易中的用户所临近的移动终端使得可以标记所述交易为确信的或者已预检测的交易。 The method utilizes a user in transaction in the adjacent mobile terminal such that the transaction may be marked as pre or confident detection transaction. 这个标记使得可以在控制交易的银行机构这个层面上根据交易已经预检查和没有预检查而进行不同的操作,从而可以在银行结单上对其及进行不同的表明。 This tag makes it possible to have a pre-check on the banking institution having control of transactions at this level and not in accordance with the pre-check and perform different operations to be performed on a different bank statements show them and.

[0018] 根据本发明的一个实施例,实施在一个例如电子支付终端或者自动提款机的交易设备和一个例如移动电话或者一个“PDA”(个人数据助理)的移动终端之间的通信,该通信由参与在交易中的用户所进行。 [0018] According to one embodiment of the present invention, an example embodiment of the communication between the electronic payment terminal or a cash dispenser and a transaction device such as a mobile phone or a "PDA" (Personal Data Assistant), a mobile terminal, the communications that are made by the users to participate in the transaction.

[0019] 然后,该移动终端传输从交易设备上接到的信息到银行机构,该信息是“配对”的以使得本发明可以实施。 [0019] Then, the information terminal to the mobile banking institutions transmission received from the transaction device, the information is "paired" so that the invention may be practiced.

[0020] 举例而言,一个预先安装在用户的移动电话里的应用程序,可以说使得一个由接收自交易设备的信号所携带的信息传送到管理该用户账号的银行机构。 [0020] For example, a pre-installed application in the user's mobile phone, it can be said that the transmission of signals received from a transaction apparatus to manage the information carried by the user account banking institution.

[0021] 根据本发明的协助检查方法包含一个与典型的交易记录的程序平行的程序,该程序独立于后者,且是可选的。 [0021] A typical transaction with a recording method according to the present invention, by inspecting a program parallel program which is independent of the latter, and is optional.

[0022] 根据本发明的一个特定的特征,该协助检查方法包括一个由所述银行机构产生一个银行结单的方法,而且该方法根据交易是标记为已预先检查或者是没有被标记而进行不同的操作。 [0022] According to a particular feature of the invention, the inspection method comprising a method of assisting a bank statement is generated by the banking institution, and the method has been checked in advance of the transaction is not labeled or marked differently and operation.

[0023] 因此,对交易进行预先检查的标记使得管理这些交易的银行机构服务器可以对不同的交易进行不同的处理,也使得可以将它们标记为不同的银行结单。 [0023] Thus, the transaction is checked in advance for marking mechanism such that the bank server to manage these transactions may be handled differently for different transactions, also makes it possible to mark them as different bank statements.

[0024] 这样当用户想确定结单的准确性时,就会因为有些交易已经被标记为已经预先检查而使得检查变得便利。 [0024] so that when the user wants to determine the accuracy of the statement, it will because of some transactions has been marked as having been checked in advance so that check facilitated. 该用户因此只需要减产他或她的结单上那些没有已预先检查标记的交易。 Therefore, the user only needs to cut his or her statement that the transaction does not have a pre-inspection mark.

[0025] 一般而言,一个交易对应于结单里的一条线,其中包括交易数额,交易日期,交易说明等信息。 [0025] In general, a transaction corresponding to the invoice in a line, including the transaction amount, transaction date, transaction description information.

[0026] 例如,根据本发明的一个实施例,银行结单可以被分为两个不同的部分,第一个部分显示已预先检查的交易,第二部分显示没有经过预先检查的交易。 [0026] For example, according to one embodiment of the present invention, bank statements can be divided into two distinct parts, the first part has been checked in advance of the transaction display, the second display section has not been checked in advance of the transaction. 因此,例如在在电子银行结单中,用户可以要求不去显示第一部分的结单,而例如在纸面结单中,用户可以要求银行机构不要打印该结单的第一部分。 Thus, for example, in the electronic bank statements, the user may be required not to display the first portion of the invoice, and the invoice, for example, on paper, the user can not print requirements banking institutions first portion of the invoice.

[0027] 也可以在银行的结单的后面对已预先检查的交易进行归组使得用户在进行检测时能够很容易的对它们进行辨认。 [0027] face may be pre-checked invoice transactions in banks after grouping is performed such that a user can be performed easily recognizable when they are detected.

[0028] 在另一个例子中,银行结单可以有专门的构成去标记这些已预检查的交易为(例如)不同的文字颜色,不同的文字格式,斜体或者加粗,一个额外的列表示一个已预检查的 [0028] In another example, a bank statement can be configured to have a special tag which is pre-checked transaction (e.g.) different text colors, different text formats, bold or italic, an additional column represents a pre-check

标记等等。 Mark, and so on.

[0029] 根据本发明的一个实施例,与所述交易相关的所述信息包括与所述交易相关的已经编码的消息且/或一个所述交易所用的电子卡。 [0029] According to one embodiment of the present invention, the information related to the transaction comprising the encoded message has been associated with the transaction and / or exchange with one of the electronic cards.

[0030] 在这个情况下,这个与该交易相关联的信息可以被解码并关联到讨论中的交易和参与到交易中的电子卡。 [0030] In this case, the information associated with the transaction can be decoded and related to the transaction in question and to participate in the electronic transaction card. 这个消息在识别(例如)卡的携带者和因此他或她的银行账户从而使得可以接下来利用这个交易标记消息中是必须的。 The message identification (for example) card carriers and therefore his or her bank account so that you can take advantage of this deal marks the next message is necessary.

[0031] 举例而言,这个消息使得已经接收到该信息的银行机构能够知道谁是相关的用户。 [0031] For example, banks such that the message has been received the message is able to know who is related to the user.

[0032] 具体而言,所述第一信号根据一个属于一群组中的技术来进行传输,该群组包括: [0032] Specifically, the first signal transmitted according to a technique belonging to the group, the group comprising:

[0033]-“蓝牙”技术;[0034]- “无线局域网络”技术; [0033] - "Bluetooth" technology; [0034] - "WLAN" technology;

[0035]- “射频识别”技术; [0035] - "RFID" technology;

[0036]- “近场通信”(技术; [0036] - "near field communication" (Technology;

[0037]-红外技术。 [0037] - infrared technology.

[0038] 因此根据本发明不同的实施例,交易设备与移动终端之间的通信的实施根据参与的移动终端的不同而使用不同的技术。 [0038] Thus, according to different embodiments of the present invention, the embodiment of the communication between the transaction device and the mobile terminal using different techniques depending on the mobile terminals involved.

[0039] 根据本发明的一个具体的特征,所述第一信号发送给所有交易设备附近的移动终端。 [0039] According to a particular feature of the invention, the first signal to the mobile terminal apparatus close to all transactions.

[0040] 因此,当客户在进行一个交易时,该参与的交易设备产生一个第一信号并传播给所有附近的移动终端。 [0040] Thus, when a client during the transaction, the transaction involving a first device generates a signal and propagated to all nearby mobile terminal.

[0041] 根据这个实施例,该交易设备没有指定其信号到一个具体的移动终端而是传播到所有临近的能够接收的移动终端。 [0041] According to this embodiment, the transaction device does not specify a particular signal to a mobile terminal instead propagated to all the mobile terminals can receive a nearby. 这个实施例使得该交易设设备可以产生它的第一信号而不用去担心接收器的问题。 This embodiment is provided such that the transaction device may generate a first signal it without having to worry about the receiver.

[0042] 举例而言,当这个交易设备通过“蓝牙”技术来进行通信,所有在可以接收距离内的手提电话或者手提电脑都会接收到这个第一信号。 [0042] For example, when the transaction device to communicate via a "Bluetooth" technology, can be received in all cellular phones or laptop computers are within a distance of the first received signal.

[0043] 根据在下面描述的不同的实施例,这些被临近所有的移动终端接收到的信号被不同的处理。 [0043] According to various embodiments described below, these are all mobile terminals adjacent to the received signal by a different process.

[0044] 因此,这些已经接收到一个信号的移动设备将该信号所携带的信息传送到“配对” 的银行机构。 [0044] Thus, a signal which has been received the mobile device transmits the information signal is carried to "pair" banking institution.

[0045] 本发明的该实施例并不要求接收到该信息的移动终端执行此信息。 This embodiment [0045] of the present invention does not require the mobile terminal receives the information to perform this information. 因此该移动终端系统地将该信息传送而不知道其内容以及该交易是否实际上和它们所传送到的银行机构相关联。 Thus the mobile terminal transmits the information to the system without knowing the contents of the transaction and whether they are actually transmitted and banking institutions to be associated.

[0046] 该信息的这个程序在接收到该信息的银行机构中被后续的进行。 [0046] The application of this information is performed in the subsequent banks receiving the information. 因此每一个从移动终端接收到一个信息的银行机构都对该信息进行解码以便选出与该交易相关联的消息或者与参与在该交易中的电子卡相关联的消息。 Thus banks each receiving a message from the mobile terminal are selected in order to decode the information associated with the message or a transaction message with participating in the transaction associated with an electronic card. 这样,与该卡相关联的银行账号就能被识别,而且银行机构也能知道是否管理所述账号。 In this way, it can be identified with a bank account associated with the card, and banking institutions, to know whether to manage the account.

[0047] 假如该银行机构是管理所述账号,该银行机构通过一个服务器实施一个结合该信息与该交易的至少一个资料的步骤,且将该交易标记为已预先检查的交易。 [0047] If the institution managing the bank account, the banking institutions embodiment a step of binding the at least one information from the transaction information by a server, and the transaction marked as checked in advance of the transaction. 如果不是的话, 该银行机构停止对该信息的所有程序。 If not, the banking institutions to stop all the program information.

[0048] 根据本发明的一个具体的因素,对每一个接收到所述第一信号的移动终端而言, 该协助检查方法包括一个验证所述与所述交易相关的信息的步骤,以及将一个第二信号传送给至少一个银行机构的步骤,该步骤只在已经验证了所述信息的移动终端上实施。 [0048] According to a particular factor according to the present invention, for each received first signal to said mobile terminal, the method comprising a step of checking help information related to the validation of the transaction, and a embodiment of the second signal is transmitted to the banking institution at least one step, which step has been verified only in the information of the mobile terminal.

[0049] 因此根据这个实施例,每一个移动终端从交易设备上接收到一个信号会先验证该信号是否相关,比如,该交易是否是被该移动设备的携带者的电子卡所进行的。 [0049] Thus, according to this embodiment, each mobile terminal receives from the transaction apparatus to a signal will verify whether the signal correlation, for example, whether the transaction is to be carried out of the mobile device carrier of an electronic card. 如果是这样的话,该移动终端会传送该信息到相关的银行机构,如果不是,该移动终端会忽视该信息。 If this is the case, the mobile terminal will transmit this information to the relevant banking institutions, if not, the mobile terminal will ignore the information.

[0050] 同样的,在该信息中的消息可以使得在移动终端的应用程序辨别在交易中的电子卡,然后识别该卡是否与该移动终端的携带者相关联。 [0050] Also, in the information message may be such that the application of the mobile terminal to identify the electronic card in the transaction, and identify whether the card carriers associated with the mobile terminal.

[0051] 在这种情况下,该消息并没有系统的传递给所有的银行机构,而只是传送给管理该交易的银行机构。 [0051] In this case, the message was not delivered to all banking institutions of the system, but only to the management of banking institutions of the transaction. [0052] 根据本发明的一个实施例,该协助检查方法宝货一个发送的初步步骤。 [0052] According to one embodiment of the present invention, the initial steps of the inspection method to assist a treasure goods sent. 该步骤将至少一个识别消息发送到所述的交易设备,并且该第一信号只传送到所述的移动终端。 The step of identifying at least one message to said transaction apparatus, and the first signal is sent only to the mobile terminal.

[0053] 因此,根据该实施例,该交易设备没有传播一个信号到所有临近的移动终端,而只是传送该信号到一个先前识别的和交易相关的移动终端。 [0053] Thus, according to this embodiment, the transaction device does not propagate a signal to all the adjacent mobile terminal, and transmitting only the mobile terminal and the transaction related to a previously identified signal.

[0054] 该发明同样涉及到一个能够执行银行交易的的交易设备,其包括将包含与所述交易相关的信号发送到至少一个临近的移动终端的构件。 [0054] The invention also relates to a transaction apparatus capable of performing banking transactions, comprising the transmitting comprising at least one member adjacent to the mobile terminal associated with said transaction signal.

[0055] 该设备特别的能够实施上面所述的协助检查的方法。 [0055] The particular embodiment of the method can assist the inspection apparatus described above. 而且,例如是一个电子支付终端或者自动提款机。 Further, for example, it is an electronic payment terminal or a cash dispenser.

[0056] 本发明的另外一个因素,涉及一个银行服务器,其包括: [0056] Another factor of the present invention relates to a bank server, comprising:

[0057]-接收包含至少一个与一个交易相关的信息的信号的构件; [0057] - receiving means comprises at least one signal associated with the transaction information;

[0058]-执行该信息的构件 [0058] - means to execute the information

[0059]-结合所述信息与至少一个与一交易相关的资料的构件,将所诉交易标记为已预先控制的交易的构件。 [0059] - binding said information data with at least one member associated with a transaction, the transaction will be flagged as pre-transaction control component v.

[0060]-产生至少一个银行结单的构件,且根据已标记为预先检查的交易或者没有标记的交易而进行不同的程序。 [0060] - generating at least one member of the bank statement and according to the different procedures for the pre-marked or unmarked transaction check transactions.

[0061] 本发明还涉及到一个移动终端,包括: [0061] The present invention further relates to a mobile terminal, comprising:

[0062]-接收至少一个包括与一交易相关的信息且被进行所述交易的交易设备发送的所述信号的构件; [0062] - receiving at least one transaction includes information associated with a member and is subjected to the signal transmitted from the trade transaction apparatus;

[0063]-传送包含至少一个所述信息的第二信号到至少一个银行机构的构件; [0063] - transmitting a second signal comprising said information to at least one member of the at least one banking institution;

[0064] 使得可以通过一个控制该交易的银行机构的服务器结合所述的信息和至少一个与所述交易相关的资料,并且将所诉交易标记为一个预先检查的交易。 [0064] such a server via the banking institutions and at least one transaction information associated with said transaction data in combination with the control, the transaction token and the complaint of a trading checked in advance.

[0065] 根据本发明的该终端包括将所述信号所携带的与一个交易相关的信息验证的构件,其特征还在于该验证构件的实施优先于发送包含至少一个所述信息的第二信号到至少一个银行机构的构件。 [0065] According to the present invention includes a terminal authentication information associated with a member of the transactions carried signal, further characterized in that the verification of the embodiment in preference to the second member comprises at least one signal is transmitted to said information at least one member banking institutions.

[0066] 该发明同样涉及一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在交易设备上执行。 [0066] The invention also relates to a and / or downloaded from a communication network from the storage to the computer-readable and / or processing by a computer program on a structural support software, which comprises means for the implementation of claim 1 to 8, said at least one inspection method as claimed in claim assistance program code instructions executed on the transaction device.

[0067] 该发明也涉及一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在移动终端上执行。 [0067] The invention also relates to a downloadable from a communications network from and / or saved to a computer-readable and / or processing by a computer program on a structural support software, which comprises means for the implementation of claim 1 to 8, said at least one inspection method as claimed in claim assistance program code instructions, which execute on the mobile terminal.

[0068] 该发明另外涉及一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在银行服务器上执行。 [0068] The invention further relates to a downloadable from a communications network from and / or saved to a computer-readable and / or processing by a computer program on a structural support software, which comprises means for the implementation of claim 1 to 8, said at least one inspection method as claimed in claim assistance program code instructions, which execute on the bank server.

[0069] 该发明最后涉及通过一个银行服务器发送的代表一个说明的信号,其包括至少一个指示器可以将交易标记为已经预检查从而根据权利要求1到8中的协助检查方法将其与没有标记的交易区分。 [0069] The invention finally relates to a signal representative of the bank server sends a description of which includes at least a transaction indicator may be marked as having been pre-examination to assist in the inspection method according to claim 1 to 8, which is not marked with the transaction distinction.

附图说明 BRIEF DESCRIPTION

[0070] 在阅读仅出于说明性而非限制性目的给出的优选实施例的以下描述之后且从附图中将更明了本发明的其它特征和优点,其中: [0070] After reading the following description of embodiments merely for illustration and not limitation of the embodiments set forth preferred and other features and advantages will become more apparent from the accompanying drawings of the present invention, wherein:

[0071]-图la,Ib和Ic的例子显示了一个实施该协助检查方法的一个系统的例子。 [0071] - Figures la, Ib and Ic show an example of an example of an embodiment of a method of checking the assisting system.

[0072]-图2a,2b和2c中显示了该方法的主要步骤,且根据在la,Ib和Ic中的系统进行实施。 [0072] - Figures 2a, 2b and 2c show the main steps of the method and system implemented in accordance with la, Ib and Ic are.

[0073]-图3显示了根据一个实施例对预先检查的过程进行不同的操作。 [0073] - Figure 3 shows the different operations of the process to check in advance according to an embodiment.

具体实施方式 detailed description

[0074] 基本原则 [0074] The basic principle

[0075] 本发明的总的原则是基于一个客户的移动终端的使用,以传递从交易设备接收的一个信息,例如涉及交易的收据给客户的银行机构。 [0075] The general principles of the present invention is based on the use of a customer's mobile terminal, to transmit the transaction information received from a device, such as a receipt to the customer transactions involving banking institution.

[0076] 该收据可以使得银行机构去标记该交易为信任的或者经过预先检查的交易,从而根据该交易是否被标记而进行不同的分类。 [0076] The receipt may make banking institutions to mark the transaction as a trust or through pre-examination of the transaction, and thus classified differently depending on whether the transaction is marked.

[0077] 该分类接着可以使得银行结单由不同的呈现,从而使得客户更加容易的去检查他/她的银行结单。 [0077] The classification can then make a bank statement by the different presentation, making it easier for customers to check his / her bank statements.

[0078] 当一个银行结单被一个银行机构产生时,一些多元的选择就能被选择使得区分那些已经标记为经过预检查和没有标记的结单。 [0078] When a bank statement is generated a banking institution, some of the polyol can be selected such that the selected pre-check and distinguish those not marked invoice has been marked.

[0079] 例如,被标记为预先检查的交易会被归组到银行结单的最后,或者所述结单的附件里,因此,该用户可以在检查结单的时候节省很多时间。 [0079] For example, is marked as checked in advance of the deal would be grouped into the last, or the invoice's accessory bank statements, therefore, the user can save a lot of time when checking the invoice.

[0080] 在另一个例子中,银行结单可以有专门的构成去标记这些已预检查的交易为(例如)不同的文字颜色,不同的文字格式,斜体或者加粗,一个额外的列表示一个已预检查的 [0080] In another example, a bank statement can be configured to have a special tag which is pre-checked transaction (e.g.) different text colors, different text formats, bold or italic, an additional column represents a pre-check

标记等等。 Mark, and so on.

[0081] 被标记为已经预先检查的交易可以在一个另外的列被确认为一个识别器,这个可以在图Ia中的结单130中看到。 [0081] is marked as having been checked in advance of the transaction can be confirmed in a further column into a reader, this can be seen in Fig Ia the invoice 130.

[0082] 第一实施例的实例 [0082] Examples of the first embodiment

[0083] 根据第一个实施例,提供一个例子,可以参考图1,其中提供一个在第一个实施例中的实施的系统。 [0083] According to a first embodiment, an example, with reference to FIG. 1, a first embodiment of a system according to the embodiment.

[0084] 一个交易设备10被考虑,其中第一个用户Ul已经插入一个电子卡110,使得其进行一个交易T。 [0084] 10 is considered a transaction device, wherein a first user Ul an electronic card 110 has been inserted, such that for a transaction T.

[0085] 这个用户Ul是一个移动终端11的携带者,该移动终端包括1个或者多个天线111,112,该天线可用来传输。 [0085] Ul the user terminal is a mobile carrier 11, which comprises a mobile terminal 111 or a plurality of antennas, the antenna used to transmit.

[0086] 另外,该用户的银行账户,以及更加具体的,交易由电子卡110来实施。 [0086] Further, the user's bank account, and more specifically, the transaction card 110 is implemented by the electronic. 该用户银行账户已经电子卡都是有银行机构来管理,该银行机构有一个服务器13来存贮与建交易相关的信息。 The user has an electronic card bank account are all banking institutions to manage the 13 banking institutions have a server to store information related to the construction trade. 而且能够产生(独自或者与其他服务器结合)银行结单130。 And capable of generating (either alone or in combination with other servers) bank statement 130.

[0087] 在交易T进行的时候,另外一个用户U2携带一个移动终端12,包括一个或者多个天线121,122,该天线用于接收和发送,也在交易设备10旁边(例如在一个自动提款机前面)° [0087] When T is the transaction, another user U2 carries a mobile terminal 12, including one or more antennas 121 and 122, the antenna for receiving and transmitting, also next transaction device 10 (e.g., in an automatic lifting dispensing machine front) °

[0088] 在图加中在第一个实施例例的协助检查的方法的主要步骤将被描述,该实施例参考图Ia被系统的描述。 The main steps of the method by inspecting the Example [0088] In the first embodiment in FIG adding will be described with reference to FIG Ia is described embodiment of the system of FIG.

[0089] 在交易T进行的时候,或者过后(例如,根据交易设备的应用或者通讯堵塞),交易设备10通过天线100在步骤20中发送第一信号Si,该信号包括一个与交易T相关联的信息。 [0089] When performed in the transaction T, or after (e.g., transaction device according to an application or communication congestion), the transaction device 100 through the antenna 10 transmits a first signal Si, in step 20, which comprises a signal associated with the transaction with T Information. 例如,该信息可以对应一个账单,包括和交易T相关联的信息,比如数额和日期以及和电子卡10相关的信息,例如银行账户,或者另外一个银行检验人,一个电子卡携带者的检 For example, this information may correspond to a bill, including information and transactions associated with the T, such as 10-related information as well as the amount and the date and electronic card, such as a bank account, a bank or another surveyor, an electronic check card carriers

验人等等。 Experience people and so on.

[0090] 这个消息可以在信号Sl里的信息中以被编码的方式传送。 [0090] This message may be transmitted in a manner to be encoded in the signal Sl in the information. 这样假定了密码的一个初步的改变已经发生(为了解译这个消息),在交易终端和银行机构13之间,或者在交易终端和移动终端之间,以一个典型的方式,但是这个方式在这里不做详细的描述。 This assumes an initial password change has occurred (To interpret this message) between the transaction terminal 13 and the banking institution, or between the transaction terminal and the mobile terminal, to a typical embodiment, but the embodiment here not described in detail.

[0091] 这个信号可以通过不同的通信技术进行传递,比如““蓝牙”技术,“无线局域网络” 技术,“射频识别”技术,“近场通信”技术,红外技术等。 [0091] This signal may be transmitted through different communication technologies, such as "" Bluetooth "technology," Wireless LAN "technology," RFID "technology," near field communication "technology, infrared technology.

[0092] 在图Ia的例子中,该信号Sl在步骤21中通过“蓝牙”传播和接收,通过移动终端11和12,相对应的由用户Ul和U2来携带该些移动终端。 [0092] In the example of FIG. Ia, the signal Sl in step 21 by "Bluetooth" communication and receive, 11 and 12, corresponding to the plurality of mobile terminal carried by the user through the mobile terminal Ul and U2.

[0093] 在这个例子里,移动终端11和12是可以通过第一个天线111 (或者121)来接收, 且对这样的信号Sl进行解码,从而识别在所述信号例携带的信息是否和一个所述终端的携带者的电子卡相关联。 [0093] In this example, the mobile terminal 11 and 12 can be received by the first antenna 111 (or 121), and a signal Sl of such decoding, information to identify whether the signal carried embodiment and a the terminal electronic card carriers associated.

[0094] 比如,该移动终端11可以解码信号Sl里的信息,从而识别在与电子卡110相关的消息里的银行识别器与移动终端携带者Ul的银行识别器相对应。 [0094] For example, the mobile terminal 11 can decode the signal Sl in the information to identify the bank and the mobile terminal identification carriers Ul bank identifier associated with the electronic card 110 in the corresponding message. 接着改移动终端11就可以认可该信息。 Then the mobile terminal 11 can change the information authorized.

[0095] 相似的,移动终端12可以解码Sl信号Sl里的信息,从而识别在与电子卡110相关的消息里的银行识别器与移动终端携带者U2的银行识别器不相对应。 [0095] Similarly, the mobile terminal 12 can decode the information in Sl Sl signal, to identify the bank and the mobile terminal identification carriers U2 bank identifier associated with the electronic message's card 110 does not correspond.

[0096] 这样,信号Sl里的信息就不会被没有被认可的终端执行。 [0096] Thus, the signal Sl The information will not be executed has not been recognized by the terminal.

[0097] 在图Ia的例子里,移动终端11已经认可了该信息,并传送该信息到银行机构的13,在步骤22中,通过一个被第二个天线112传送的第二信号。 [0097] In the example of FIG. Ia, the mobile terminal 11 has recognized that information, and transmits the information to the banking institutions 13, in step 22, is transmitted through a second antenna 112. The second signal.

[0098] 该银行终端,通过银行服务器13,接收到信号S2,在步骤23中选出相关的信息以及一个或者多个与交易T相关的资料。 [0098] The bank terminal 13, the received signal S2 through the bank server, and information related to the selected one or more information associated with the transaction T in step 23.

[0099] 在步骤M中,银行服务器将交易T标记为已经预检查的交易,使得在接下来可以对不同的交易进行不同的操作,特别是当相对应的银行结单被产生的时候。 [0099] In step M, the bank server transaction T has been pre-marked check transactions, so that the next operation may be different for different transactions, especially when the corresponding bank statement is generated.

[0100] 第二具体实施方式 [0100] The second embodiment DETAILED DESCRIPTION

[0101] 参考图2b可知,协助检查方法的主要步骤将被本发明的第二具体实施方式所表述。 [0101] understood with reference to Figure 2b, the main steps of the inspection method will be to assist the formulations of the second embodiment of the present invention.

[0102] 在上述步骤20之前,移动终端11在步骤200中发送一个或多个识别信息给交易设备10。 [0102] Before the above-described step 20, the mobile terminal 11 transmits identification information to the one or more transaction device 10 in step 200. 这个识别信息使得交易设备10能够识别所述移动终端11,该移动终端11是交易T的第一信号Sl的接收器。 The identification information that identifies the transaction device 10 to the mobile terminal 11, the mobile terminal 11 is the receiver of the first signal Sl of the transaction T.

[0103] 因此移动终端可以传送信息给相应的电话号码,以及与用户Ul相关的电子卡110 的识别信息。 [0103] Thus the mobile terminal may transmit information to the corresponding phone number, and user identification information associated with the Ul 110 of electronic cards.

[0104] 这样,在步骤20中,交易设备通过天线100发送信号Sl只给移动终端11,即使移动终端12也在附近。 [0104] Thus, in step 20, the transaction device sends a signal through the antenna 100 to only the mobile terminal Sl 11, 12 are close to even a mobile terminal.

[0105] 本方法下面的步骤与图Ia和加中所示相同。 [0105] The following steps of the method shown in FIG. Ia and processing the same.

[0106] 这个具体实施方式能够实现一种具体的信息由移动终端接收的过程,如上述的例子中所提到的,能够被避免。 [0106] This particular embodiment enables a particular embodiment of the process information received by the mobile terminal, such as the above mentioned examples, it can be avoided. 事实上,由于移动终端由交易设备所识别,则所接收的信息都是向该终端发送的,并且它可以直接通过第二信号传送信息到负责交易的银行机构。 In fact, since the mobile terminal device is identified by the transaction, then the received information is transmitted to the terminal, and it can be directly through the banking institution responsible for the second signaling information to the transaction.

[0107] 第三具体实施方式 [0107] The third embodiment DETAILED DESCRIPTION

[0108] 参考图3a可知,协助检查方法的主要步骤将被本发明的第三具体实施方式所表述,该方法将在图Ic所示的系统中实施。 [0108] understood with reference to FIG 3a, the main steps of the inspection method to assist the expression is a third embodiment of the present invention, the method in the system shown in FIG. Ic embodiment.

[0109] 因此,终端11和12通过第一天线111 (或者121)接收有交易设备10发送的信号Si。 [0109] Thus, the terminal receives the signal transmitted from the transaction apparatus 10 Si 11 and 12 through the first antenna 111 (or 121).

[0110] 在这个实施例中,步骤22中,终端11和12传输由信号Sl携带的信息到所述的银行机构的服务器,分别为13和14,以信号S2的形式,通过每个移动终端11和12,并且通过第二天线112(或者122)。 [0110] In this embodiment, step 22, the terminal 11 and 12 carried by the signal transmitting information to the server Sl of the banking institutions, 13 and 14, respectively, in the form of signal S2 by each mobile terminal 11 and 12, and by the second antenna 112 (or 122).

[0111] 不像第一具体实施方式中所示,即使信息并不针对它们,终端11和12并不首先使信号Si携带的信息生效,并直接传输该信息到银行机构。 [0111] Unlike the first embodiment shown, even if the information is not for them, the terminal information 12 and 11 do not take effect firstly carry signal Si, and the information is transmitted directly to the banking institutions. 例如,交易T包括用户Ul的电子卡110,并不因此而原则上针对负责管理用户U2的账户的银行机构14。 For example, the user Ul transaction T include an electronic card 110, and therefore not in principle for the institutions responsible for managing the bank account of the user U2 14.

[0112] 在步骤230中,银行机构13和14所接收到的由信号Sl携带的信息会被每个机构处理,以此确定该信息是否涉及它们。 [0112] In step 230, banking institutions 13 and the information carried by the received signal Sl 14 to be processed for each mechanism, in order to determine whether the information relates to them.

[0113] 因此,在这个信号中传输的信息与交易T和电子卡110有关,它由银行机构13和14中的每个机构用来与他们各自负责的账号比较,以此确定是否使该信息生效。 [0113] Thus, information and transaction T and related electronic card 110 in the signal transmission, which is used to account with their respective responsibility of each institution in the 13 and 14 banking institutions compared in order to determine whether or not to make the information effect.

[0114] 在图3a所示的实施例中,银行机构13从信息的账户识别信息中认出由它所管理的一个账户信息,在这种情况下为用户U1。 [0114] In the embodiment illustrated in FIG. 3a, 13 banks recognized by one account information it manages, in this case from the user U1 of the account identification information. 由此它实施该方法的步骤23和24,如在图加中所示。 Whereby the steps of the method it implements 23 and 24, as shown in FIG added.

[0115] 银行机构14没有认出信息中包含的账户识别信息,并不对信息进行处理。 [0115] mechanism 14 does not recognize the bank account information includes the identification information, the information is not processed.

[0116] 具体实施方式的实施例 Embodiment [0116] Detailed Description of the Example

[0117] 如图3所示,与交易有关的主要交换以及与该交易的预检查有关的交换都在本发明的一个具体实施例中体现出来。 [0117] As shown, the main exchange and transactions associated with the pre-check of the exchange transaction in Example 3 are reflected in a particular embodiment of the present invention.

[0118] 典型的与交易相关的交换如下: [01] A typical exchange associated with the transaction as follows:

[0119] 步骤30通过持卡人提供的个人识别码的方式识别交易中涉及的卡110。 30 PIN mode identifying transactions provided by the cardholder [0119] Step 110 relates to a card. 卡及识别密码的信息通过第一电话网络传输给银行机构13的服务器; Card identification information and password transmitted over the network to the first telephone banking institution server 13;

[0120] 步骤31通过银行机构13确认何种交易已经进行,例如,之前识别的客户账户的可用金额。 [0120] steps 31 through 13 banking institutions which confirm the transaction has been carried out, for example, previously identified customer account of the amount available. 确认的结果通过第一电话网络传输给交易设备10 ; Confirmation result to the transaction apparatus 10 via a first telephone network;

[0121] 步骤34在银行服务器13的数据库中记录与交易有关的数据。 [0121] Step 34 the data relating to the transactions in the database server 13 in the bank.

[0122] 根据不同的实施方式,本发明涉及用步骤34中记录下来的数据,通过额外的可选的交换充实交易相关的数据。 [0122] According to various embodiments, the present invention relates to data recording step 34, down through the exchange of additional data related to optional enrichment transaction.

[0123] 根据本发明的具体实施方式,这些交换如下: [0123] According to a particular embodiment of the present invention, the exchange of the following:

[0124] 步骤20通过交易终端10发送第一信号Sl到移动终端11,例如通过蓝牙技术; [0124] Step 20 by transmitting a first signal Sl transaction terminal 10 to the mobile terminal 11, for example via Bluetooth technology;

[0125] 步骤21移动终端11通过第一天线111接收信号Sl ; [0125] step 21, the mobile terminal 11 receives the signals Sl through the first antenna 111;

[0126] 步骤22移动终端11通过天线112和第二电话网络发送信息S2 (或传输收到的信息Si); [0126] Step 22 the mobile terminal 11 transmits information S2 (receive or transmit information Si) by a second antenna 112 and the telephone network;

[0127] 步骤35通过银行机构13接收信息S2 ; [0127] Step S2 13 35 receives the information through the banking institutions;

[0128] 步骤36通过银行机构13的服务器产生并记录与交易的预检查有关的数据、补充信息和备注。 [0128] Step 36 through the bank server generating means 13 and the pre-inspection record data relating to transactions, Supplementary information and remarks.

Claims (17)

  1. 1.本发明涉及一种协助检查在银行结单中编辑的银行交易记录的准确性的方法,此交易记录至少在一个交易设备上进行。 1. The present invention relates to a method for checking the accuracy of the edit assist banking transactions recorded in the bank statements, this transaction performed at least one transaction device. 根据本发明,这种方法包括至少一个所述交易,并包括以下步骤: -通过所述交易设备发送至少一个第一信号,该信号包括一个跟所述交易相关联的信息;-通过至少一个移动终端接收至少一个第一信号;-通过所述移动终端传输至少包括所述信息的第二个信号到至少一个银行机构。 According to the present invention, the method comprises at least one of the transaction, and comprising the steps of: - transmitting by said at least one transaction device a first signal, which signal comprises a transaction information associated with said; - at least one mobile a first terminal receiving at least one signal; - said information by said mobile terminal comprises at least a second transmission signal to at least one banking institution. -通过一个控制交易的银行机构的服务器结合所述信息和与所述交易相关联的资料, 并将该交易标记为已预先检查的交易。 - bonded by means of a control bank server of the transaction information and data associated with the transaction, and the transaction marked as checked in advance of the transaction.
  2. 2.根据权利要求1所述的协助检查的方法,其特征在于包括一个由所述银行机构的服务器产生的银行结单的步骤,根据交易已标记预先检查或者没有标记而实施不同的程序。 The assistance of the inspection method as claimed in claim 1, further comprising the steps of generating a bank server of the bank by means of invoices, checks in advance or not marked according to the different procedures implemented transaction marked.
  3. 3.根据权利要求1或2的协助检查方法,其特征在于所述与交易相关的信息包括与所述交易相关联的的经编码的信息和/或所述交易所述交易所用的电子卡。 The assist inspection method as claimed in claim 1 or 2, wherein said electronic card comprising information related to the encoded transaction associated with the transaction of information and / or with the transaction of the exchange .
  4. 4.根据权利要求1到3中任一项权利要求的协助检查方法,其特征在于所述第一信号根据属于一个群组的传输技术来传输,该群组包括:-“蓝牙”技术; -“无线局域网络”技术; -“射频识别”技术; -“近场通信”技术; -红外技术。 4. assist inspection method according to any one of claims 1 to 3 according to claim, wherein said first signal is transmitted according to the transmission technology belonging to a group, the group comprising: - "Bluetooth" technology; - "wireless LAN" technology; - "RFID" technology; - "near field communication" technology; - infrared technology.
  5. 5.根据权利要求1到4中任一项权利要求的协助检查方法,其特征在于将所述第一信号发送到所述交易设备赴京的所有的移动终端。 The assist inspection method according to any one of claims 1 to 4 according to claim claim, wherein sending the first signal to all the mobile terminals of the transaction apparatus to Beijing.
  6. 6.根据权利要求5中的协助检查方法,其特征在于所述传送第二信号到至少一个银行机构的步骤是被已接受到第一信号的移动终端所实施。 The assist in inspection method as claimed in claim 5, wherein said second signal is transmitted to the at least one step of the banking institution has received the mobile terminal is a first embodiment of the signal.
  7. 7.根据权利要求5中的协助检查的方法,其特征在于每个已接受到第一信号的移动终端都包括一个验证与所述交易相关的所述信息的步骤。 The inspection method of assisting in claim 5, characterized in that each mobile terminal has received the first signal includes a step of information associated with the transaction verification. 其特征还在于所述传送第二信号到至少一个银行机构的步骤是由已验证所述信息的移动终端所实施。 Characterized in that said at least one second signal is transmitted to the banking institution step is a mobile terminal of the information implemented by said verified.
  8. 8.根据权利要求1到4中的任何一项权利要求的协助检查的方法,其特征在于包括一个通过与一个用于所述交易的电子卡相关的的移动终端发送的初步步骤。 8. The method of any of claims inspection assisting in claim 1 to 4, characterized by comprising a preliminary step of sending by the electronic card associated with a mobile terminal for the transaction. 该步骤将至少一个鉴别信息发送到所述的交易设备上,且所述第一信号只传送到所述的移动终端。 The at least one step of sending authentication information to the transaction device, and the signal is transmitted only to the first mobile terminal.
  9. 9.能够执行银行交易的的交易设备,其特征在于其包括将包含与所述交易相关的信号发送到至少一个临近的移动终端的构件。 9. A device capable of performing banking transactions in the transaction, characterized in that it comprises at least one member comprising transmitting to the adjacent mobile terminal associated with said transaction signal.
  10. 10.根据权利要求9的交易设备,其特征在于包括从至少一个临近的移动终端接收至少一个鉴别信息的构件。 10. The transaction device according to claim 9, characterized in that it comprises at least one member receiving identification information from at least one neighboring mobile terminal.
  11. 11.银行服务器,其特征包括:-接收包含至少一个与一个交易相关的信息的信号的构件; -执行该信息的构件-结合所述信息与至少一个与一交易相关的资料的构件,将所诉交易标记为已预先检查的交易的构件。 11. The bank server, characterized by comprising: - receiving a signal comprising at least one member associated with a transaction information; - execution means of the information - the information and data in conjunction with at least one member associated with a transaction, The v transaction marked as pre-checked transactions member. -产生至少一个银行结单的构件,且根据已标记为预先检查的交易或者没有标记的交易而进行不同的程序。 - generating at least one member of the bank statement and according to the different procedures for the pre-marked or unmarked transaction check transactions.
  12. 12.移动终端,其特征包括:-接收至少一个包括与一交易相关的信息且被进行所述交易的交易设备发送的所述信号的构件;-传送包含至少一个所述信息的第二信号到至少一个银行机构的构件;使得可以通过一个控制该交易的银行机构的服务器结合所述的信息和至少一个与所述交易相关的资料,并且将所诉交易标记为一个预先检查的交易。 The mobile terminal, characterized by comprising: - receiving at least one member of the signal comprises information related to a transaction is performed the transaction and transmitting transaction device; - transmitting said information comprising at least one second signal to at least one member of the banking institutions; such that at least one of information and data relating to the said transaction may be joined by a banking institution server of the transaction control, and a pre-transaction by check mark v.
  13. 13.根据权利要求12的移动终端,其特征在于包括将所述信号所携带的与一个交易相关的信息验证的构件,其特征还在于该验证构件的实施优先于发送包含至少一个所述信息的第二信号到至少一个银行机构的构件。 13. The mobile terminal according to claim 12, wherein the authentication information comprises a member associated with said transaction signal carried, characterized in that further embodiments of the verification priority to the transmission member comprises at least one of said information a second signal to at least one member of the banking institution.
  14. 14. 一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在交易设备上执行。 14. A download from the network and from the communication / or saved to a computer-readable and / or processing by a computer program on a structural support software, which comprises means for embodiments according to claims 1 to 8, at least the assistance of a inspection method as claimed in claim program code instructions executed on the transaction device.
  15. 15. 一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在移动终端上执行。 15. A download from the network and from the communication / or saved to a computer-readable and / or processing by a computer program on a structural support software, which comprises means for embodiments according to claims 1 to 8, at least the assistance of a inspection method as claimed in claim program code instructions, which execute on the mobile terminal.
  16. 16. 一种可从从通信网络下载且/或保存到可由计算机读取且/或由处理器质性的支持软件上的计算机程序,其特征在于包括用于实施根据权利要求1到8中至少一个权利要求所述的协助检查方法的程序代码指令,其在银行服务器上执行。 16. A may be downloaded from a communication network and from / or saved to a computer-readable and / or processing by a computer program on a structural support software, which comprises means for embodiments according to claims 1 to 8, at least the assistance of a inspection method as claimed in claim program code instructions, which execute on the bank server.
  17. 17.通过一个银行服务器发送的代表一个说明的信号,其包括至少一个指示器可以将交易标记为已经预检查从而根据权利要求1到8中的协助检查方法将其与没有标记的交易区分。 17. By a signal representative of the bank server sends a description of which includes at least a transaction indicator may be marked as having been pre-examination so assisting inspection method according to claim 1 to 8 with no distinction mark transaction requirements.
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US6226624B1 (en) * 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
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