CN102411760A - Method and system of bank card rechargeable payment over air based on third-party information platform - Google Patents
Method and system of bank card rechargeable payment over air based on third-party information platform Download PDFInfo
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- CN102411760A CN102411760A CN2011104035222A CN201110403522A CN102411760A CN 102411760 A CN102411760 A CN 102411760A CN 2011104035222 A CN2011104035222 A CN 2011104035222A CN 201110403522 A CN201110403522 A CN 201110403522A CN 102411760 A CN102411760 A CN 102411760A
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Abstract
The invention discloses a method and system of bank card rechargeable payment over air based on a third-party information platform. The system comprises a mobile telecom carrier information platform, a bank card rechargeable payment service platform and one or more mobile telecom carrier outlet terminal, wherein the bank card chargeable payment service platform comprises at least one service server, at least one front-end processor and at least one fire wall, the mobile telecom carrier information platform is connected with the front-end processor through the fire wall, the front-end processor is connected with the service server, and the mobile telecom carrier outlet terminal (s) is/are respectively connected with the mobile telecom carrier information platform and the bank card rechargeable payment service platform through a communication system. Based on the network advantage and outlet advantage of the mobile telecom carrier information platform, Huinong cards and common bank cards are issued for users, thereby widening the application range, and overcoming the difficulties that in secluded areas, the communication network is impeded, the banking outlets are insufficient, business is difficult to develop and the service cost is relatively high.
Description
Technical field
The present invention relates to a kind of method and system of supplementing with money in the air based on third party's information platform realization bank card.
Background technology
Along with science and technology development, people's living standard improves gradually, towards information-based and the fast development of facilitation direction; But still have some areas influenced by traffic, geographic position, agricultural, water and soil resources, labor quality etc., and the level of economic development is lower, and these areas are the financial service barren ground mostly; It is not smooth to have communication network, and bank outlets are not enough, the business development difficulty; The higher difficulty that waits of cost of serving; Living in these regional people is handling the withholding of various expenses, is collecting money, deposits and withdraws etc. when professional, the road that need walk a long way, the time of labor; If when running into situation such as the structural establishment that can handle above-mentioned business is undesired, can't guarantee that the user can accomplish business handling.
Summary of the invention
The object of the invention promptly is to overcome the deficiency of prior art, provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform, utilizes the network advantage and the site advantage of mobile communication carrier's information platform; Improve the level and the ability of bank service; Guarantee that the real of Huinong's policy implement, have that usable range is wide, the safety coefficient advantages of higher, even also can use at the financial service barren ground; It is not smooth to overcome isolated area's communication network; Bank outlets are not enough, business development difficulty, the higher difficulty that waits of cost of serving.
The object of the invention is realized through following technical scheme: realize the method that bank card is supplemented with money in the air based on third party's information platform, it may further comprise the steps:
(1) open an account: the debit card account is offered to bank in the mobile communication carrier site, and one-to-many or multi-to-multi binding are carried out in the terminal, site and the account;
(2) deposit: the debit card account is deposited through modes such as sales counter, Web bank, SMSs in the mobile communication carrier site, the advanced payment of be used for that new farming is closed, Xin Nongbao Huinong's card, bank card being supplemented with money;
(3) service handling: the user submits the application of bank card recharging service to the mobile communication carrier site; The site business personnel of mobile communication carrier is according to the information of user's submission and the cash number of being taken in; Initiate the bank card charging request through communication system to bank card recharging service platform, whether bank card recharging service platform veritification mobile communication carrier's site debit card accounts information and user profile is correct, if incorrect; Then return error message; Please terminal, mobile communication carrier site or the user resubmit information, if correct, then changed for (4) step over to supplement judgement with money;
(4) supplement judgement with money: bank card recharging service platform is inquired about mobile communication carrier's site debit card account balance automatically; Judge whether its remaining sum can accomplish the bank card recharging service that the user submits to; If can accomplish, then change (5) over to and go on foot user's bank card is supplemented with money, as if not accomplishing; Then return error message, prompting mobile communication carrier site is to the debit card account charging;
(5) supplement with money to bank card: the recharge amount unloading that bank card recharging service platform is submitted the advance deposit on mobile communication carrier's site debit card account by the terminal, site to is to user's bank card, and recharging result is back to terminal, site or user.
Realize the method that bank card is supplemented with money in the air based on third party's information platform; It also comprises transaction reconciliation step, service inquiry step, business statistics step, report generation step and risk control step; Every day gathers Huinong's card automatically by mobile communication carrier's information platform or bank card is supplemented amount and transaction stroke count with money; And with the automatic reconciliation of bank card recharging service platform, transaction details was checked between the terminal in mobile communication carrier's information platform, bank card recharging service platform, mobile communication carrier site in every month.
Realize the system that bank card is supplemented with money in the air based on third party's information platform; It comprises mobile communication carrier's information platform, bank card recharging service platform, terminal, one or more mobile communication carriers site; Described bank card recharging service platform comprises at least one service server, at least one front end processor and at least one fire wall; Mobile communication carrier's information platform is connected with front end processor through fire wall; Front end processor is connected with service server; Terminal, mobile communication carrier site is connected with mobile communication carrier information platform, bank card recharging service platform respectively through communication system, and described mobile communication carrier information platform links to each other through the DDN special line with bank card recharging service platform, carries out real time data and docks.
Terminal, described mobile communication carrier site comprises that in computer, the mobile phone etc. one or more combine; Described mobile communication carrier information platform comprises that in China Mobile's local information platform, CHINAUNICOM's local information platform, China Telecom's local information platform, the China Netcom's local information platform etc. one or more combine; Described communication system comprises that in China Mobile's local communication system, CHINAUNICOM's local communication system, China Telecom's local communication system, the China Netcom's local communication system etc. one or more combine; Described bank card comprises Huinong's card, debit card, individual current account.
The invention has the beneficial effects as follows:
(1) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform; From the policy guidance of government to the agriculture, rural areas and farmers problem; Universal bank's card " Huinong's card " (full name " golden fringe Huinong card ") based on the user oriented distribution; This bank card has the rural area petty load and provides carrier, the direct dialing passage of government's rural area subsidy, the insured voucher of social insurance, the functions such as path of fund exchange, also can adopt ordinary bank's card, and is applied widely;
(2) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform, and modes such as sales counter, Web bank, SMS can be passed through to the debit card account charging at any time in the mobile communication carrier site, supplements with money conveniently;
(3) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform; The user can pass through the historical transaction record that telephone bank, site, self-aided terminal etc. are inquired about Huinong's card or bank card in real time; Can accomplish that telephone expenses paid through terminal, mobile communication carrier site, Xin Nongbao or new farming close long-range consumption and payments such as premium is paid, credit card refund, water power combustion gas bill payment; Easy to operate, safety coefficient is high;
(4) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform, utilizes the network advantage and the site advantage of mobile communication carrier's information platform, improves the level and the ability of bank service; Guarantee the real practicable of Huinong's policy, it is wide to have usable range, still can use in the blank place of financial service; It is not smooth to overcome isolated area's communication network, and bank outlets are not enough, the business development difficulty; Difficult problems such as cost of serving is higher; Mobile phone card number, the bank account binding pattern of terminal, site " one-to-many " or " multi-to-multi " are provided, in binding and payment process, need input validation information, payment cipher etc.; The dispute that causes because of situation such as mobile phone are lost, other people operate can be effectively taken precautions against, the binding data can be revised at any time;
(5) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform, adopts private line access, has avoided using traditional internet model, has realized completely cutting off in physical link, has avoided business risk;
(6) the present invention provides a kind of and realizes the method and system that bank card is supplemented with money in the air based on third party's information platform; Adopt real time data to dock between bank and the mobile communication carrier information platform; Reduce error rate, gather Huinong's card automatically by mobile communication carrier's information platform every day and supplement amount and transaction stroke count with money, and with the automatic reconciliation of bank; Transaction details was checked between the site by mobile communication carrier's information platform, bank, mobile communication carrier in every month, guaranteed user transaction process safety.
Description of drawings
Fig. 1 is a structured flowchart of the present invention;
Fig. 2 is a process flow diagram of the present invention.
Embodiment
Below in conjunction with accompanying drawing the present invention is done further description, but protection scope of the present invention is not limited to the following stated.
As shown in Figure 1; Realize the system that bank card is supplemented with money in the air based on third party's information platform; It comprises mobile communication carrier's information platform, bank card recharging service platform, terminal, one or more mobile communication carriers site; Described bank card recharging service platform comprises at least one service server, at least one front end processor and at least one fire wall; Mobile communication carrier's information platform is connected with front end processor through fire wall, and front end processor is connected with service server, and terminal, mobile communication carrier site is passed through communication system and is connected with mobile communication carrier information platform, bank card recharging service platform respectively; Described mobile communication carrier information platform links to each other through the DDN special line with bank card recharging service platform, carries out the real time data butt joint.
Terminal, described mobile communication carrier site comprises that in computer, the mobile phone etc. one or more combine; Described mobile communication carrier information platform comprises that in China Mobile's local information platform, CHINAUNICOM's local information platform, China Telecom's local information platform, the China Netcom's local information platform etc. one or more combine; Described communication system comprises that in China Mobile's local communication system, CHINAUNICOM's local communication system, China Telecom's local communication system, the China Netcom's local communication system etc. one or more combine; Described bank card comprises Huinong's card, debit card, individual current account.
As shown in Figure 2, realize the method that bank card is supplemented with money in the air based on third party's information platform, it may further comprise the steps:
(1) open an account: debit card account (containing Huinong's card or common debit card) is offered to bank in the mobile communication carrier site, and will be used for terminal, site such as mobile phone that bank card supplements with money or computer and this debit card account is carried out one-to-many or multi-to-multi is bound;
(2) deposit: the debit card account is deposited through modes such as sales counter, Web bank, SMSs in the mobile communication carrier site, the advanced payment of be used for that new farming is closed, Xin Nongbao Huinong's card, bank card being supplemented with money;
(3) service handling: the user submits the application of bank card recharging service to the mobile communication carrier site; Fill in the professional letter of confirmation of bill payment that comprises bank card number, name in an account book, treats information such as recharge amount; Information such as the bank card number that the site business personnel of mobile communication carrier submits to according to the user, address name and the cash number of being taken in; Mode through communication systems such as note provide is initiated the bank card charging request to bank card recharging service platform, and whether bank card recharging service platform veritification mobile communication carrier's site debit card accounts information and user profile is correct, if incorrect; Then return error message; Please the user or the mobile communication carrier site resubmit information, if correct, then changed for (4) step over to supplement judgement with money;
(4) supplement judgement with money: bank card recharging service platform is inquired about mobile communication carrier's site debit card account balance automatically; Judge whether its remaining sum can accomplish the bank card recharging service that the user submits to; If can accomplish, then change (5) over to and go on foot user's bank card is supplemented with money, as if not accomplishing; Then return error message, prompting mobile communication carrier site is to the debit card account charging;
(5) supplement with money to bank card: the mode unloading that the recharge amount that bank card recharging service platform is submitted the advance deposit on mobile communication carrier's site debit card account by the terminal, site to is transferred accounts through the card card is to user's bank card, and recharging result is back to terminal, site or user.
Realize the method that bank card is supplemented with money in the air based on third party's information platform; It also comprises transaction reconciliation step, service inquiry step, business statistics step, report generation step and risk control step; Every day gathers Huinong's card automatically by mobile communication carrier's information platform or bank card is supplemented amount and transaction stroke count with money; And with the automatic reconciliation of bank card recharging service platform, transaction details was checked between the terminal in mobile communication carrier's information platform, bank card recharging service platform, mobile communication carrier site in every month.
Claims (9)
1. realize the method that bank card is supplemented with money in the air based on third party's information platform, it is characterized in that: it may further comprise the steps:
(1) open an account: the debit card account is offered to bank in the mobile communication carrier site, and one-to-many or multi-to-multi binding are carried out in the terminal, site and the account;
(2) deposit: the debit card account is deposited through sales counter, Web bank, mobile phone short messages in the mobile communication carrier site;
(3) service handling: the user submits the application of bank card recharging service to the mobile communication carrier site; The site business personnel of mobile communication carrier is according to the information of user's submission and the cash number of being taken in; Initiate the bank card charging request through communication system to bank card recharging service platform, whether bank card recharging service platform veritification mobile communication carrier's site debit card accounts information and user profile is correct, if incorrect; Then return error message; Please the mobile communication carrier site or the user resubmit information, if correct, then changed for (4) step over to supplement judgement with money;
(4) supplement judgement with money: bank card recharging service platform is inquired about mobile communication carrier's site debit card account balance automatically; Judge whether its remaining sum can accomplish the bank card recharging service that the user submits to; If can accomplish, then change (5) over to and go on foot user's bank card is supplemented with money, as if not accomplishing; Then return error message, prompting mobile communication carrier site is to the debit card account charging;
(5) supplement with money to bank card: the recharge amount unloading that bank card recharging service platform is submitted the advance deposit on mobile communication carrier's site debit card account by the terminal, site to is to user's bank card, and recharging result is back to terminal, site or user.
2. method of supplementing with money in the air based on third party's information platform realization bank card according to claim 1 is characterized in that: it also comprises transaction reconciliation step.
3. method of supplementing with money in the air based on third party's information platform realization bank card according to claim 1, it is characterized in that: it also comprises service inquiry, business statistics and report generation step.
4. method of supplementing with money in the air based on third party's information platform realization bank card according to claim 1, it is characterized in that: it also comprises the risk control step.
5. realize the system that bank card is supplemented with money in the air based on third party's information platform; It is characterized in that: it comprises mobile communication carrier's information platform, bank card recharging service platform, terminal, one or more mobile communication carriers site; Described bank card recharging service platform comprises at least one service server, at least one front end processor and at least one fire wall; Mobile communication carrier's information platform is connected with front end processor through fire wall; Front end processor is connected with service server, and terminal, mobile communication carrier site is connected with mobile communication carrier information platform, bank card recharging service platform respectively through communication system.
6. according to claim 5ly realize the system that bank card is supplemented with money in the air based on third party's information platform, it is characterized in that: terminal, described mobile communication carrier site comprises that in computer, the mobile phone one or more combine.
7. according to claim 5ly realize the system that bank card is supplemented with money in the air based on third party's information platform, it is characterized in that: described mobile communication carrier information platform comprises that in China Mobile's local information platform, CHINAUNICOM's local information platform, China Telecom's local information platform, the China Netcom's local information platform one or more combine.
8. according to claim 5ly realize the system that bank card is supplemented with money in the air based on third party's information platform, it is characterized in that: described communication system comprises that in China Mobile's local communication system, CHINAUNICOM's local communication system, China Telecom's local communication system, the China Netcom's local communication system one or more combine.
9. the system that supplements with money in the air based on third party's information platform realization bank card according to claim 5, it is characterized in that: described bank card comprises Huinong's card, debit card, individual current account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104035222A CN102411760A (en) | 2011-12-07 | 2011-12-07 | Method and system of bank card rechargeable payment over air based on third-party information platform |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011104035222A CN102411760A (en) | 2011-12-07 | 2011-12-07 | Method and system of bank card rechargeable payment over air based on third-party information platform |
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| CN102411760A true CN102411760A (en) | 2012-04-11 |
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| CN2011104035222A Pending CN102411760A (en) | 2011-12-07 | 2011-12-07 | Method and system of bank card rechargeable payment over air based on third-party information platform |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106651565A (en) * | 2016-12-06 | 2017-05-10 | 中国银联股份有限公司 | Recharge transferring method, processing method and recharge transferring platform |
| CN108053202A (en) * | 2018-01-05 | 2018-05-18 | 武汉斗鱼网络科技有限公司 | It supplements with money and provides virtual method, storage medium, electronic equipment and system automatically afterwards |
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| US20010001321A1 (en) * | 1998-11-17 | 2001-05-17 | David Resnick | Electronic payment system utilizing intermediary account |
| CN1585446A (en) * | 2003-08-19 | 2005-02-23 | 华为技术有限公司 | Method for transferring from accounts in mobile cards to accounts in banks |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106651565A (en) * | 2016-12-06 | 2017-05-10 | 中国银联股份有限公司 | Recharge transferring method, processing method and recharge transferring platform |
| CN108053202A (en) * | 2018-01-05 | 2018-05-18 | 武汉斗鱼网络科技有限公司 | It supplements with money and provides virtual method, storage medium, electronic equipment and system automatically afterwards |
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Application publication date: 20120411 |