CN102663584A - Method and system for transferring account and withdrawing deposit through mobile phone roaming - Google Patents
Method and system for transferring account and withdrawing deposit through mobile phone roaming Download PDFInfo
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- CN102663584A CN102663584A CN2012101073049A CN201210107304A CN102663584A CN 102663584 A CN102663584 A CN 102663584A CN 2012101073049 A CN2012101073049 A CN 2012101073049A CN 201210107304 A CN201210107304 A CN 201210107304A CN 102663584 A CN102663584 A CN 102663584A
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Abstract
The invention discloses a method and a system for transferring account and withdrawing deposit through mobile phone roaming. The system comprises a bank business platform, a mobile service support system, a mobile service operation system, one or a plurality of mobile telecom carrier website terminals and a plurality of user terminal devices. According to the method and the system, a point-to-point way is adopted to realize seamless docking between the bank business system and the mobile service system; the payment and settlement function of a bank card is integrated with the wide coverage advantage of a mobile communication system (including 'Every Village Project'); so that a user can realize roaming type account transferring and deposit withdrawing at any mobile telecom carrier website; in the way, a modern village payment system is established, the capability of the bank to serve three rural issues is improved, and problems of insufficient banking outlets and higher service cost in remote regions are overcome; and therefore, the method and the system provide convenience for users in the areas without financial services and improve service capability of the bank in wide markets including rural markets.
Description
Technical field
The present invention relates to the method and system that a kind of mobile phone roaming is transferred accounts and withdrawn the money.
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; The people that live in are here handling the withholding of various expenses, are collecting money, deposit and withdraw 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, also can not guarantee that the user can accomplish business handling, existing technology can only be supported the bank card recharging service; Deposit needs though satisfied the user; But still there is deficiency aspect withdrawing the money transferring accounts, makes bank limited, can't satisfy country to the requirement on rural area client's the financial demand in the service ability of rural market; And deposits funds, the fund of peasant in real life the financial security problem such as draw, and usable range is limited.
Summary of the invention
The object of the invention promptly is to overcome the deficiency of prior art; The method and system that provides a kind of mobile phone roaming to transfer accounts and withdraw the money; Adopt point-to-point mode to realize the slitless connection of banking system and mobile service system, integrate the advantage of payment of bank card settlement function and GSM broad covered area (comprising project of "Communication with Every Village"), the user can realize that roaming type transferred accounts in mobile communication carrier site arbitrarily and withdraw the money; Set up modernized rural area Payment System; Improved bank service agriculture-countryside-farmer's ability, overcome difficult problems such as isolated area bank outlets are not enough, cost of serving is higher, for financial service barren ground user provides convenience; Improved the service ability of bank, and had advantages such as simple to operate, safe, that risk is controlled in the vast market that comprises the rural market.
The object of the invention is realized through following technical scheme: the method that mobile phone roaming is transferred accounts and withdrawn the money; The user all can accomplish to transfer accounts in any site in mobile communication carrier's coverage and withdraw the money; It comprises that the user opens an account, activation of service and three steps of withdrawing the money of transferring accounts; Wherein, described user opens an account and comprises following substep:
S11: the user carries my effective identity certificate and subscriber terminal equipment to the mobile communication carrier business hall; Sign with mobile communication carrier and to open the mobile phone service protocol of withdrawing the money of transferring accounts; And get the additional special SIM card that has mobile phone roaming to transfer accounts to withdraw the money function, and special SIM card is changed on the subscriber terminal equipment;
S12: mobile communication carrier's mobile service support system provides the data message of registered users to mobile communication carrier's mobile service operation system;
S13: the agreement that the user carries my effective identity certificate, signs with mobile communication carrier; And special SIM card is to the bank agency; The banking platform is initiated the subscriber identity information query requests according to the service request that the user submits to the mobile service operation system, and the mobile service operation system is carried out inquiry and returned the relevant identity information of institute's inquiring user;
S14: the data message that the banking platform returns according to the mobile service operation system is verified this user's legitimacy; If it is legal; Then in the banking platform typing with this user's relevant information; User and bank are signatory, and meanwhile, the banking platform returns this user's number of registration information to the mobile service operation system;
Described activation of service comprises following substep:
S21: the user obtain special SIM card and with bank signatory after, send activation of service through the subscriber terminal equipment that special SIM card is installed and instruct the mobile service operation system;
S22: the mobile service operation system receives the request of activation; And the solicited message that receives is examined comparison with the number of registration information that is provided and be kept at the mobile service operation system by the banking platform confirm; If check correct; Then the mobile service operation system issues activation instruction to this user's terminal device, and the mobile phone roaming of excited users SIM is transferred accounts and withdrawn the money and the related service application;
The described step of withdrawing the money of transferring accounts comprises following substep:
S31: the user is through described SIM roaming cell-phone number, registration code, the name of application menu typing mobile communication carrier site and the amount of money of withdrawing the money of transferring accounts of withdrawing the money of transferring accounts;
S32: the user confirms above information, and the SIM roaming Application Hints user input password of transferring accounts of withdrawing the money of transferring accounts is confirmed that back SIM roaming transferring accounts to withdraw the money to use transferring accounts of will the encrypting solicited message of withdrawing the money and be sent to the mobile service operation system;
S33: after the mobile service operation system is received service request, with user's registration code, cell-phone number, the registration code of mobile communication carrier site, name, and the amount information of withdrawing the money of transferring accounts is committed to the banking platform;
S34: after the banking platform is received the request of withdrawing the money of transferring accounts; Whether the relevant information of examining the fund side of producing is legal; If it is legal; The amount of money of transferring accounts that then will ask is transferred accounts or is supplemented with money to the mobile communication carrier site on the specified account that bank offers, and serial number is sent to the mobile service operation system;
S35: the mobile service operation system receives the recharging result information that the banking platform sends; And send the Transaction Information comprise Transaction Success sign, transaction journal number, address name, mobile communication carrier's site name, the amount of money of transferring accounts to the user through short message mode; Meanwhile, the mobile service operation system also sends the Transaction Information that comprises Transaction Success sign, transaction journal number, recharge amount, address name, mobile communication carrier's site name, the amount of money of transferring accounts through short message mode to the mobile communication carrier site;
S36: after mobile communication carrier site and user received the transaction completion information of mobile service operation system transmission, both sides signed the transaction voucher, accomplished the operation of withdrawing the money of transferring accounts.
The method that mobile phone roaming is transferred accounts and withdrawn the money, it comprises that also following mobile communication carrier site opens an account with the bank, supplements with money step:
S41: the mobile communication carrier site obtains mobile communication carrier and authorizes;
S42: mobile communication carrier offers bank account to bank in the site;
S43: supplement with money to the bank account of oneself the mobile communication carrier site.
The method that mobile phone roaming is transferred accounts and withdrawn the money, it also comprises the step of a user balance inquiry; Described subscriber terminal equipment comprise at least in mobile telephone equipment, the landline telephone equipment any one or multiple arbitrarily.
The system that mobile phone roaming is transferred accounts and withdrawn the money, it comprises banking platform, mobile communication carrier's mobile service support system, mobile communication carrier's mobile service operation system, and terminal, one or more mobile communication carriers site;
Described banking platform comprises group of server, fire wall, router, switch; Described group of server comprises Service Process Server, note processing server, service interface server and database server at least; Service interface server is connected with router; Router is connected with the mobile service operation system through fire wall, and group of server is also interconnected through the network equipment;
Described mobile service operation system comprises group of server and fire wall at least; Described group of server comprises short message server, Service Process Server, bank interface server and database server at least; Short message server, Service Process Server, bank interface server and database server are interconnected through the network equipment; Short message server is connected with subscriber terminal equipment with the mobile service support system respectively; The bank interface server is connected with router, and router is connected with the banking platform through fire wall.
Described mobile communication carrier comprises any one or more operators in China Mobile, CHINAUNICOM, China Telecom and the China Netcom.
The invention has the beneficial effects as follows:
(1) the present invention provides the method and system that a kind of mobile phone roaming is transferred accounts and withdrawn the money; Adopt point-to-point mode to realize the slitless connection of banking system and mobile service system; The advantage that integrates payment of bank card settlement function and GSM broad covered area (comprising project of "Communication with Every Village"); The user can transfer accounts at the roaming type of mobile communication carrier site realization arbitrarily and withdraw the money, and has set up modernized rural area Payment System, has improved bank service agriculture-countryside-farmer's ability; Difficult problems such as isolated area bank outlets are not enough, cost of serving is higher have been overcome; For financial service barren ground user provides convenience, improved the service ability of bank, and had advantages such as simple to operate, safe, that risk is controlled in the vast market that comprises the rural market;
(2) the present invention provides the method and system that a kind of mobile phone roaming is transferred accounts and withdrawn the money, and adopts the access via telephone line banking system, guarantees safety of data, avoids the use of traditional internet model, has realized completely cutting off in physical link, has avoided business risk.
Description of drawings
Fig. 1 is a system architecture diagram of the present invention;
Fig. 2 is a banking platform composition frame chart of the present invention;
Fig. 3 is a process flow diagram of the present invention;
Fig. 4 is the user of the present invention process flow diagram of opening an account;
Fig. 5 is the mobile phone roaming formula of the present invention FB(flow block) of withdrawing the money of transferring accounts;
Fig. 6 is the mobile phone roaming formula of the present invention process flow diagram of withdrawing the money of transferring accounts;
Fig. 7 is an activation of service process flow diagram of the present invention;
Fig. 8 gathers process flow diagram for the present invention supplements with money;
Fig. 9 is user balance querying flow figure 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.
Like Fig. 1, shown in Figure 2; Roaming described in the present invention is: the user all can accomplish to transfer accounts in any site in mobile communication carrier's coverage and withdraw the money; The system that mobile phone roaming is transferred accounts and withdrawn the money; It comprises banking platform, mobile communication carrier's mobile service support system, mobile communication carrier's mobile service operation system, and terminal, one or more mobile communication carriers site;
Described banking platform comprises group of server, fire wall, router, switch; Described group of server comprises Service Process Server, note processing server, service interface server and database server at least; Service interface server is connected with router; Router is connected with the mobile service operation system through fire wall, and group of server is also interconnected through the network equipment;
Described mobile service operation system comprises group of server and fire wall at least; Described group of server comprises short message server, Service Process Server, bank interface server and database server at least; Short message server, Service Process Server, bank interface server and database server are interconnected through the network equipment; Short message server is connected with subscriber terminal equipment with the mobile service support system respectively; The bank interface server is connected with router, and router is connected with the banking platform through fire wall.
Described mobile communication carrier comprises any one or more operators in China Mobile, CHINAUNICOM, China Telecom and the China Netcom.
Fig. 2 is a software architecture diagram of the present invention; Adopt point-to-point mode to realize the slitless connection of banking system and mobile service system; The advantage that integrates payment of bank card settlement function and GSM broad covered area (comprising project of "Communication with Every Village"), the user can transfer accounts at the roaming type of mobile communication carrier site realization arbitrarily and withdraw the money.Whole flat comprises " client layer ", " client layer interface layer ", " operation layer ", " data Layer " and " interface layer " subsystem; Unification of the present invention provides and the mobile service interface, can realize with exchanges data such as SMS gateways and docks, and external interface supports such as note are provided; Unified providing and banking interface can be realized the exchanges data with bank's related service; The WEB system adopts three-decker, adopts ripe Application Middleware platform as basic platform, adopts the Enterprise SOA pattern, can flexible configuration and deployment; System adopts driven by engine mechanism, and service-oriented architecture Design is provided; System adopts the pattern that represents adapter to support multiple foreground to represent pattern, the adaptive of various displayings can be provided through the combination of workflow and adapter, and can very easily expand.
Shown in Fig. 3～9, the method that mobile phone roaming is transferred accounts and withdrawn the money, it comprises, and the user opens an account, activation of service and three steps of withdrawing the money of transferring accounts, and wherein as shown in Figure 4, described user opens an account and comprises following substep:
S11: the user carries my effective identity certificate and subscriber terminal equipment to the mobile communication carrier business hall; Sign with mobile communication carrier and to open the mobile phone service protocol of withdrawing the money of transferring accounts; And get the additional special SIM card that has mobile phone roaming to transfer accounts to withdraw the money function, and special SIM card is changed on the subscriber terminal equipment;
S12: mobile communication carrier's mobile service support system provides the data message of registered users to mobile communication carrier's mobile service operation system;
S13: the agreement that the user carries my effective identity certificate, signs with mobile communication carrier; And special SIM card is to the bank agency; The banking platform is initiated the subscriber identity information query requests according to the service request that the user submits to the mobile service operation system, and the mobile service operation system is carried out inquiry and returned the relevant identity information of institute's inquiring user;
S14: the data message that the banking platform returns according to the mobile service operation system is verified this user's legitimacy; If it is legal; Then in the banking platform typing with this user's relevant information; User and bank are signatory, and meanwhile, the banking platform returns this user's number of registration information to the mobile service operation system;
As shown in Figure 7, described activation of service comprises following substep:
S21: the user obtain special SIM card and with bank signatory after, send activation of service through the subscriber terminal equipment that special SIM card is installed and instruct the mobile service operation system;
S22: the mobile service operation system receives the request of activation; And the solicited message that receives is examined comparison with the number of registration information that is provided and be kept at the mobile service operation system by the banking platform confirm; If check correct; Then the mobile service operation system issues activation instruction to this user's terminal device, and the mobile phone roaming of excited users SIM is transferred accounts and withdrawn the money and the related service application;
Like Fig. 5, shown in Figure 6, the described step of withdrawing the money of transferring accounts comprises following substep:
S31: the user is through described SIM roaming cell-phone number, registration code, the name of application menu typing mobile communication carrier site and the amount of money of withdrawing the money of transferring accounts of withdrawing the money of transferring accounts;
S32: the user confirms above information, and the SIM roaming Application Hints user input password of transferring accounts of withdrawing the money of transferring accounts is confirmed that back SIM roaming transferring accounts to withdraw the money to use transferring accounts of will the encrypting solicited message of withdrawing the money and be sent to the mobile service operation system;
S33: after the mobile service operation system is received service request, with user's registration code, cell-phone number, the registration code of mobile communication carrier site, name, and the amount information of withdrawing the money of transferring accounts is committed to the banking platform;
S34: after the banking platform is received the request of withdrawing the money of transferring accounts; Whether the relevant information of examining the fund side of producing is legal; If it is legal; The amount of money of transferring accounts that then will ask is transferred accounts or is supplemented with money to the mobile communication carrier site on the specified account that bank offers, and serial number is sent to the mobile service operation system;
S35: the mobile service operation system receives the recharging result information that the banking platform sends; And send the Transaction Information comprise Transaction Success sign, transaction journal number, address name, mobile communication carrier's site name, the amount of money of transferring accounts to the user through short message mode; Meanwhile, the mobile service operation system also sends the Transaction Information that comprises Transaction Success sign, transaction journal number, recharge amount, address name, mobile communication carrier's site name, the amount of money of transferring accounts through short message mode to the mobile communication carrier site;
S36: after mobile communication carrier site and user received the transaction completion information of mobile service operation system transmission, both sides signed the transaction voucher, accomplished the operation of withdrawing the money of transferring accounts.
The method that mobile phone roaming is transferred accounts and withdrawn the money, it comprises that also following mobile communication carrier site opens an account with the bank, supplements with money step:
S41: the mobile communication carrier site obtains mobile communication carrier and authorizes;
S42: mobile communication carrier offers bank account to bank in the site;
S43: supplement with money to the bank account of oneself the mobile communication carrier site.
Method as shown in Figure 9, that mobile phone roaming is transferred accounts and withdrawn the money, it also comprises the step of a user balance inquiry; Described subscriber terminal equipment comprise at least in mobile telephone equipment, the landline telephone equipment any one or multiple arbitrarily.
Do further description in the face of the present invention down:
One, systemic-function
(1) bank (agricultural bank) (provide related service brand and relevant site to realize disbursement and sattlement, also will examine and authorize simultaneously) to mobile communication carrier's site identity legitimacy, legitimacy that business is carried out and the associative operation in the business:
A, formulation corresponding business management regulation;
The formulation of operation system interface protocol, protocol development are carried out in B, coordination, and cooperate operation system to accomplish debugging;
C, confirm professional pilot districts and cities, pilot time, cooperate service operation side to accomplish professional pilot work;
(2) mobile communication carrier's mobile service operation system is (for the mobile communication carrier site provides professional employed customized SIM; After the registration of mobile service operation system, can open the associated bank transferred account service; Use for the business of convenient all types of retails site, the mobile service operation system realizes that multiple terminal types of service such as PC, mobile phone supply Selection of Net Points):
A, provide to the access via telephone line of bank (agricultural bank) machine room;
B, professional employed note Number for access is provided;
C, the short message channel that provides business to use;
D, corresponding note tariff package is provided;
(3) mobile communication carrier site: as the business operation user, through move, service management department such as bank activates the service, thereby realize the depositor site in rural area.
Two, external system interface
(1) mobile service support system interface: log-on message is synchronous, and mobile communication carrier's mobile service support system provides registration depositor's name, identification card number, cell-phone number to mobile communication carrier's mobile service operation system;
(2) Short Message Service Gateway interface:
A, number of the account activate: during the activating service of site, need to send appointment activation code to mobile service operation system;
B, the request of withdrawing the money of transferring accounts: in the professional use, need realize related services operations such as transferring accounts of this business and inquiry through short message mode;
C, recharging result notice: after Transaction Success, need issue the SMS notification of Transaction Success to site and user through the form of note;
D, information issue: the mobile service operation system sends related service information, service management standard according to the customer service administrative provisions, is issued to site, registered user (depositor) with the form of note;
(3) bank interface: bank initiates the inquiry of registration depositor identity information to the mobile service operation system, and query contents comprises name, identification card number, binds this professional cell-phone number, moving square number of registration;
(4) mobile service operation system interface: the mobile service operation system returns depositor's related registration information according to the query requests that bank side initiated, and comprises name, identification card number, binds this professional cell-phone number;
(5) protocol type
A, mobile service support standard: what adopt with the interface of commmunication company is the standard proprietary protocol that moves;
B, Short Message Service Gateway agreement: what adopt with the Short Message Service Gateway interface of commmunication company is the standard C MPP3.0 agreement that moves;
C, Web Service interface protocol
A, suitable scene: intersystem interface exchanges data amount is less; The Wide Area Network that network environment is difficult to ensure; Program both sides are the application of (or a side is) B/S framework;
B, scheme advantage: the Wide Area Network environment is had adaptability preferably; Can be adapted to application interface between multiple different shapes such as B/S uses, backstage service applications alternately.
Three, business service
(1) complaint handling: the client can dial 24 hours service hotlines 95599 of bank and carry out business consultation and relevant complaint and suggestion; 24 hours technical support hot lines can be dialed using and should business any problem occurring in the site;
(2) reconciliation function: site and operator reconciliation: the mobile service operation system can generate a transaction log according to time, the date and time of each generation transaction after each transaction is accomplished; The site can be landed the record case of inquiry relationship trading voluntarily.
Four, functional description
(1) operation management door
A, organization management
A, district management: promoting service, the districts and cities that carry out are provided with corresponding section manager according to the management actual needs of commmunication company, service operation side in corresponding section;
In system, need carry out unified management to information such as section title, sheet regional address, section higher level tissue, section subordinate organizations.Reflect in concrete way to manage, the form that represents the tree-shaped result of formal employing;
The administration of b, site distributes: according to the mobile phone roaming principle of professional unified management of withdrawing the money of transferring accounts, the site is carried out different way to manage methods according to carrying out unified management by the management mode in province, city, district, county according to different zones;
B, supplement network node administration with money
Open an account in a, site: the mobile phone roaming professional outlet that withdraws the money that transfers accounts is carried out in application, need sign corresponding protocol, sign corresponding protocol with bank with the mobile service operation system.Operation management side need be with being entered in the operation management platform after the related protocol scanning for site information CAMEL-Subscription-Information is carried out electronic management; The scanning document of managing the realization CAMEL-Subscription-Information of opening an account is uploaded;
B, site registration management: the site can be registered (its role class like with the consumer of ordinary electronic business platform) voluntarily, but need activate it.The site registration can be carried out voluntarily with after handling related service SIM that provides and relevant putting on record of carrying out in bank in the site;
Management is activated in c, site: after the site registration is accomplished; Need to activate (to the audit of site identity authenticity) through note; The carrying out of related service such as can not transfer accounts before the site un-activation function has only through mobile phone and activates, accomplishes operations such as just can carrying out transfer of financial resources behind the authenticity verification;
C, supplement management with money
A, supplement management with money: site personnel or operation management personnel can in time understand the funds flow situation of site and the relevant information of site through the management function of transferring accounts.Really improve the service likability of retail family to service platform;
B, supplement inquiry with money: site personnel or operation management personnel can in time understand the flow of fund situation of site through the query function of transferring accounts.Site personnel or operation management personnel can in time inquire the information of transferring accounts in the site such as abnormal conditions through this function.And in time error message is fed back to bank side and unusual order is handled with problem solved;
C, reward settlement queries: the passing through of site user supplemented the clearing service with money, can be from obtaining to serve the reward income accordingly.The site user be can inquire through managing portal and the amount of money of supplementing with money, the reward income of acquisition etc. accomplished;
D, system management
A, rights management: according to unified management mode the restriction of function privilege is carried out in the site, the personnel of different stage have the different operation authority, so that site relevant information and operation are managed;
B, mobile service operation system parameter management: the relevant operational factor to the mobile service operation system is configured management.As: information such as bank interface address, note parameter;
E, customer service: the operation management personnel can inquire about the complaint situation of site through the single query function of the complaint that management platform provides, and urge the site that complaint is handled timely, solved.Assurance provides favorable service for the client, increases site and the client acceptance to the service of mobile service operation system;
(2) mobile phone terminal menu
A, the mobile phone roaming function of withdrawing the money of transferring accounts: when the site is supplemented operation with money; Operate through mobile phone terminal; Input depositor name, depositor's number of the account, recharge amount, depositor's cell-phone number information such as (can import) are confirmed to import the terminal, back and will be pointed out site input " supplementing password with money " to ensure the site fund security;
The terminal will directly be submitted to mobile service operation system rear end with charging request; Supplement operation with money by the rear end completion; And status informations such as the success that will operate or failure send to site and depositor's's (as phone number is not provided, then not sending to the depositor) mobile phone with the text SMS form;
B, inquiry into balance function: the site is selected after the inquiry into balance function through the mobile phone terminal operation, and the mobile service operation system returns the balance amount information of site institute corresponding account according to relevant service request;
Query requests will be submitted to background service system by SIM, and service system will send to the site mobile phone terminal with balance amount information with the note form;
C, supplement aggregate query with money
A, month aggregate query: the site user can through mobile phone terminal the moon aggregate query function to its this month since, by the information such as total value, total stroke count of supplementing with money of supplementing with money till the same day.Make things convenient for the site to the inquiry of the situation of supplementing with money, examine;
B, day aggregate query: the site user can through mobile phone terminal day the aggregate query function should have be day by the information such as total value, total stroke count of supplementing with money of supplementing with money to it from that time on.Make things convenient for the site to the inquiry of the situation of supplementing with money, examine;
Last three of D, the same day supplement inquiry with money: the site is through the mobile phone terminal operation; Selected last three of the same day to supplement with money after the query function; The mobile service operation system is according to relevant service request, and it is nearest three to return this site same day with the text SMS mode: information such as serial number, name, recharge amount, time; Then return 1～2 nearest transaction as being less than three the same day, then point out the user temporary no deal like no deal;
E, the inquiry of single flowing water: the site is selected after the single flowing water function through the mobile phone terminal operation, and the mobile service operation system returns this site and comprises that site information, current dealing money and relevant fund change customer information over to according to relevant service request;
(3) the mobile phone roaming setting of withdrawing the money of transferring accounts
A, modification cryptographic function: the site is selected to revise after the cryptographic function through the mobile phone terminal operation, and the relevant service request of mobile service operation system basis requires the site to input original account number cipher and amended password, and after confirming, accomplishes password and revise;
B, supplement upper limit setting with money: the site user supplements fund security with money for ensureing it, can on the maximum single upper limit basis of business, supplement the upper limit with money at the single that oneself is set.But the single upper maximum that is provided with voluntarily can not surpass the upper maximum of professional regulation;
(4) background service system
A, mobile service support interface service system
A, registration interface: when the site user registers in bank, need fill in corresponding subscriber information message like name, identification card number, cell-phone number, address etc. through the business support system that moves.The relevant information of site will be sent to the interface of business operation system by business support system; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, address;
B, service fulfillment interface: the site user formally carries out business and uses, and by move it is collected the function corresponding expense, settles accounts after, it is open-minded to be regarded as this site customer service.When the site user accomplishes service fulfillment, need give business operation system synchronously with relevant information by business support system; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, open sign;
C, service cancellation interface: the site user log off is professional, and transfers accounts and need in system, carry out professional cancellation through the office manager who moves when withdrawing the money business carrying out mobile phone roaming.Nullify after accomplishing and not collect the function expense of site, also not settle accounts corresponding reward to the site; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, cancellation sign;
D, operator reward clearing interface: the service operation management square tube is crossed the inquiry that this interface can be realized total business volume, and realizes settling accounts with the reward of operator according to total business volume (supplementing total value with money).After business support system receives the query requests of business operation system, the settlement information in the corresponding time period is returned to business operation system;
The business operation system solicited message comprises: start time, concluding time;
The business support system return message comprises: start time, concluding time, supplement total value, reward total value with money;
E, site reward clearing interface: the inquiry of site total business volume can be realized through this interface in the site, and realizes the reward clearing with the site according to total business volume (supplementing total value with money).After business support system receives the query requests of business operation system, the settlement information in the corresponding time period is returned to business operation system;
The business operation system solicited message comprises: site coding, start time, concluding time;
The business support system return message comprises: site coding, start time, concluding time, supplement total value, reward total value with money;
B, short message interface service system
A, note Task Distribution:, each note task is classified according to realizing corresponding note task message formation (or memory table) with service needed;
The classification basis is: " interface message: operator code, access code, association's title, protocol version etc.; ", different internal task message queues (or internal task memory table) is arrived in the note task assignment of different operators, send service by the note of each different operator, detect, scan the internal task formation automatically, and carry out the corresponding service of sending;
B, short message service dynamic load: according to local profile information; As: operator, protocol name, protocol version, operator connect parameter, internal queues title, note flow (bar/second), DLL file path (configuration parameter, form need standardize, and realize dynamic Service).The short message interface service of this operator of dynamic load;
Service loads and can restart short message service and realize that new short message service module loads through behind the free hand modification configuration file.The inside story formation is realized creating, is destroyed and management by the service loader, and short message service module can only read, revises, write;
Service is sent in c, SMS: according to the short message protocol that moves, realize independently SMS transmission service (needing to realize different short message services respectively to the CMPP2, the CMPP3 that move);
The short message service fibrous root is controlled the repeating transmission of note according to the retransmission requesting in the formation, the note task that success is sent, and the log interface that need call loader forms log information, and from the note task queue, deletes;
D, assistant service function: realize assistant system instruments such as log record, testing service, parameter configuration.The concrete function of each aid comprises:
I, log services: log information classified to be presented in the text message frame of interface; File is preserved, and the log information when the interface reaches 20,000, and the service of closing is withdrawed from when using, and log information is preserved hereof; The log information warehouse-in after log information saves as file, imports log information in the log information table, for follow-up log analysis, business statistics provide Back ground Information in batches;
II, testing service: Socket interface service, service request warehouse-in, random code service logic, tax payment information service logic, service request are transmitted the test function of the testing service that provides whole process to pass through, the test of single business service.Supply configuration, setting, commissioning staff's on-the-spot meeting to detect, the test of meeting personnel individual module is used.Need each corresponding independent testing service interface of service logic service;
III, parameter configuration: the parameters to the business interface service is corresponding is carried out visual interface configurations; Configuration information need carry out database storage (database connection string; The local profile configuration; And the database configuration test function is provided) preserve, but guarantee that the configuration information multipath is configured and adjusts;
C, bank interface service system
A, depositor's information transmission interface: the depositor accomplish with move signatory after, the depositor is moving relevant log-on message, will give bank interface with the depositor in the related registration information active push that moves side through this interface by the mobile service operation system.To guarantee the depositor when bank carries out service fulfillment, the business personnel of bank can view the depositor at the signatory situation that moves, log-on message etc.; Depositor (peasant household) information spinner that sends will comprise: name, identification card number, cell-phone number, address etc.;
B, depositor (peasant household) registration interface: depositor (peasant household) registers in bank, registers, contracts, and provides bank card by bank to it.After registration is accomplished in the site, will the relevant information of site be sent to the mobile service operation system by bank, after the mobile service operation system successfully received log-on message, depositor (peasant household) formally accomplished in the registration work of bank; Simultaneously the mobile service operation system will be with the note form, informs that the transfer accounts service fulfillment of withdrawing the money of its mobile phone roaming of depositor user accomplishes; Bank will comprise to depositor's information spinner that the mobile service operation system sends: name, identification card number, cell-phone number, bank's number of registration (bank's card number of non-depositor user);
C, the mobile phone roaming interface of withdrawing the money of transferring accounts: the depositor submits site name, number of registration, cell-phone number, the amount of money of withdrawing the money transferring accounts when withdrawing the money operation to through mobile phone terminal, and mobile phone is submitted to the mobile service operation system with charging information with the note form; Bank interface is submitted in the request of will withdrawing the money of mobile service operation system to.Bank interface need be accomplished corresponding logic determines:
I, the authenticity of site information, depositor's information is judged;
II, the depositor's remaining sum and the amount of money of withdrawing the money are compared;
If logic determines through withdraw the money, if the ineligible operation of will not withdrawing the money and returns to the mobile service operation system with the transaction results status information;
The mobile service operation system is submitted to bank interface information and is comprised: site number of registration, site name, depositor's number of registration, depositor's cell-phone number, the amount of money of withdrawing the money;
The information that bank interface returns to the mobile service operation system comprises: serial number, site number of registration, site name, depositor's number of registration, the amount of money of withdrawing the money, state (success or failure), failure code; Wherein failure code needs between mobile service operation system and bank interface both sides and consults definition;
D, reconciliation interface: the mobile service operation system is set up FTP Server, and under the formulation path, deposits the reconciliation file in.The reconciliation file is deposited with the text form, makes things convenient for bank interface to resolve.Reconciliation is divided into a day reconciliation, all reconciliations, month reconciliation, by business operation system dot generation reconciliation file at a fixed time, and sends reconciliation message to bank interface, is obtained file under the assigned catalogue, is resolved the back and carry out the reconciliation operation by bank interface;
E, note transmission interface: business operation system is realized service announcements for making things convenient for bank to the site user, realizes the note transmission interface.Bank interface can realize the note transmission through the short message interface that calls business operation system.
Claims (6)
1. the mobile phone roaming method of transferring accounts and withdrawing the money; The user all can accomplish to transfer accounts in any site in mobile communication carrier's coverage and withdraw the money; It is characterized in that: it comprises, and the user opens an account, activation of service and three steps of withdrawing the money of transferring accounts, and wherein, described user opens an account and comprises following substep:
S11: the user carries my effective identity certificate and subscriber terminal equipment to the mobile communication carrier business hall, signs with mobile communication carrier and opens the mobile phone service protocol of withdrawing the money of transferring accounts, and get the additional special SIM card that has mobile phone roaming to transfer accounts to withdraw the money function;
S12: mobile communication carrier's mobile service support system provides the data message of registered users to mobile communication carrier's mobile service operation system;
S13: the agreement that the user carries my effective identity certificate, signs with mobile communication carrier; And special SIM card is to the bank agency; The banking platform is initiated the subscriber identity information query requests according to the service request that the user submits to the mobile service operation system, and the mobile service operation system is carried out inquiry and returned the relevant identity information of institute's inquiring user;
S14: the data message that the banking platform returns according to the mobile service operation system is verified this user's legitimacy; If it is legal; Then in the banking platform typing with this user's relevant information; User and bank are signatory, and meanwhile, the banking platform returns this user's number of registration information to the mobile service operation system;
Described activation of service comprises following substep:
S21: the user obtain special SIM card and with bank signatory after, send activation of service through the subscriber terminal equipment that special SIM card is installed and instruct the mobile service operation system;
S22: the mobile service operation system receives the request of activation; And the solicited message that receives is examined comparison with the number of registration information that is provided and be kept at the mobile service operation system by the banking platform confirm; If check correct; Then the mobile service operation system issues activation instruction to this user's terminal device, and the mobile phone roaming of excited users SIM is transferred accounts and withdrawn the money and the related service application;
The described step of withdrawing the money of transferring accounts comprises following substep:
S31: the user is through described SIM roaming cell-phone number, registration code, the name of application menu typing mobile communication carrier site and the amount of money of withdrawing the money of transferring accounts of withdrawing the money of transferring accounts;
S32: the user confirms above information, and the SIM roaming Application Hints input password of transferring accounts of withdrawing the money of transferring accounts is confirmed that back SIM roaming transferring accounts to withdraw the money to use transferring accounts of will the encrypting solicited message of withdrawing the money and be sent to the mobile service operation system;
S33: after the mobile service operation system is received service request, with user's registration code, cell-phone number, the registration code of mobile communication carrier site, name, and the amount information of withdrawing the money of transferring accounts is committed to the banking platform;
S34: after the banking platform is received the request of withdrawing the money of transferring accounts; Whether the relevant information of examining the fund side of producing is legal; If it is legal; The amount of money of transferring accounts that then will ask is transferred accounts or is supplemented with money to the mobile communication carrier site on the specified account that bank offers, and serial number is sent to the mobile service operation system;
S35: the mobile service operation system receives the recharging result information that the banking platform sends; And send the Transaction Information comprise Transaction Success sign, transaction journal number, address name, mobile communication carrier's site name, the amount of money of transferring accounts to the user through short message mode; Meanwhile, the mobile service operation system also sends the Transaction Information that comprises Transaction Success sign, transaction journal number, recharge amount, address name, mobile communication carrier's site name, the amount of money of transferring accounts through short message mode to the mobile communication carrier site;
S36: after mobile communication carrier site and user received the transaction completion information of mobile service operation system transmission, both sides signed the transaction voucher, accomplished the operation of withdrawing the money of transferring accounts.
2. the method that mobile phone roaming according to claim 1 is transferred accounts and withdrawn the money is characterized in that: it comprises that also following mobile communication carrier site opens an account with the bank, supplements with money step:
S41: the mobile communication carrier site obtains mobile communication carrier and authorizes;
S42: mobile communication carrier offers bank account to bank in the site;
S43: supplement with money to the bank account of oneself the mobile communication carrier site.
3. the method that mobile phone roaming according to claim 1 is transferred accounts and withdrawn the money is characterized in that: it also comprises the step of a user balance inquiry.
4. the method that mobile phone roaming according to claim 1 is transferred accounts and withdrawn the money is characterized in that: described subscriber terminal equipment comprise at least in mobile telephone equipment, the landline telephone equipment any one or multiple arbitrarily.
5. the mobile phone roaming system that transfers accounts and withdraw the money, it is characterized in that: it comprises banking platform, mobile communication carrier's mobile service support system, mobile communication carrier's mobile service operation system, and terminal, one or more mobile communication carriers site;
Described banking platform comprises group of server, fire wall, router, switch; Described group of server comprises Service Process Server, note processing server, service interface server and database server at least; Service interface server is connected with router; Router is connected with the mobile service operation system through fire wall, and group of server is also interconnected through the network equipment;
Described mobile service operation system comprises group of server and fire wall at least; Described group of server comprises short message server, Service Process Server, bank interface server and database server at least; Short message server, Service Process Server, bank interface server and database server are interconnected through the network equipment; Short message server is connected with subscriber terminal equipment with the mobile service support system respectively; The bank interface server is connected with router, and router is connected with the banking platform through fire wall.
6. the method or the system that transfer accounts and withdraw the money according to claim 1 or 2 or 5 described mobile phone roamings, it is characterized in that: described mobile communication carrier comprises any one or more operators in China Mobile, CHINAUNICOM, China Telecom and the China Netcom.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2012101073049A CN102663584A (en) | 2012-04-13 | 2012-04-13 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012101073049A CN102663584A (en) | 2012-04-13 | 2012-04-13 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
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| CN102663584A true CN102663584A (en) | 2012-09-12 |
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| CN2012101073049A Pending CN102663584A (en) | 2012-04-13 | 2012-04-13 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
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| CN104867050A (en) * | 2014-12-08 | 2015-08-26 | 湖北供销裕农电子商务股份有限公司 | Wireless network-based rural cooperative finance service system |
| US10064044B2 (en) | 2014-09-18 | 2018-08-28 | Huawei Technologies Co., Ltd. | Method and apparatus for determining roaming status of terminal, terminal, and server |
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Application publication date: 20120912 |