CN103021097A

CN103021097A - Data sending method, data receiving method, device and system

Info

Publication number: CN103021097A
Application number: CN2012104567638A
Authority: CN
Inventors: 戚爱华
Original assignee: Huawei Technologies Co Ltd
Current assignee: Huawei Technologies Co Ltd; Huawei Software Technologies Co Ltd
Priority date: 2012-11-14
Filing date: 2012-11-14
Publication date: 2013-04-03

Abstract

The invention provides a data sending method, a data receiving method, device and system. The data sending method comprises the following steps of: obtaining the name information of a consumption item; writing the name information into the consumption message of the consumption item, wherein the consumption message further comprises the financial transaction information of the consumption item in the account; and sending the consumption message to a bank server so that the bank server sends the financial transaction information in the consumption message and the name information to a mobile telephone number corresponding to the account. Therefore, the transaction information received by the user through the user terminal corresponding to the mobile telephone number comprises transaction time and transaction amount, as well as the name of the consumption item, so that the content of the transaction information received by the user is more detailed; as a result, the user can obtain detailed historical transaction information in future conveniently and the user experience is effectively enhanced.

Description

Data transmission method for uplink, data receive method, Apparatus and system

Technical field

The present invention relates to internet and the communication technology, relate in particular to a kind of data transmission method for uplink, data receive method, Apparatus and system.

Background technology

At present, the brush bank card is consumed and is become the higher consumption pattern of a kind of popularization degree, and As time goes on, the electronic payment that realizes will replace money transaction more by swiping the card.The point-of-sale terminal (Point of Safe, POS) that uses when paying of swiping the card is a kind of multi-functional terminal end, and the POS terminal can receive magnetic stripe card information, has communication function, and can receive teller's instruction and finish financial transaction and the function of exchange for information about.The POS terminal is installed in the franchised business of credit card or accepts in the site, itself and computing machine are unified into network, namely can be used for realizing the automatic account transfer of electronic funds, and have the functions such as the consumption of support, pre-authorization, inquiry into balance and account transfer, have the advantages such as safe, quick and reliable.

Most of banks all provide SMS notification function after the consumption, and bank card account is after being carried out account transfer operation, and the SMS transmission module of banking system will SMS notification and the mobile phone of bank card binding.In notifying messages, banking system can be informed the amount information that this bank account of user is consumed.

But the item of information that comprises in the notifying messages that the user receives after using bank card consumption is too single, lacks the method for more detailed inquiry bank card historical trading content in the prior art.

Summary of the invention

The invention provides a kind of data transmission method for uplink, data receive method, Apparatus and system, be used for solving the detailed not problem of bank card historical trading content.

First aspect the invention provides a kind of data transmission method for uplink, comprising:

Obtain the name information of article of consumption;

Described name information is write the consumption message of described article of consumption, also comprise the financial transaction information of described article of consumption in account in the described consumption message;

Described consumption message is sent to bank server, for described bank server the financial transaction information in the described consumption message and described name information are sent to Mobile Directory Number corresponding to described account.

In the possible implementation of the first of first aspect, before the described name information of obtaining article of consumption, described method also comprises:

Scan the identification code of described article of consumption;

Correspondingly, the described name information of obtaining article of consumption is specially:

According to described identification code, obtain name information corresponding to described identification code.

In conjunction with in first aspect first embodiment the possible implementation of the second in, the described consumption message that described name information is write described article of consumption is specially:

With described name information and described identification code, write in the consumption message of described article of consumption, for after described consumption message is sent to described bank server, described bank server sends to Mobile Directory Number corresponding to described account with the financial transaction information in the described consumption message, described name information and described identification code, user terminal corresponding to described Mobile Directory Number obtains data message corresponding to described identification code according to described identification code from data server.

In the third possible implementation in conjunction with first aspect first embodiment or the second embodiment, described identification code is bar code.

Second aspect the invention provides a kind of data transmission method for uplink, comprising:

The consumption message that receiving terminal apparatus sends carries the financial transaction information of article of consumption in account and the name information of described article of consumption in the described consumption message;

Described financial transaction information and described name information are sent to Mobile Directory Number corresponding to described account, know described financial transaction information and the described name information of described article of consumption for the user of user terminal corresponding to described Mobile Directory Number.

In the possible implementation of the first of second aspect, also carry identification code in the described consumption message;

Correspondingly, describedly described financial transaction information and described name information sent to Mobile Directory Number corresponding to described account be specially:

Described financial transaction information, described name information and described identification code are sent to Mobile Directory Number corresponding to described account, according to described identification code, obtain data message corresponding to described identification code from data server for user terminal corresponding to described Mobile Directory Number.

In conjunction with second aspect the first embodiment the possible implementation of the second in, after the consumption message that described receiving terminal apparatus sends, described method also comprises:

Receive the Transaction Inquiries request that described user terminal sends, described Transaction Inquiries request is used for inquiring about the Transaction Information of described account;

According to described Transaction Inquiries request, financial transaction information, name information and the identification code of one or more articles of consumption of described account sent to described user terminal.

In the third possible implementation in conjunction with second aspect the second embodiment, described identification code is bar code.

The 3rd aspect the invention provides a kind of data receive method, comprising:

Financial transaction information, name information and the identification code of the article of consumption in the account that the reception bank server sends, described name information and described identification code are that described bank server gets access to from the consumption message that terminal device sends;

Financial transaction information, name information and identification code to described article of consumption show.

In the possible implementation of the first of the 3rd aspect, after described financial transaction information to described article of consumption, name information and identification code showed, described method also comprised:

According to described identification code, obtain data message corresponding to described identification code from data server.

In the possible implementation of the second of the 3rd aspect the first embodiment, described identification code is bar code.

The 4th aspect the invention provides a kind of terminal device, comprising:

Acquiring unit is for the name information of obtaining article of consumption;

Processing unit is used for the described name information that described acquiring unit obtains is write the consumption message of described article of consumption, also comprises the financial transaction information of described article of consumption in account in the described consumption message;

Transmitting element, be used for the described consumption message after the described processing unit processes is sent to bank server, for described bank server the financial transaction information in the described consumption message and described name information sent to Mobile Directory Number corresponding to described account.

In the possible implementation of the first of the 4th aspect, described terminal device also comprises:

Scanning element is used for scanning the identification code of described article of consumption before described acquiring unit obtains the name information of described article of consumption;

Correspondingly, described acquiring unit also is used for:

In the possible implementation of the second of the 4th aspect the first embodiment, described processing unit also is used for:

In the third possible implementation in conjunction with the 4th aspect first or the second embodiment, described identification code is bar code.

The 5th aspect the invention provides a kind of bank server, comprising:

Receiving element is used for the consumption message that receiving terminal apparatus sends, and carries the financial transaction information of article of consumption in account and the name information of described article of consumption in the described consumption message;

Transmitting element, be used for described financial transaction information and described name information that described receiving element receives are sent to Mobile Directory Number corresponding to described account, know described financial transaction information and the described name information of described article of consumption for the user of user terminal corresponding to described Mobile Directory Number.

In the possible implementation of the first of the 5th aspect, also carry identification code in the described consumption message;

Correspondingly, described transmitting element also is used for:

In the possible implementation of the second of the 5th aspect the first embodiment, described bank server also comprises:

Processing unit is used for receiving the Transaction Inquiries request that described user terminal sends after described receiving element receives the consumption message of described terminal device transmission, and described Transaction Inquiries request is used for inquiring about the Transaction Information of described account; According to described Transaction Inquiries request, financial transaction information, name information and the identification code of one or more articles of consumption of described account sent to described user terminal.

In the third possible implementation in conjunction with the 5th aspect first or the second embodiment, described identification code is bar code.

The 6th aspect the invention provides a kind of user terminal, comprising:

Receiving element be used for to receive financial transaction information, name information and the identification code of the article of consumption of the account that bank server sends, and described name information and described identification code are that described bank server gets access to from the consumption message that terminal device sends;

Display unit is used for financial transaction information, name information and the identification code of described article of consumption are shown.

In the possible implementation of the first of the 6th aspect, described user terminal also comprises:

Acquiring unit is used for according to described identification code, obtaining data message corresponding to described identification code from data server after described display unit shows financial transaction information, name information and the identification code of described article of consumption.

In the possible implementation of the second of the 6th aspect the first embodiment, described identification code is bar code.

The 7th aspect, the invention provides a kind of communication system, comprise above-mentioned terminal device, bank server, user terminal and data server, described data server is used for the storage data message corresponding with identification code, communicates to connect between described terminal device, described bank server, described user terminal and the described data server.

On the one hand, the data transmission method for uplink that the embodiment of the invention provides, Apparatus and system, obtain the name information of article of consumption, name information is write the consumption message of article of consumption, and will consume message and send to bank server, financial transaction information and the name information that to consume in the message for bank server send to Mobile Directory Number corresponding to account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal corresponding to this Mobile Directory Number receives, the title that also comprises article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

On the other hand, the data transmission method for uplink that the embodiment of the invention provides, Apparatus and system, the consumption message that receiving terminal apparatus sends, financial transaction information and name information in the consumption message are sent to Mobile Directory Number corresponding to account, so that the user of user terminal corresponding to Mobile Directory Number know article of consumption melt Transaction Information and described name information, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

Again on the one hand, the data receive method that the embodiment of the invention provides, Apparatus and system, financial transaction information by the article of consumption the account that receives from bank server, name information and identification code, and be presented on the display screen for the user and know Transaction Information in the account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal receives, the title and the bar code that also comprise article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

Description of drawings

The process flow diagram of the data transmission method for uplink that Fig. 1 provides for the embodiment of the invention;

The process flow diagram of another data transmission method for uplink that Fig. 2 provides for the embodiment of the invention;

The process flow diagram of the another data transmission method for uplink that Fig. 3 provides for the embodiment of the invention;

The process flow diagram of the another data transmission method for uplink that Fig. 4 provides for the embodiment of the invention;

The process flow diagram of the another data receive method that Fig. 5 provides for the embodiment of the invention;

The process flow diagram of the another data receive method that Fig. 6 provides for the embodiment of the invention;

The structural representation of the terminal device that Fig. 7 a provides for the embodiment of the invention;

The structural representation of another terminal device that Fig. 7 b provides for the embodiment of the invention;

The structural representation of the another terminal device that Fig. 7 c provides for the embodiment of the invention;

The structural representation of the bank server that Fig. 8 a provides for the embodiment of the invention;

The structural representation of another bank server that Fig. 8 b provides for the embodiment of the invention;

The structural representation of the another bank server that Fig. 8 c provides for the embodiment of the invention;

The structural representation of the user terminal that Fig. 9 a provides for the embodiment of the invention;

The structural representation of another user terminal that Fig. 9 b provides for the embodiment of the invention;

The structural representation of the another user terminal that Fig. 9 c provides for the embodiment of the invention;

The configuration diagram of the communication system that Figure 10 provides for the embodiment of the invention;

The configuration diagram of another communication system that Figure 11 a provides for the embodiment of the invention;

The signaling process figure of the communication system that Figure 11 b provides for the embodiment of the invention;

A kind of display interface of user terminal in the communication system that Figure 12 a provides for the embodiment of the invention;

The another kind of display interface of user terminal in the communication system that Figure 12 b provides for the embodiment of the invention;

A kind of display interface of banking system in the communication system that Figure 12 c provides for the embodiment of the invention.

Embodiment

Franchised business or accept POS terminal in the site generic operation of can paying and conclude the business.The POS terminal sends to the POS center with the Transaction Information that receives by wired or wireless mode when carrying out this generic operation, Transaction Information is transmitted to the server of banking system by the POS center.For having applied for that note prompting etc. reminds the account of class business, in banking system, store the Mobile Directory Number that the account binds.When having transaction to occur in the account, banking system will send SMS Tip to the Mobile Directory Number of binding, with the information notification such as exchange hour and the dealing money owner of the account.

Be different from implementation of the prior art, banking system in the various embodiments of the present invention is in the SMS Tip of owner's transmission of account, not only comprise the information such as exchange hour and dealing money, also comprise the content of transaction, such as the information of the commodity of paying or the project of paying etc.Do not carry out if account consumption is not the user of the Mobile Directory Number bound, adopt method in the various embodiments of the present invention can be convenient to this user and understand transaction content in its account; If being the user of the Mobile Directory Number bound, account consumption carries out, can also be convenient to this user when inquiring about the Transaction Information of its account in the future, content to historical consume is very clear, and avoids the puzzlement that occurs owing to the particular content of forgeing historical consume.

Below terminal device among each embodiment can be above-mentioned POS terminal or the similar equipment of paying generic operation, bank server can be the server of bank inside, and user terminal can receive for mobile phone etc. the subscriber equipment of the much information forms such as short message.

The executive agent of embodiment illustrated in figures 1 and 2 is terminal device.

The process flow diagram of the data transmission method for uplink that Fig. 1 provides for the embodiment of the invention, as shown in Figure 1, the method comprises:

Step 101, obtain the name information of article of consumption.

Step 102, described name information write the consumption message of described article of consumption.

Wherein, also comprise the financial transaction information of described article of consumption in account in the described consumption message.

Step 103, described consumption message is sent to bank server.

Execution in step 103 is in order for described bank server the financial transaction information in the described consumption message and described name information to be sent to Mobile Directory Number corresponding to described account.

Terminal device is when receiving consume operations, for example, utilize bank card when terminal device carries out bankcard consumption, terminal device except according to prior art in similar mode, obtain beyond other information that bank card information and delivery operation need to gather, also obtain the name information of article of consumption.

The method of name information of obtaining article of consumption is more, can comprise following several implementation, but optional implementation is not limited in this.

A kind of optional implementation is, in terminal device, preset the relevant menu option of part, the user can select from the option of default article of consumption, and wherein the user can be the staff of businessman under the consumer that holds bank card or the terminal device.The option of article of consumption can be the large class of institute's content of consumption, also can for the concrete segmentation item of content of consumption, can arrange in advance as required.By carried out selection from the option of article of consumption after, terminal device receives user-selected option, with the title of user-selected project as article of consumption the user.

Another kind of optional implementation is to preset in terminal device for the interface that receives user's input information.The user utilizes the input method that presets to input the information such as Chinese or English character in the Information of the shown article of consumption of screen by the touch screen of the button on the terminal device or terminal device.Terminal device is with the information of the user that the receives input title as article of consumption.

Another optional implementation is to preset the functional module that has for identification codes such as scanning two-dimension code or bar codes in terminal device.Terminal device utilizes the identification code on this functional module items scanning, reads identification information corresponding to identification code, and this identification information is the discernible data layout of terminal device.When the storage space of terminal device is enough, the corresponding relation of pre-stored identification information and name information thereon, thereby terminal device is after reading identification information, can inquire name information corresponding to this identification information, and then with the name information that the inquires title as article of consumption.When the limited storage space of terminal device, can be after reading identification information, utilize wired or wireless mode to access the remote server of the corresponding relation that stores identification information and name information, after remote server gets access to name information, with the title of accessed name information as article of consumption.

Terminal device writes accessed name information in the consumption message of this article of consumption after getting access to the name information of article of consumption.

The consumption message can be the message form in the POS terminal specification, and the consumption message is used for carrying the relevant information of transaction, and the relevant information during terminal device utilization consumption message will be concluded the business sends to higher level equipment.Wherein, in the consumption message, be reserved with for the custom zone of expanding.Utilize this custom zone among the present invention, the name information of article of consumption is write this custom zone, thereby in the consumption message, not only can carry conventional Transaction Information, also carried the name information of article of consumption in the transaction.In various embodiments of the present invention, will consume in the message with prior art in identical Transaction Information be referred to as financial transaction information.

Terminal device writes the consumption message in the title with article of consumption, finishes after the structure to the consumption message, should consume message and send to higher level equipment.Its higher level equipment can be server or other data transfer equipments at POS center, the consumption message that is used for terminal device is sent sends to bank server, and terminal device will be consumed the specific implementation that message sends to bank server and be not limited in this.

Bank server is after the consumption message that receives the terminal device transmission, parse consumption in the message financial transaction information and the name information of article of consumption, determine the account that this consumption message is corresponding, if the pre-stored Mobile Directory Number that has with account binding on it, then the financial transaction information that parses and the name information of article of consumption are sent to this Mobile Directory Number of binding, to inform the user of this Mobile Directory Number, the transaction content in the account.

When bank server sends to user terminal corresponding to Mobile Directory Number with the name information of financial transaction information and article of consumption, the name information of financial transaction information and article of consumption can be carried in the short message, perhaps adopt other feasible form of message.

In addition, bank server parse consumption in the message financial transaction information and the name information of article of consumption, determine after account corresponding to this consumption message, also the name information of this financial transaction information and article of consumption is stored in transaction record corresponding to the account, so that the follow-up inquiry of carrying out the related account Transaction Information.

User terminal corresponding to this Mobile Directory Number is after receiving financial transaction information and article of consumption, on the display screen that the financial transaction information that receives and article of consumption are presented at user terminal, know transaction situation in the account for the user of user terminal.

The data transmission method for uplink that the embodiment of the invention provides, obtain the name information of article of consumption, name information is write the consumption message of article of consumption, and will consume message and send to bank server, financial transaction information and the name information that to consume in the message for bank server send to Mobile Directory Number corresponding to account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal corresponding to this Mobile Directory Number receives, the title that also comprises article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

The process flow diagram of another data transmission method for uplink that Fig. 2 provides for the embodiment of the invention, as shown in Figure 2, on the basis of above-described embodiment, before the execution in step 101, described method can also comprise:

The identification code of step 104, the described article of consumption of scanning.

Step 105, according to described identification code, obtain name information corresponding to described identification code.

Wherein, step 105 is equivalent to step 101 specific implementation in the present embodiment, correspondingly, after the execution of step 105, can continue execution in step 102 and step 103.

Concrete, can be provided with the identification code scanner in advance on the terminal device, concrete identification code scanner can be the scanner of bar code scanner or two-dimension code scanner or other identification codes.

Terminal device is when receiving consume operations, except obtaining other information that the bank card information of carrying out this article of consumption and delivery operation need to gather, also by the scanning of the identification code scanner on it identification code, the identification code that scans is as the identification code of this article of consumption.

A kind of optional implementation is that this identification code is bar code.Bar code may reside on the label of institute's consumer lines, also can exist with other form, because its effect is the carrier as identification information, therefore, optional existence form is not limited in this.

Because bar code is for two-dimension code, the data volume that its pattern comprises is less, therefore only be illustrated as an example of bar code example in the embodiment of the invention.

After bar code scanner scanned bar code, terminal device read the corresponding Serial No. of this bar code, and then obtained name information corresponding to this Serial No. according to this Serial No., namely name information corresponding to this identification code.

At present, bar code on the Commercial goods labels was before market sale on the commodity, the identification information of distributing unitedly during registration, the bar code between the commodity of same model or same specification can be identical, and the bar code between the commodity of different model or different size can be not identical.The bar code of these registrations and relevant information are stored in the long-range data server, and in addition, each businessman may arrange independently bar code and the relevant information thereof of archival memory sold goods.One or more bar codes and relevant information thereof in the database of each businessman can keep synchronously with these one or more bar codes of storing in the data server and relevant information thereof.

The database of each businessman can be in long-range server, and the terminal device of each businessman can be connected with its long-range server communication.Terminal device is after reading out Serial No. corresponding to bar code, utilize this Serial No. in long-range server or local canned data, to inquire about, obtain name information corresponding to this Serial No., thus should be with the name information of name information as this article of consumption.

The data transmission method for uplink that the embodiment of the invention provides, identification code by the scanning article of consumption, utilize this identification code to obtain name information corresponding to this identification code, with the name information that the gets access to name information as this article of consumption, utilizing the scanning identification code to obtain name information is a kind of more easy implementation, can improve the efficient that terminal device obtains the article of consumption name information, thereby can improve terminal device, the efficient of communicating by letter between bank server and the user terminal, so that the user receives detailed Transaction Information more in time, can effectively promote the user and experience.

Further, on the basis of above-described embodiment, step 102 can also be specially, and with described name information and described identification code, writes in the consumption message of described article of consumption.Thereby for after described consumption message is sent to described bank server, described bank server sends to Mobile Directory Number corresponding to described account with the financial transaction information in the described consumption message, described name information and described identification code, user terminal corresponding to described Mobile Directory Number obtains data message corresponding to described identification code according to described identification code from data server.

Terminal device is scanning identification code, and gets access to after name information corresponding to identification code, this identification code and name information all can be carried in the consumption message of article of consumption.

Wherein, need to prove, for the identification code of the forms such as bar code or two-dimension code, the identification code that is carried in the consumption message can refer to Serial No. or other the discernible data layout that this identification code is corresponding; But be the identification code of recognition data form for its itself, the identification code that is carried in the consumption message can refer to this identification code itself.

The consumption message that terminal device will carry identification code and name information sends to bank server, bank server sends to user terminal in the lump with financial transaction information, name information and the identification code of this article of consumption when sending information to user terminal corresponding to Mobile Directory Number.

User terminal is after receiving the financial transaction information of article of consumption, name information and identification code, can know the routine informations such as the exchange hour of this article of consumption and dealing money by financial transaction information and name information, and can know the information that briefly introduces of this article of consumption by name information, further, utilize identification code to send request to long-range data server, obtain data message corresponding to this identification code from this data server.

Concrete implementation can for, the query requests that user terminal will carry this identification code sends to data server, the pre-stored relevant information that one or more identification codes and each identification code are arranged in data server is such as details of commodity etc.; Data server utilizes the identification code in the query requests to inquire about in its canned data after receiving this query requests, and after inquiring the identification code identical with this identification code, the related data information that this identification code is corresponding returns to user terminal; User terminal is presented at the details that receive on the display screen, knows the comparatively detailed recommended information of this article of consumption for the user of user terminal.

The data transmission method for uplink that the embodiment of the invention provides, in the consumption message that name information is write article of consumption, also identification code is also write in the consumption message, so that bank server is after receiving the consumption message, with the financial transaction information in the consumption message, name information and identification code send to Mobile Directory Number corresponding to account, thereby the user terminal that Mobile Directory Number is corresponding can be according to this identification code, get access to the more detailed data message corresponding with this identification code from long-range data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

Fig. 3 and executive agent embodiment illustrated in fig. 4 are bank server.The process flow diagram of the another data transmission method for uplink that Fig. 3 provides for the embodiment of the invention, as shown in Figure 3, the method comprises:

The consumption message that step 201, receiving terminal apparatus send.

Wherein, carry the financial transaction information of article of consumption in account and the name information of described article of consumption in the described consumption message.

Step 202, described financial transaction information and described name information are sent to Mobile Directory Number corresponding to described account.

Execution in step 202 is in order to know described financial transaction information and the described name information of described article of consumption for the user of user terminal corresponding to described Mobile Directory Number.

Concrete, bank server receives the consumption message from terminal device, and will consume the implementation that financial transaction information in the message and described name information send to user's user terminal, can referring to the operation steps described in the above-mentioned steps 101-103, repeat no more herein.

The data transmission method for uplink that the embodiment of the invention provides, the consumption message that receiving terminal apparatus sends, financial transaction information and name information in the consumption message are sent to Mobile Directory Number corresponding to account, so that the user of user terminal corresponding to Mobile Directory Number know article of consumption melt Transaction Information and described name information, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

Further, on the basis of above-described embodiment, also carry identification code in the described consumption message;

Correspondingly, step 202 can also for:

Described financial transaction information, described name information and described identification code are sent to Mobile Directory Number corresponding to described account.Thereby in order to supply user terminal corresponding to described Mobile Directory Number according to described identification code, obtain data message corresponding to described identification code from data server.

Concrete, bank server receives the consumption message from terminal device, and will consume the implementation that the financial transaction information in the message, described name information and identification code send to user's user terminal, can referring to the operation steps described in the above-mentioned steps 101-105, repeat no more herein.

The data transmission method for uplink that the embodiment of the invention provides, in the consumption message that receives except the name information that comprises article of consumption, also comprise identification code, with the financial transaction information in the consumption message, name information and identification code send to Mobile Directory Number corresponding to account, thereby the user terminal that Mobile Directory Number is corresponding can be according to this identification code, get access to the more detailed data message corresponding with this identification code from long-range data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

The process flow diagram of the another data transmission method for uplink that Fig. 4 provides for the embodiment of the invention, as shown in Figure 4, on the basis of the various embodiments described above, after the execution of step 201, described method can also comprise:

The Transaction Inquiries request that step 203, the described user terminal of reception send.

Wherein, described Transaction Inquiries request is used for inquiring about the Transaction Information of described account.

Step 204, according to described Transaction Inquiries request, financial transaction information, name information and the identification code of one or more articles of consumption of described account sent to described user terminal.

Bank server is stored in the information of corresponding account the information in the consumption message after the consumption message that receives the terminal device transmission.After this, when the user need to access the historical transaction record of its account, can utilize user terminal to pass through internet or mobile Internet, send the Transaction Inquiries request to bank server, wherein, can carry the information of the account of required inquiry in this Transaction Inquiries request.Bank server is after the Transaction Inquiries request that receives the user terminal transmission, the historical transaction record of the account that this Transaction Inquiries request need to be inquired about sends to this user terminal, wherein comprises financial transaction information, name information and the identification code of the account in historical transaction record.The identification code that user terminal receives in this step can be used for obtaining the data message corresponding with this identification code to data server equally.

The data transmission method for uplink that the embodiment of the invention provides, receive the Transaction Inquiries request for the Transaction Information of inquiring about account that user terminal sends, according to the financial transaction information of Transaction Inquiries request with one or more articles of consumption of account, name information and identification code send to this user terminal, thereby the user can utilize the user terminal access bank server, not only comprise the financial transaction information that exchange hour and dealing money etc. are conventional in the received historical transaction record, also comprise the more detailed Transaction Informations such as the name information of institute's article of consumption and identification code, more be conducive to the user and know detailed historical transactional information, can effectively promote the user and experience.

Fig. 5 and executive agent embodiment illustrated in fig. 6 are user terminal,

The process flow diagram of the another data receive method that Fig. 5 provides for the embodiment of the invention, as shown in Figure 5, the method comprises:

Financial transaction information, name information and the identification code of the article of consumption in the account that step 301, reception bank server send.

Wherein, described name information and described identification code are that described bank server gets access to from the consumption message that terminal device sends.

A kind of optional implementation is that described identification code can be bar code.

Step 302, the financial transaction information to described article of consumption, name information and identification code show.

Concrete, user terminal receives financial transaction information, name information and identification code from bank server after the account of binding is concluded the business, and is shown to the user's of user terminal implementation, can referring to the operation steps described in the above-mentioned steps 101-105, repeat no more herein.

The data receive method that the embodiment of the invention provides, financial transaction information, name information and identification code by the article of consumption the account that receives from bank server, and be presented on the display screen for the user and know Transaction Information in the account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal receives, the title and the bar code that also comprise article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

The process flow diagram of the another data receive method that Fig. 6 provides for the embodiment of the invention, as shown in Figure 6, on the basis of above-described embodiment, after the execution of step 302, the method also comprises:

Step 303, according to described identification code, obtain data message corresponding to described identification code from data server.

The data receive method that the embodiment of the invention provides, the identification code that user terminal receives from bank server, can also be used for obtaining the more detailed data message corresponding with this identification code from data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of the terminal device that Fig. 7 a provides for the embodiment of the invention, shown in Fig. 7 a, this terminal device comprises acquiring unit 11, processing unit 12 and transmitting element 13.

Wherein, acquiring unit 11 is for the name information of obtaining article of consumption; Processing unit 12 is used for the described name information that acquiring unit 11 obtains is write the consumption message of described article of consumption, also comprises the financial transaction information of described article of consumption in account in the described consumption message; Transmitting element 13, be used for the described consumption message after processing unit 12 processing is sent to bank server, for described bank server the financial transaction information in the described consumption message and described name information sent to Mobile Directory Number corresponding to described account.

The terminal device that the embodiment of the invention provides, obtain the name information of article of consumption, name information is write the consumption message of article of consumption, and will consume message and send to bank server, financial transaction information and the name information that to consume in the message for bank server send to Mobile Directory Number corresponding to account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal corresponding to this Mobile Directory Number receives, the title that also comprises article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of another terminal device that Fig. 7 b provides for the embodiment of the invention, shown in Fig. 7 b, this terminal device can also comprise scanning element 14.

Scanning element 14 is used for scanning the identification code of described article of consumption before described acquiring unit 11 obtains the name information of described article of consumption; Correspondingly, described acquiring unit 11 also is used for, and according to described identification code, obtains name information corresponding to described identification code.

Optionally, described identification code can be bar code.

The terminal device that the embodiment of the invention provides, identification code by the scanning article of consumption, utilize this identification code to obtain name information corresponding to this identification code, with the name information that the gets access to name information as this article of consumption, utilizing the scanning identification code to obtain name information is a kind of more easy implementation, can improve the efficient that terminal device obtains the article of consumption name information, thereby can improve terminal device, the efficient of communicating by letter between bank server and the user terminal, so that the user receives detailed Transaction Information more in time, can effectively promote the user and experience.

Further, on the basis of above-described embodiment, described processing unit 12 can also be used for, with described name information and described identification code, write in the consumption message of described article of consumption, for after described consumption message is sent to described bank server, described bank server is with the financial transaction information in the described consumption message, described name information and described identification code send to Mobile Directory Number corresponding to described account, user terminal corresponding to described Mobile Directory Number obtains data message corresponding to described identification code according to described identification code from data server.

The terminal device that the embodiment of the invention provides, in the consumption message that name information is write article of consumption, also identification code is also write in the consumption message, so that bank server is after receiving the consumption message, with the financial transaction information in the consumption message, name information and identification code send to Mobile Directory Number corresponding to account, thereby the user terminal that Mobile Directory Number is corresponding can be according to this identification code, get access to the more detailed data message corresponding with this identification code from long-range data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of the another terminal device that Fig. 7 c provides for the embodiment of the invention, shown in Fig. 7 c, this terminal device comprises:

Processor 15, storer 16, communication interface 17 and bus 18 connect by described bus 18 between described processor 15, storer 16 and the communication interface 17 and finish mutual communication.

Processor 15 may be monokaryon or multinuclear CPU (central processing unit) (Central Processing Unit, CPU), perhaps be specific integrated circuit (Application Specific Integrated Circuit, be called for short ASIC), perhaps for being configured to implement one or more integrated circuit of the embodiment of the invention.

Storer 16 can be the high-speed RAM storer, also can be nonvolatile memory (non-volatile memory), for example at least one magnetic disk memory.

Storer 16 is used for depositing program 161.Concrete, can comprise program code in the program 161, described program code comprises computer-managed instruction.

Processor 15 working procedures 161, to carry out:

Obtain the name information of article of consumption;

Concrete, the terminal device that the embodiment of the invention provides carries out the method that data send, and can referring to the operation steps described in the embodiment of the method for above-mentioned correspondence, repeat no more herein.

The structural representation of the bank server that Fig. 8 a provides for the embodiment of the invention, shown in Fig. 8 a, this bank server comprises receiving element 21 and transmitting element 22.

Wherein, receiving element 21 is used for the consumption message that receiving terminal apparatus sends, and carries the financial transaction information of article of consumption in account and the name information of described article of consumption in the described consumption message; Transmitting element 22, be used for described financial transaction information and described name information that receiving element 21 receives are sent to Mobile Directory Number corresponding to described account, know described financial transaction information and the described name information of described article of consumption for the user of user terminal corresponding to described Mobile Directory Number.

The bank server that the embodiment of the invention provides, the consumption message that receiving terminal apparatus sends, financial transaction information and name information in the consumption message are sent to Mobile Directory Number corresponding to account, so that the user of user terminal corresponding to Mobile Directory Number know article of consumption melt Transaction Information and described name information, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

Further, on the basis of above-described embodiment, can also carry identification code in the described consumption message; Correspondingly, described transmitting element 22 can also be used for, described financial transaction information, described name information and described identification code are sent to Mobile Directory Number corresponding to described account, according to described identification code, obtain data message corresponding to described identification code from data server for user terminal corresponding to described Mobile Directory Number.

Optionally, described identification code is bar code.

The bank server that the embodiment of the invention provides, in the consumption message that receives except the name information that comprises article of consumption, also comprise identification code, with the financial transaction information in the consumption message, name information and identification code send to Mobile Directory Number corresponding to account, thereby the user terminal that Mobile Directory Number is corresponding can be according to this identification code, get access to the more detailed data message corresponding with this identification code from long-range data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of another bank server that Fig. 8 b provides for the embodiment of the invention, shown in Fig. 8 b, this bank server can also comprise processing unit 23.

Processing unit 23 is used for receiving the Transaction Inquiries request that described user terminal sends after described receiving element 21 receives the consumption message of described terminal device transmission, and described Transaction Inquiries request is used for inquiring about the Transaction Information of described account; According to described Transaction Inquiries request, financial transaction information, name information and the identification code of one or more articles of consumption of described account sent to described user terminal.

The bank server that the embodiment of the invention provides, receive the Transaction Inquiries request for the Transaction Information of inquiring about account that user terminal sends, according to the financial transaction information of Transaction Inquiries request with one or more articles of consumption of account, name information and identification code send to this user terminal, thereby the user can utilize the user terminal access bank server, not only comprise the financial transaction information that exchange hour and dealing money etc. are conventional in the received historical transaction record, also comprise the more detailed Transaction Informations such as the name information of institute's article of consumption and identification code, more be conducive to the user and know detailed historical transactional information, can effectively promote the user and experience.

The structural representation of the another bank server that Fig. 8 c provides for the embodiment of the invention, shown in Fig. 8 c, this terminal device comprises:

Processor 24, storer 25, communication interface 26 and bus 27 connect by described bus 27 between described processor 24, storer 25 and the communication interface 26 and finish mutual communication.

Processor 24 may be monokaryon or multinuclear CPU (central processing unit) (Central Processing Unit, CPU), perhaps be specific integrated circuit (Application Specific Integrated Circuit, be called for short ASIC), perhaps for being configured to implement one or more integrated circuit of the embodiment of the invention.

Storer 25 can be the high-speed RAM storer, also can be nonvolatile memory (non-volatile memory), for example at least one magnetic disk memory.

Storer 25 is used for depositing program 251.Concrete, can comprise program code in the program 251, described program code comprises computer-managed instruction.

Processor 24 working procedures 251 are to carry out:

Concrete, the bank server that the embodiment of the invention provides carries out the method that data send, and can referring to the operation steps described in the embodiment of the method for above-mentioned correspondence, repeat no more herein.

The structural representation of the user terminal that Fig. 9 a provides for the embodiment of the invention, shown in Fig. 9 a, this user terminal comprises receiving element 31 and display unit 32.

Wherein, receiving element 31, be used for to receive financial transaction information, name information and the identification code of the article of consumption of the account that bank server sends, described name information and described identification code are that described bank server gets access to from the consumption message that terminal device sends; Display unit 32 is used for financial transaction information, name information and the identification code of described article of consumption are shown.

Optionally, described identification code is bar code.

The user terminal that the embodiment of the invention provides, financial transaction information, name information and identification code by the article of consumption the account that receives from bank server, and be presented on the display screen for the user and know Transaction Information in the account, thereby the user not only comprises exchange hour and dealing money by the Transaction Information that user terminal receives, the title and the bar code that also comprise article of consumption, so that the content of the Transaction Information that the user receives is more detailed, be more conducive to the user and know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of another user terminal that Fig. 9 b provides for the embodiment of the invention, shown in Fig. 9 b, described user terminal also comprises acquiring unit 33.

Acquiring unit 33 is used for according to described identification code, obtaining data message corresponding to described identification code from data server after financial transaction information, name information and the identification code of 32 pairs of described articles of consumption of described display unit show.

The user terminal that the embodiment of the invention provides, the identification code that user terminal receives from bank server, can also be used for obtaining the more detailed data message corresponding with this identification code from data server, can be so that the content of the Transaction Information that the user of user terminal receives be more detailed, more be conducive to know detailed historical transactional information in the future, can effectively promote the user and experience.

The structural representation of the another user terminal that Fig. 9 c provides for the embodiment of the invention, shown in Fig. 9 c, this terminal device comprises:

Processor 34, storer 35, communication interface 36 and bus 37 connect by described bus 37 between described processor 34, storer 35 and the communication interface 36 and finish mutual communication.

Processor 34 may be monokaryon or multinuclear CPU (central processing unit) (Central Processing Unit, CPU), perhaps be specific integrated circuit (Application Specific Integrated Circuit, be called for short ASIC), perhaps for being configured to implement one or more integrated circuit of the embodiment of the invention.

Storer 35 can be the high-speed RAM storer, also can be nonvolatile memory (non-volatile memory), for example at least one magnetic disk memory.

Storer 35 is used for depositing program 351.Concrete, can comprise program code in the program 351, described program code comprises computer-managed instruction.

Processor 34 is used for working procedure 351, to carry out:

Concrete, the user terminal that the embodiment of the invention provides carries out the method for data receiver, can referring to the operation steps described in the embodiment of the method for above-mentioned correspondence, repeat no more herein.

The configuration diagram of the communication system that Figure 10 provides for the embodiment of the invention, as shown in figure 10, this communication system comprises arbitrary described terminal device 1, bank server 2, user terminal 3 and data server 4 in the various embodiments described above.

Wherein, data server is used for the storage data message corresponding with identification code, communicates to connect between described terminal device 1, described bank server 2, described user terminal 3 and the described data server.

Concrete, this communication system is carried out the method for data transmission and data receiver, can referring to the operation steps described in the embodiment of the method for above-mentioned correspondence, repeat no more herein.

The configuration diagram of another communication system that Figure 11 a provides for the embodiment of the invention, shown in Figure 11 a, this communication system comprises the POS terminal 51, POS center 52 of internal or external bar code scanner, banking system 53, user terminal 54 and the article code center 55 of internal or external short message sending module.Wherein, POS terminal 51 is equivalent to the terminal device 1 in above-described embodiment; POS center 52 is not shown in the above-described embodiments; Banking system 53 is equivalent to the bank server 2 in above-described embodiment; User terminal 54 is equivalent to the user terminal 3 in above-described embodiment; Article code center 55 is equivalent to the data server 4 in above-described embodiment.

POS terminal 51 provides the bank card function of swiping card, for the POS terminal of large-scale sales field, and generally also integrated bar code scanner, bar code that can items scanning.POS terminal 51 can communicate with POS center 52, finishes transaction.

The transaction request information of POS terminal 51 is responsible for receiving, processing or transmit in POS center 52, and to POS terminal 51 loopback transaction results information.

Banking system 53 is finished the processing to bank card business dealing, utilizes built-in short message sending module, sends short message to the cell-phone number of bank card binding after the bank card consumption success; In addition, also provide Internet-based banking services, support user's query history transaction record.

User terminal 54 can be mobile phone, personal computer (Personal Computer, PC), panel computer (PAD) etc., and user terminal 54 is built-in with cell-phone number, can receive short message by the mode of radio communication.Bank card generally can be bound with cell-phone number, and after using this bank card bankcard consumption, user terminal 54 can receive the consumption reminding short message that banking system 53 sends.

Article code center 55 is responsible for the Unified coding of article or commodity, and the bar code query capability is provided, and the coded query interface is provided; Can receive user terminal 54(PC, PAD, mobile phone etc.) query requests, the details of article or commodity are provided for user terminal 54.

The signaling process figure of the communication system that Figure 11 b provides for the embodiment of the invention shown in Figure 11 b, comprises following signalling interactive process.

The POS terminal sends transaction request to the POS center, carry the consumption message in transaction request.

Be reserved with the custom zone that can be used for expanding in the consumption message of POS terminal specification, namely in the territory 62.This custom zone can be supported in the message bar code information corresponding to the title of transmission content of consumption and bar code etc.

Wherein bar code only can relate to when the physical goods of concluding the business concrete, the bar code that bar code is corresponding is obtained by the bar code scanner scanning that is connected on the POS terminal, the POS terminal can be corresponding according to bar code the barcode inquiry database, to obtain the title of physical goods;

For the transaction of non-physical goods, such as paying the business such as charges for water and electricity and airfare, do not need to use bar code, the title of content of consumption can be the paying object oriented, such as charges for water and electricity and airfare etc.Wherein, obtain the paying object oriented mode can for, by the POS terminal is carried out secondary development, utilize on the POS terminal input message or the mode that option is selected realized.

The POS center is transmitted to banking system with transaction request after receiving the transaction request of POS terminal.Wherein, in the transaction request of transmitting, comprise bar code corresponding to bar code and name information.

Banking system is carried out transaction processing after the transaction request that receives the POS center, after finishing transaction processing, return the transaction response to the POS center.After transaction is finished, the consumer record of banking system storage bank card account, title and the bar code information corresponding to bar code of the content of consumption of also preservation correspondence.The SMS transmission module of banking system with Transaction Information by SMS notification to the bank card possessor, subsidiary title, the corresponding bar code information of bar code in short message content.

The bank card possessor can check at user terminal the title of transaction article or paying object.

For the article of supporting bar code, the bank card possessor can utilize user terminal, initiates query requests, the barcode inquiry merchandise news corresponding according to bar code to the article code center.

A kind of display interface of user terminal in the communication system that Figure 12 a provides for the embodiment of the invention, a kind of display interface of banking system in the communication system that the another kind of display interface of user terminal in the communication system that Figure 12 b provides for the embodiment of the invention, Figure 12 c provide for the embodiment of the invention.

Shown in Figure 12 a, at user terminal extending message application function, in the function menu of user terminal, increase the inquiry bar code function, support the details of the barcode inquiry commodity that the user selection bar code is corresponding.Popup menu after this bar code of user selection can eject or automatic spring by button, and the user selects to check the article details in menu, and user terminal can automatically from the details of article code center inquiry commodity, shown in Figure 12 b, show.Wherein, the article code center can utilize the mode of open inquiry application DLL (dynamic link library) (Application Programming Interface, API), inquires about for user terminal.

In addition, the bank card possessor can utilize user terminal, such as PC, mobile phone, PAD etc., and by internet or mobile Internet, access bank website, query history transaction record.Website of bank is a kind of access stencil that banking system offers the user, banking system shows the user with transaction record by website of bank, shown in Figure 12 c, in transaction record, comprise the particular content of transaction, and title of content of consumption, bar code that bar code is corresponding etc.

The communication system that the embodiment of the invention provides, the custom zone of the consumption message by expansion POS terminal specification, can realize that consumption that bank sends to user terminal reminds the trade name of carrying consumption in the short breath and bar code information etc., can be by user terminal directly according to the barcode inquiry article details in the note, when the user inquired about its transaction record in bank, bank can show the user with the particular content of consumption.

One of ordinary skill in the art will appreciate that: all or part of step that realizes above-mentioned each embodiment of the method can be finished by the relevant hardware of programmed instruction.Aforesaid program can be stored in the computer read/write memory medium.This program is carried out the step that comprises above-mentioned each embodiment of the method when carrying out; And aforesaid storage medium comprises: the various media that can be program code stored such as ROM, RAM, magnetic disc or CD.

It should be noted that at last: above each embodiment is not intended to limit only in order to technical scheme of the present invention to be described; Although with reference to aforementioned each embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment puts down in writing, and perhaps some or all of technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the scope of various embodiments of the present invention technical scheme.

Claims

1. a data transmission method for uplink is characterized in that, comprising:

Obtain the name information of article of consumption;

2. data transmission method for uplink according to claim 1 is characterized in that, before the described name information of obtaining article of consumption, described method also comprises:

Scan the identification code of described article of consumption;

3. data transmission method for uplink according to claim 2 is characterized in that, the described consumption message that described name information is write described article of consumption is specially:

4. according to claim 2 or 3 described data transmission method for uplink, it is characterized in that, described identification code is bar code.

5. a data transmission method for uplink is characterized in that, comprising:

6. data transmission method for uplink according to claim 5 is characterized in that, also carries identification code in the described consumption message;

7. data transmission method for uplink according to claim 6 is characterized in that, after the consumption message that described receiving terminal apparatus sends, described method also comprises:

8. according to claim 6 or 7 described data transmission method for uplink, it is characterized in that, described identification code is bar code.

9. a data receive method is characterized in that, comprising:

10. data receive method according to claim 9 is characterized in that, after described financial transaction information to described article of consumption, name information and identification code showed, described method also comprised:

11. according to claim 9 or 10 described data receive methods, it is characterized in that, described identification code is bar code.

12. a terminal device is characterized in that, comprising:

Acquiring unit is for the name information of obtaining article of consumption;

13. terminal device according to claim 12 is characterized in that, described terminal device also comprises:

Correspondingly, described acquiring unit also is used for:

14. terminal device according to claim 13 is characterized in that, described processing unit also is used for:

15. according to claim 13 or 14 described terminal devices, it is characterized in that, described identification code is bar code.

16. a bank server is characterized in that, comprising:

17. bank server according to claim 16 is characterized in that, also carries identification code in the described consumption message;

Correspondingly, described transmitting element also is used for:

18. bank server according to claim 17 is characterized in that, described bank server also comprises:

19. according to claim 17 or 18 described bank servers, it is characterized in that, described identification code is bar code.

20. a user terminal is characterized in that, comprising:

21. user terminal according to claim 20 is characterized in that, described user terminal also comprises:

22. according to claim 20 or 21 described user terminals, it is characterized in that, described identification code is bar code.

23. communication system, it is characterized in that, comprise such as arbitrary described terminal device among the claim 12-15, such as arbitrary described bank server among the claim 16-19, such as arbitrary described user terminal and data server among the claim 20-22, described data server is used for the storage data message corresponding with identification code, communicates to connect between described terminal device, described bank server, described user terminal and the described data server.