CN103198428A - System and method for air depositing and withdrawing of bank - Google Patents
System and method for air depositing and withdrawing of bank Download PDFInfo
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- CN103198428A CN103198428A CN2013100817569A CN201310081756A CN103198428A CN 103198428 A CN103198428 A CN 103198428A CN 2013100817569 A CN2013100817569 A CN 2013100817569A CN 201310081756 A CN201310081756 A CN 201310081756A CN 103198428 A CN103198428 A CN 103198428A
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Abstract
The invention relates to a system and a method for air depositing and withdrawing in the air of a bank. The system for air depositing and withdrawing of the bank comprises a mobile terminal, a communication operator website operating terminal, a business access platform and a banking business platform, and further comprises a center business platform. The center business platform comprises a logical processing service module, a short message service module, a data processing service module, a statistics service module, a log service module and an external interface service module. The logical processing service module comprises a website registering module, a card holder registering module, a withdrawing transaction processing module, a deposit transaction module, a website logout module and a card holder logout module. The system and the method for air depositing and withdrawing of the bank logically connects the banking business platform with the communication operator website operating terminal, logically connects the business access platform with the banking business platform, carries out physical isolation on the banking business platform and the business access platform, solves the connecting and communication problem between heterogeneous systems, solves the safety problem after different business systems are connected, and solves the problems such as data security, account security and payment security of an integrated business system formed by different business systems.
Description
Technical field
The present invention relates to a kind of transmission and disposal system of depositing and drawing in bank information, particularly relate to the system and method that a kind of bank deposits and withdraws in the air.
Background technology
Along with scientific and technical development, China people's material and cultural life is significantly improved, the public service of enjoying is more supporting, convenient and perfect, but China still have some areas particularly the people of former revolutionary bases, minority-inhabited areas, frontier areas and poverty-stricken areas handling various financial services when (as deposited, withdraw the money, transfer accounts, pay the fees etc.), the road that need to walk a long way, expend a large amount of time, just can arrive bank outlets' handling bank business.Why there will be such problem, its main cause is that these areas have inconvenient traffic, wire communication line is not smooth (for security consideration, banking system is used special-purpose Wireline mostly with being connected of its site terminal), the service network of financial service barren ground bank underdeveloped seldom, the user haves no alternative but to handle financial business through the sales counter of arriving in bank outlets of trudging.
The appearance of Web bank can solve above-mentioned distance problem well, and the user stays indoors and can complete handling of bank's related service by internet.Yet, prerequisite by Web bank's transacting business is to want accessing Internet (no matter being mobile phone or computer), in some remote mountain areas, internet is not very universal, and, Web bank has relatively high expectations to the user's, lives in the common educational level of people from far-off regions not high, basically can't by Web bank's finishing service, handle independently.Even more important, because Web bank can not handle monetary transaction, therefore do not solve the poor problem of financial service of financial service barren ground.
In order to allow the common people in remote countryside area enjoy basic financial service, in October, 2009, the Banking Supervision Commission (China Banking Regulatory Commission (CBRS)) formally starts the basis financial service all standing work of the blank small towns of national financial institution: for the small towns that can reach the sustainable requirement of business, by setting up the modes such as standardization site, introducing new village financial institution, solve; To being difficult in a short time realize the continuable small towns of business, by setting up simple and easy outlet, carrying out the flexi modes such as regularly fixed point is served, laying physics facility, actively provide basic financial service.Yet, the working index of assigning in order to complete above-mentioned country, for being difficult in a short time realize the continuable small towns of business, even set up simple and easy outlet, carry out the basic means such as regularly fixed point service or laying physics facility, also need to drop into huge manpower and physical resource, for remote mountain areas backward in economy, the difficulty that work is carried out is still very large.
Through development for many years, the communication technology (comprising mobile communication and fixed communication, wire communication and wireless communication technology) universal reached more flourishing level, even in remote mountain areas, mobile phone is held per capita rate and has also been reached more than 60%, common carrier business hall (comprising China Mobile, CHINAUNICOM and China Telecom) is " ubiquitous " especially, has many, the widespread characteristics of quantity.If the mobile communication terminal that peasant household from far-off regions can utilize oneself at business hall, common carrier site handling bank business, will bring great convenience as mobile phone to the user, be conducive to popularization and the development of banking.
But, banking system and common carrier operation system are two diverse systems, bank will utilize the business platform of common carrier that financial service is provided, two communication connection and communication problems between system certainly will will be solved, in addition, after different business systems connects, it is also the problem that must properly settle that data security, account safety and payment transaction wait safely safety problem.
Summary of the invention
The system that provides a kind of bank to deposit and withdraw in the air is provided first purpose of the present invention, this system is utilized network advantage and the site advantage of common carrier, banking platform and common carrier business platform logic are coupled together, and banking platform and service access platform are carried out to physical isolation, solve connection and communication issue between heterogeneous system, solve the safety problem after different business systems connects.
A kind of method that provides bank to deposit and withdraw in the air is provided second purpose of the present invention, the method is by well-designed central service platform, deposit and withdraw in the air between banking platform and the service access platform treatment scheme of the transmission path of request/response information and the Transaction Information of depositing and withdrawing in the air, solution consists of the data security of integrated-type financial service system the multiple business system, account safety and payment transaction safety, the bank finance service is extended to remote districts, eliminate or minimizing financial service clear area, the technological means of innovation financial service, improve level and the ability of banking industry financial service.
Purpose of the present invention is achieved through the following technical solutions: the system that a kind of bank deposits and withdraws in the air, it comprises mobile terminal, common carrier site operating terminal, service access platform and banking platform, it also comprises a central service platform, central service platform couples together service access platform and banking platform logic banking platform and service access platform are carried out to physical isolation, common carrier site operating terminal is connected with the service access platform by communication line respectively with mobile terminal, the service access platform is connected with central service platform by communication line, central service platform is connected with the banking platform by internal network, mobile terminal also is connected with central service platform by communication gate,
Described central service platform comprises the logical process service module, short message service module, data are processed service module, the statistics service module, log service module and external interface service module, wherein, described logical process service module is for the treatment of aerial the deposit or the withdrawal logic, comprise the site Registering modules for the site registration, for the signing holder's Registering modules of depositor individual, the trade processing module of withdrawing the money of for the depositor, withdrawing the money and concluding the business, credit transaction module for depositor's credit transaction, the site of nullifying for site is nullified module and is nullified module for the individual holder who nullifies of depositor, described short message service module comprises note task distribution module for realizing the queue of corresponding note task message according to service needed and each note task being classified, for the short message service dlm (dynamic loading module) of the short message interface service of dynamic load operator, for realize SMS (Short Messaging Service) independently according to the SMS (Short Messaging Service) agreement, send SMS (Short Messaging Service) sending module and the secondary service module of service, described data are processed service module and are comprised interface message request processing module, interface message request cache module, interface message request logging modle and information warehouse-in processing module, described statistics service module comprises for by the period subregion, dot number, site trading volume being added up and formed the site statistics service module of statistical report form and serve service module for the money business statistics that deposits, withdraws of being added up and form statistical report form by period subnetting point to depositing, withdrawing the money trading volume, described log service module records and provides the log information query interface in detail for each log information to all operation flows, business operation, described external interface service module comprises that site information increase interface service, site information deletion interface service, site information inquiry interface service, site number of registration write-back interface service, site number of registration query interface service, the transaction verification interface service of withdrawing the money, the transaction interface of withdrawing the money service, credit transaction interface service, the service of holder's interface for changing passwords, inquiry into balance interface service, personal user nullify interface service and the service of note transmission interface.
Further, secondary service module comprises the log services submodule for demonstration that log information is classified, preservation and warehouse-in, is used to interface service, service request warehouse-in, random code service logic, external information service logic, service request that the testing service that provides whole process to pass through, the testing service submodule of single business service test and the parameter configuration submodule that carries out the visualization interface configuration for the parameters to business interface service correspondence are provided.
Further, communication line can be Wireline or radiolink, can be also common line or dedicated line.
Further, communication gate is Short Message Service Gateway.
A kind of method that bank deposits and withdraws in the air, it comprises the step of a site registration, step, the withdraw the money step of transaction and a step of a credit transaction that the client is signing:
The step of described site registration comprises following sub-step:
S101: the trade company of wanting registering communication operator site carries I.D. and original cell phone to the common carrier business hall and signs an agreement;
S102: change SIM card according to the agreement of signing, the site information that service access platform received communication operator site operating terminal collects is also stored;
S103: service access platform invoke central service platform interface is synchronized to central service platform by the associated nets dot information;
S104: the service protocol that trade company carries I.D., sign with common carrier and change later SIM card to appointed bank, sign bank side's agreement, the banking platform gathers site information;
S105: the banking platform is initiated the identity information inquiry request of this site to central service platform, and central service platform receives asks and return this site identity information;
S106: the site identity information that bank's root returns according to central service platform is verified the legitimacy of this site, and completes this site user's service contracting operation in the banking platform;
S107: after contracting and operate successfully in site, banking system returns to central service platform by this site number of registration information, and the service access platform is inquired about site number of registration information by central service platform;
S108: site, after bank has contracted, is activated menu by SIM card and is carried out activation manipulation, and activation request reaches the service access platform by note in form;
S109: the service access platform issues activation instruction automatically to this site terminal, activates the service application on this SIM card;
The signing step of described client comprises following sub-step:
S201: individual depositor carries I.D. and cell phone to appointed bank and signs the service fulfillment agreement;
S202: bank counter is inputted individual depositor's information, and bank card is verified, after being verified, individual depositor's information is committed to the banking platform;
S203: the banking platform is registered depositor's information inquiry to central service platform;
S204: central service platform inquiry registration depositor information, if central service platform without this user's registration information register this user profile, and returns to the banking platform by user type;
S205: the banking platform generates random code information, and the cell-phone number transmission random code note provided to signing depositor by central service platform, realizes that the checking to depositor's phone number is the binding of bank card and cell-phone number;
S206: signing depositor is by the random code information notification bank counter in the note of receiving;
S207: the random code Data Enter banking platform that the bank counter personnel provide the depositor, reserved or be arranged on the password of withdrawing the money of the site operating terminal of common carrier site;
S208: the random code information that the banking platform is inputted sales counter is authenticated and is the signing operation of depositor's finishing service, otherwise presenting bank sales counter phone number authentification failure is contracted unsuccessfully;
The described transaction step of withdrawing the money comprises following sub-step:
S301: the depositor provides to the common carrier site information of withdrawing the money, and the information of withdrawing the money comprises depositor's cell-phone number and the amount of money of withdrawing the money;
S302: depositor's operation of initiating to withdraw the money, the input information of withdrawing the money on the operating terminal of common carrier site, and the site operating terminal arranged when input depositor is signing on the cipher input equipment password of withdrawing the money, by after depositor's confirmation, being committed to the service access platform;
S303: the service access platform is transmitted to central service platform by the Transaction Information of withdrawing the money of input message;
S304: will the be correlated with Transaction Information of withdrawing the money of central service platform is transmitted to the banking platform;
S305: bank is verified depositor's business password after receiving this Transaction Information;
S306: the banking platform is sent to central service platform by business password authentification result;
S307: central service platform is sent to the service access platform by business password authentification result, if authentication failed, the service access platform is issued to each common carrier site by failure information with short message mode;
S308: if authentication failed, central service platform is notified the depositor by short message mode; If be proved to be successful, generate the transaction random code of withdrawing the money for this transaction, and by short message mode will withdraw the money the transaction random code be handed down to the depositor;
S309: the transaction random code of withdrawing the money that site provides according to the depositor is inputted on cipher input equipment, and is committed to the service access platform;
S310: the transaction random code of withdrawing the money that the service access platform will be received is forwarded to central service platform;
S311: central service platform is verified the transaction random code of withdrawing the money;
S312: if authentication failed, this Fail Transaction of withdrawing the money, the service access platform sends the Fail Transaction notice to the depositor; Central service platform sends the Fail Transaction notifying messages to the corresponding phone number of depositor; If be proved to be successful, central service platform is initiated the request of withdrawing the money and concluding the business and carrying out to the banking platform;
S313: the banking platform transaction executable operations of being withdrawn the money;
S314: the banking platform execution result of concluding the business feeds back to central service platform
;
S315: the central service platform execution result of concluding the business is handed down to the service access platform;
S316: the service access platform execution result of concluding the business is informed the common carrier site, and the central service platform execution result of concluding the business is informed the depositor with the note form;
Described credit transaction step comprises following sub-step:
S401: the depositor provides credit transaction information to the common carrier site, and credit transaction information comprises depositor's name, bank's card number, cell-phone number and deposits the amount of money in;
S402: after the common carrier site receives credit transaction information, by SIM cards of mobile phones menu typing credit transaction information and submit to the deposit business request to the service access platform;
S403: after the service access platform is received the deposit business request, credit transaction information is submitted to central service platform, central service platform is forwarded to the banking platform again;
S404: after the banking platform is received the credit transaction request, whether the relevant information of examining the fund side of producing and the fund side of proceeding to is legal, after confirmation is legal, completes the deposit business operation;
S405: the banking platform sends to central service platform by credit transaction result, transaction journal number;
S406: central service platform sends to the service access platform by credit transaction result, transaction journal number;
S407: the service access platform sends credit transaction note as a result after receiving the credit transaction object information to the common carrier site, central service platform is informed the depositor by the credit transaction result with short message mode;
S408: site and depositor, after the transaction of receiving bank side completes note, are signed on the transaction voucher by the depositor, and credit transaction completes.
Further, the method that bank deposits and withdraws in the air also comprises the step of a site cancellation and the step that personal is nullified:
Described site is nullified step and is comprised following sub-step:
S501: service access platform or banking platform submit to site to nullify application to central service platform;
S502: central service platform is revised the site login state;
Described individual nullifies step and comprises following sub-step:
S601: the service access platform is submitted individual log-off message to central service platform;
S602: central service platform will be nullified application and will be committed to the banking platform, and the banking platform carries out the business cipher authentication, and authentication is passed through to carry out and nullify operation, and deregistration is fed back to central service platform;
S603: central service platform feeds back to the service access platform by deregistration;
S604: the service access platform is sent to the depositor by deregistration.
Further, the method that bank deposits and withdraws in the air also comprises a query steps, and query steps comprises the site information inquiry sub-step of site information being inquired about according to cell-phone number, the site number of registration inquiry sub-step of the site number of registration being inquired about according to company's coding and cell-phone number, the inquiry into balance sub-step of account balance being inquired about according to company's coding and cell-phone number.
The invention has the beneficial effects as follows:
(1) the present invention couples together service access platform and banking platform logic banking platform and service access platform are carried out to physical isolation, solve connection and communication issue between heterogeneous system, solved the safety problem after different business systems connects;
(2) the present invention has simplified operation flow, has reduced depositor's operation complexity;
(3) central service platform realizes the issuing of depositor's note guaranteed to unitarity and confidentiality that information issues by mobile industry gateway;
(4) central service platform and banking platform achieve a butt joint, and realize the transfer of each financial transaction, have shielded the direct interaction of service access platform and banking platform, but effective guarantee bank data safety;
(5) interconnect by special line between each business platform, further ensured data security;
(6) reduce the depositor and moved the hair fastener flow process, for the business Rapid Popularization has been created favourable technical conditions, for bank carries out extensive business development, provide technical support;
(7) issue by random code the authentication realized subscriber phone number in the signing process of depositor, the mandatory requirement user arranges the specific password of withdrawing the money (6) for this business simultaneously, effective guarantee depositor's information, fund security;
(8) withdraw the money in the business transaction process, require the depositor must input from the business password of establishing, and the strict random code authentication by bank, double authentication is guaranteed depositor's information, fund security;
(9) client's business password is kept at bank side, and the checking of password also completes in bank side, has guaranteed to the full extent client's fund security;
(10) between banking platform and operator, by central service platform, isolated, central service platform provides unified platform interface for each large common carrier, even new operator's access is arranged again, as long as meeting platform interface can reach the standard grade, bank side is without change, and business development and upgrading are convenient.
The accompanying drawing explanation
Fig. 1 is system architecture schematic block diagram of the present invention;
Fig. 2 is site registration operation flow schematic diagram of the present invention;
Fig. 3 is client's signing service schematic flow sheet of the present invention;
Fig. 4 is the present invention's transaction business schematic flow sheet of withdrawing the money;
Fig. 5 is credit transaction operation flow schematic diagram of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention will be further described, but protection scope of the present invention is not limited to the following stated.
As shown in Figure 1, the system that a kind of bank deposits and withdraws in the air, it comprises mobile terminal, common carrier site operating terminal, service access platform and banking platform, and wherein, mobile terminal can have the equipment of note and service access function for mobile phone or other.It also comprises a central service platform, central service platform couples together service access platform and banking platform logic banking platform and service access platform are carried out to physical isolation, the common carrier front end service system, common carrier site operating terminal is connected with the service access platform by communication line respectively with mobile terminal, the service access platform is connected with central service platform by communication line, central service platform is connected with the banking platform by internal network, mobile terminal also is connected with central service platform by communication gate, communication gate is Short Message Service Gateway.Communication line can be Wireline or radiolink, can be also common line or dedicated line.
Described central service platform comprises the logical process service module, short message service module, data are processed service module, the statistics service module, log service module and external interface service module, wherein, described logical process service module is for realizing the logical process service according to the service logic demand, it comprises for realizing the site Registering modules of site registration, for realizing the signing holder's Registering modules of depositor individual, for the trade processing module of withdrawing the money of realizing that the depositor withdraws the money and concludes the business, for realizing the credit transaction module of depositor's credit transaction, nullify module and nullify module for the holder who realizes depositor individual cancellation for the site of realizing nullifying site.
Described short message service module comprises note task distribution module for realizing the queue of corresponding note task message according to service needed and each note task being classified, for the short message service dlm (dynamic loading module) of the short message interface service of dynamic load operator, for realize SMS (Short Messaging Service) independently according to the SMS (Short Messaging Service) agreement, send SMS (Short Messaging Service) sending module and the secondary service module of service.The classification foundation of note task distribution module is: interface message comprises operator code, access code, protocol name, protocol version etc.By the note task assignment of different operators, to different internal task message queues (or internal task memory table), by each, the note of different operators sends service, detection automatically, the queue of scanning internal task, and carry out corresponding the transmission and serve.The short message service dlm (dynamic loading module) is according to local profile information, as: operator, protocol name, protocol version, operator connect parameter, internal queues title, note flow (bar/second), (configuration parameter, form need standardization to file path, realize dynamic Service), the short message interface service of this operator of dynamic load.Service loads can revise configuration file by craft, restarts short message service and realizes that new short message service module loads, and the inside story queue, realized creating, destroyed and management by Service Loader, and short message service module can only be read, revises and write.The SMS (Short Messaging Service) sending module realizes that according to mobile short message protocol independently SMS (Short Messaging Service) sends service, need to realize respectively different short message services for mobile CMPP2, CMPP3.Short message service need to be controlled according to the retransmission requesting in queue the repeating transmission of note, and the log interface that the note task that success has sent need be called loader forms log information, and deletes from the note task queue.
Further, secondary service module is for realizing the assistant system instruments such as log recording, testing service, parameter configuration.Comprise the log services submodule for demonstration that log information is classified, preservation and warehouse-in, be used to interface service, service request warehouse-in, random code service logic, external information service logic, service request that the testing service that provides whole process to pass through, the testing service submodule of single business service test and the parameter configuration submodule that carries out the visualization interface configuration for the parameters to business interface service correspondence are provided.The log services submodule is classified and is presented in the text message frame of interface log information, and file is preserved, and when the log information at interface reaches the number of setting, application is exited in the service of closing, and log information is preserved hereof; The log information warehouse-in, after log information saves as file, import log information in the log information table, in batches for follow-up log analysis, business statistics provide Back ground Information.The test function of the testing service that provides whole process to pass through, the test of single business service is provided for the service of testing service submodule docking port, service request warehouse-in, random code service logic, external information service logic, service request, for configuration, setting, commissioning staff's on-the-spot meeting, detect, the test of developer's individual module is used, and needs each corresponding independent testing service interface of service logic service.Parameter arranges submodule the parameters of business interface service correspondence is carried out to visual interface configurations, configuration information need to carry out database storage (database connection string, the local profile configuration, and provide the database configuration test function) preserve, but guarantee that the configuration information multipath is configured and adjusts.
Described data are processed service module and are comprised interface message request processing module, interface message request cache module, interface message request logging modle and information warehouse-in processing module.Described statistics service module comprises for by the period subregion, dot number, site trading volume being added up and formed the site statistics service module of statistical report form and serve service module for the money business statistics that deposits, withdraws of being added up and form statistical report form by period subnetting point to depositing, withdrawing the money trading volume; Use the WEB mode, for agricultural bank's internal statistical inquiry.Described log service module records and provides the log information query interface in detail for each log information to all operation flows, business operation.Described external interface service module comprises that site information increase module, site information deletion module, site information inquiry module, site number of registration write-back module, site number of registration enquiry module, the transaction verification module of withdrawing the money, the transaction modules of withdrawing the money, credit transaction module, holder's password modified module, inquiry into balance module, personal user nullify module and note transmission interface module.
A kind of method that bank deposits and withdraws in the air, it comprises the step of a site registration, step, the withdraw the money step of transaction and a step of a credit transaction that the client is signing:
As shown in Figure 2, the step of site registration comprises following sub-step:
S101: the trade company of wanting registering communication operator site carries I.D. and original cell phone to the common carrier business hall and signs an agreement;
S102: change SIM card according to the agreement of signing, the site information that service access platform received communication operator site operating terminal collects is also stored;
S103: service access platform invoke central service platform interface is synchronized to central service platform by the associated nets dot information;
S104: the service protocol that trade company carries I.D., sign with common carrier and change later SIM card to appointed bank, sign bank side's agreement, the banking platform gathers site information;
S105: the banking platform is initiated the identity information inquiry request of this site (trade company) to central service platform, and central service platform receives asks and return this site (trade company) identity information;
S106: the site identity information that bank's root returns according to central service platform is verified the legitimacy of this site, and completes this site user's service contracting operation in the banking platform;
S107: after contracting and operate successfully in site, banking system returns to central service platform by this site number of registration information, and the service access platform is inquired about site number of registration information by central service platform;
The service access platform also has following two step flow processs:
S108: site, after bank has contracted, is activated menu by SIM card and is carried out activation manipulation, and activation request reaches the service access platform by note in form;
S109: the service access platform issues activation instruction automatically to this site terminal, activates the service application on this SIM card, the business that site (trade company) can normally be used this to activate.
As shown in Figure 3, the signing step of client comprises following sub-step:
S201: depositor (individual) carries I.D. and cell phone to appointed bank and signs the service fulfillment agreement;
S202: bank counter is inputted individual depositor's information, and bank card is verified to (needing input bank card business dealing password), after being verified, individual depositor's information is committed to the banking platform;
S203: the banking platform is registered depositor's information inquiry (comprising: name, cell-phone number, identification card number) to central service platform;
S204: central service platform inquiry registration depositor information, if central service platform without this user's registration information register this user profile, and returns to banking platform by user type (being fixedly installed as the depositor) herein;
S205: the banking platform generates random code information, and the cell-phone number transmission random code note provided to signing depositor by central service platform, realizes that the checking to depositor's phone number is the binding of bank card and cell-phone number;
S206: signing depositor is by the random code information notification bank counter in the note of receiving;
S207: the random code Data Enter banking platform that the bank counter personnel provide the depositor, reserved or be arranged on the password of withdrawing the money of the site operating terminal of common carrier site;
S208: the random code information that the banking platform is inputted sales counter is authenticated and is the signing operation of depositor's finishing service, otherwise presenting bank sales counter phone number authentification failure, this is contracted unsuccessfully.
As shown in Figure 4, the transaction step of withdrawing the money comprises following sub-step:
S301: the depositor (individual) provide to the common carrier site information of withdrawing the money, and the information of withdrawing the money comprises the information such as depositor's cell-phone number (mobile phone of binding while contracting) and the amount of money of withdrawing the money;
S302: the depositor initiates to withdraw the money operation by the terminal device (customization SIM card) of mobile phone or customization, inputs the information of withdrawing the money on the operating terminal of common carrier site, and the information of withdrawing the money comprises: depositor's cell-phone number and the amount of money of withdrawing the money; Site operating terminal that depositor's input depositor the arranges when signing password of withdrawing the money is transferred to by the terminal device of mobile phone or customization in site, after being confirmed by the depositor, is committed to the service access platform;
S303: the service access platform is transmitted to central service platform by the Transaction Information of withdrawing the money of input message;
S304: will the be correlated with Transaction Information of withdrawing the money of central service platform is transmitted to the banking platform;
S305: bank is verified depositor's business password after receiving this Transaction Information;
S306: the banking platform is sent to central service platform by business password authentification result;
S307: central service platform is sent to the service access platform by business password authentification result, if authentication failed, the service access platform is issued to each common carrier site by failure information with short message mode;
S308: if authentication failed, central service platform is notified the depositor by short message mode; If be proved to be successful, generate the transaction random code of withdrawing the money for this transaction, and by short message mode will withdraw the money the transaction random code be handed down to the depositor; Be 5 minutes this transaction random code effective time of withdrawing the money, and the overtime transaction random code of withdrawing the money lost efficacy, and indicated this Fail Transaction, this transaction random code immediate cancel of withdrawing the money;
S309: the transaction random code of withdrawing the money that the common carrier site provides according to the depositor is above inputted at cipher input equipment (being mobile phone or custom terminal equipment), and is committed to the service access platform;
S310: the transaction random code (containing transaction journal number) of withdrawing the money that the service access platform will be received is forwarded to central service platform;
S311: central service platform is verified the transaction random code of withdrawing the money;
S312: if authentication failed, this Fail Transaction of withdrawing the money, the service access platform sends the Fail Transaction notice to the depositor; Central service platform sends the Fail Transaction notifying messages to the corresponding phone number of depositor; If be proved to be successful, central service platform is to the request that transaction carries out of initiating to withdraw the money of banking platform, and this request comprises: the information such as transaction journal number, depositor's number of registration, depositor's cell-phone number, site number of registration, site cell-phone number, the amount of money of withdrawing the money;
S313: the banking platform transaction executable operations of being withdrawn the money;
S314: the banking platform execution result of concluding the business feeds back to central service platform
;
S315: the central service platform execution result of concluding the business is handed down to the service access platform;
S316: the service access platform execution result of concluding the business is informed the common carrier site, and the central service platform execution result of concluding the business is informed the depositor with the note form.
As shown in Figure 5, the credit transaction step comprises following sub-step:
S401: depositor (individual) provides credit transaction information to site, and credit transaction information comprises depositor's name, bank's card number, cell-phone number and deposits the amount of money in;
S402: after site receives credit transaction information, by SIM cards of mobile phones menu typing credit transaction information and submit to the deposit business request to the service access platform;
S403: after the service access platform is received the deposit business request, credit transaction information is submitted to central service platform, central service platform is forwarded to the banking platform again;
S404: after the banking platform is received the credit transaction request, whether the relevant information of examining the fund side of producing and the fund side of proceeding to is legal, after confirmation is legal, completes the deposit business operation;
S405: the banking platform sends to central service platform by credit transaction result, transaction journal number;
S406: central service platform sends to the service access platform by credit transaction result, transaction journal number;
S407: the service access platform sends credit transaction note as a result after receiving the credit transaction object information to site, central service platform is informed the depositor by the credit transaction result with short message mode;
S408: site and depositor, after the transaction of receiving bank side completes note, are signed on the transaction voucher by the depositor, and credit transaction completes.
Further, the method that bank deposits and withdraws in the air also comprises the step of a site cancellation and the step that personal is nullified:
Described site is nullified step and is comprised following sub-step:
S5011: service access platform or banking platform submit to site to nullify application to central service platform, comprise cell-phone number, identification card number, number of registration;
S5012: central service platform is revised the site login state; Site exit state information can be inquired about by bank.
Service cancellation is realized by bank counter in site, needs checking cell-phone number, bank card information, identity information; Log-off message pushes to central service platform.
Described individual nullifies step and comprises following sub-step:
S6011: depositor (personal user) realizes service cancellation by site, and the service access platform is submitted individual log-off message to central service platform, comprises cell-phone number and business password;
S6012: central service platform will be nullified application and will be committed to the banking platform, and the banking platform carries out the business cipher authentication, and authentication is passed through to carry out and nullify operation, and deregistration is fed back to central service platform;
S6013: central service platform feeds back to the service access platform by deregistration;
S6014: the service access platform is sent to the depositor by deregistration.
Depositor (personal user) realizes service cancellation by bank counter, needs checking cell-phone number, bank card information and identity information.
Further, the method that bank deposits and withdraws in the air also comprises a query steps, and query steps comprises the site information inquiry sub-step of site information being inquired about according to cell-phone number, the site number of registration inquiry sub-step of the site number of registration being inquired about according to company's coding and cell-phone number, the inquiry into balance sub-step of account balance being inquired about according to company's coding and cell-phone number.
Described external interface service module comprises that site information increase interface service, site information deletion interface service, site information inquiry interface service, site number of registration write-back interface service, site number of registration query interface service, the transaction verification interface service of withdrawing the money, the transaction interface of withdrawing the money service, credit transaction interface service, the service of holder's interface for changing passwords, inquiry into balance interface service, personal user nullify interface service and the service of note transmission interface.
(1) site information increases interface service
Provide service interface (service end) by central service platform, it is synchronous that service terminal calls this Interface realization site information, and cancellation need arrive first bank's side and nullify operation;
Increase site information, transaction code: YXPT001;
Input: cell-phone number, I.D., site name, node address, area code, company's coding;
Output: stateful transaction.
(2) site information deletion interface service
Delete site information, transaction code: YXPT002;
Input: cell-phone number, I.D.;
Output: stateful transaction.
(3) site information inquiry interface service
Bank is according to cell-phone number inquiry site information interface;
According to cell-phone number inquiry site information, transaction code: YXPT003;
Input: cell-phone number;
Output: cell-phone number, I.D., site name, node address, area code, company's coding.
(4) site number of registration write-back interface service
Bank is to central service platform write-back number of registration;
According to cell-phone number write-back number of registration, transaction code: YXPT004;
Input: cell-phone number, number of registration;
Output: stateful transaction.
(5) the transaction verification interface service of withdrawing the money
Central service platform receives the information of withdrawing the money (central service platform is as service end) of service access platform, and central service platform is to the banking platform simultaneously, and business (password and relevant information) checking is concluded the business; Bank is to central service platform feedback the result information; The result information feeds back to the service access platform by central service platform; If be proved to be successful generate random code and issue the client;
The transaction verification of withdrawing the money, transaction code: YXPT006
Input: company's coding, cell-phone number, the amount of money, number of registration, business password (depositor), administrative region, site code, transaction classification;
Output: serial number, stateful transaction (being proved to be successful or failure).
(6) credit transaction interface service
The deposit information (information such as cell-phone number, number of registration) of site input is transmitted to central service platform by the service access platform; Central service platform is to banking platform submit to enter in account book transaction request receive the transaction results information of bank; By central service platform, transaction results information is fed back to the service access platform; Send the transaction results note to the depositor after Transaction Success;
Credit transaction, transaction code: YXPT008;
Input: company's coding, site number of registration, depositor's name, depositor's card number, amount deposited, depositor's cell-phone number, administrative region, site code;
Output: serial number, exchange hour, remarks, return code (Transaction Success or failure).
(7) depositor (individual) password is revised
Original code, cell-phone number, new password (foreground need to be inputted 2 times);
Central service platform is received and is issued check code;
The user could be successfully modified after informing the site identifying code.
(8) inquiry into balance interface service (only for the site client)
Inquiry into balance, transaction code: YXPT009
Input: company's coding, cell-phone number, return to classification;
Output 1(system): remaining sum, remarks, return code (Transaction Success or failure);
Output 2(note): remarks, return code (Transaction Success or failure);
Return to classification and balance amount information is turned back to the service access platform for output 1; Return to classification and send on depositor (site) mobile phone with the note form for output 2 account balance information, only return to stateful transaction to the service access platform.
(9) personal user nullifies interface service
The personal user nullifies (initiation of mobile site), transaction code: YXPT010;
Input: company's coding, cell-phone number, business password, site registration code;
Output: remarks, return code (Transaction Success or failure).
(10) note transmission interface service
To client's sending short message by mobile phone (initiate on the bank backstage), transaction code: YXPT011;
Input: cell-phone number, short message content;
Output 1: remarks, return code (Transaction Success or failure);
Output 2: to client's sending short message by mobile phone.
The risk prevention and control measure
(1) depositor's account is maintained secrecy
The depositor is in bank outlets first after transacting business, and banking system can be by depositor's identifying data information, bank's card number information of binding, trading password information storage in banking system, and generates a number of registration.
The cell phone number that banking system mandate number of registration and depositor use is bound, after binding, system is pushed to the native system business platform by this number of registration and the cell-phone number of binding, platform is when carrying out business transaction, and depositor's phone number that direct corresponding banking system is bound carries out the operation of business.
That is: do not relate to capable card number information, trading password information in native system business platform information interactive process.
(2) the site account is maintained secrecy
The site account is in bank outlets first after transacting business, banking system can be by the identifying data information of site, bank's card number information of binding, trading password information storage in banking system, and generate immediately a number of registration, the cell phone number that this number of registration and site are used is bound, after binding, system is pushed to business platform by this number of registration and the cell-phone number of binding, platform is when carrying out business transaction, and depositor's phone number that direct corresponding banking system is bound carries out the operation of business.
That is: do not relate to capable card number information, trading password information in native system business platform information interactive process.
(3) fund security of withdrawing the money
The depositor, when handling first this business, can sign a without the password payment arrangement.
The depositor is at every turn when being concluded the business, do not need to input the bank card business dealing password, while only needing input signing, set 6 figure place business are withdrawn the money voluntarily, and (this password can not be identical with client's bank card password for password, the client can carry out verification when sales counter arranges password, if identical meeting requires the client to reset).This password is preserved, is verified by bank side.If depositor's password is lost, need to carry out the password reset operation to bank counter, it is consistent with former signing flow process that it resets flow process.
That is: do not relate to bank's card number information, trading password information in native system business platform information interactive process.Also Transaction Safety liability exposure legally of service protocol simultaneously.
Claims (8)
1. the system that bank deposits and withdraws in the air, it comprises mobile terminal, common carrier site operating terminal, service access platform and banking platform, it is characterized in that: it also comprises a central service platform, central service platform couples together service access platform and banking platform logic banking platform and service access platform are carried out to physical isolation, common carrier site operating terminal is connected with the service access platform by communication line respectively with mobile terminal, the service access platform is connected with central service platform by communication line, central service platform is connected with the banking platform by internal network, mobile terminal also is connected with central service platform by communication gate,
Described central service platform comprises the logical process service module, short message service module, data are processed service module, the statistics service module, log service module and external interface service module, wherein, described logical process service module is for the treatment of aerial the deposit or the withdrawal logic, comprise the site Registering modules for the site registration, for the signing holder's Registering modules of depositor individual, the trade processing module of withdrawing the money of for the depositor, withdrawing the money and concluding the business, credit transaction module for depositor's credit transaction, the site of nullifying for site is nullified module and is nullified module for the individual holder who nullifies of depositor, described short message service module comprises note task distribution module for realizing the queue of corresponding note task message according to service needed and each note task being classified, for the short message service dlm (dynamic loading module) of the short message interface service of dynamic load operator, for realize SMS (Short Messaging Service) independently according to the SMS (Short Messaging Service) agreement, send SMS (Short Messaging Service) sending module and the secondary service module of service, described data are processed service module and are comprised interface message request processing module, interface message request cache module, interface message request logging modle and information warehouse-in processing module, described statistics service module comprises for by the period subregion, dot number, site trading volume being added up and formed the site statistics service module of statistical report form and serve service module for the money business statistics that deposits, withdraws of being added up and form statistical report form by period subnetting point to depositing, withdrawing the money trading volume, described log service module records and provides the log information query interface in detail for each log information to all operation flows, business operation, described external interface service module comprises that site information increase interface service, site information deletion interface service, site information inquiry interface service, site number of registration write-back interface service, site number of registration query interface service, the transaction verification interface service of withdrawing the money, the transaction interface of withdrawing the money service, credit transaction interface service, the service of holder's interface for changing passwords, inquiry into balance interface service, personal user nullify interface service and the service of note transmission interface.
2. the system that a kind of bank according to claim 1 deposits and withdraws in the air, it is characterized in that: described secondary service module comprises the log services submodule for demonstration that log information is classified, preservation and warehouse-in, is used to interface service, service request warehouse-in, random code service logic, external information service logic, service request that the testing service that provides whole process to pass through, the testing service submodule of single business service test and the parameter configuration submodule that carries out the visualization interface configuration for the parameters to business interface service correspondence are provided.
3. the system that a kind of bank according to claim 1 deposits and withdraws in the air is characterized in that: described communication line is Wireline or radiolink.
4. the system that a kind of bank according to claim 1 deposits and withdraws in the air is characterized in that: described communication gate is Short Message Service Gateway.
5. the system that a kind of bank according to claim 1 deposits and withdraws in the air is characterized in that: described communication line is common line or dedicated line.
6. the method that bank deposits and withdraws in the air is characterized in that: it comprises the step of a site registration, step, the withdraw the money step of transaction and a step of a credit transaction that the client is signing:
The step of described site registration comprises following sub-step:
S101: the trade company of wanting registering communication operator site carries I.D. and original cell phone to the common carrier business hall and signs an agreement;
S102: change SIM card according to the agreement of signing, the site information that service access platform received communication operator site operating terminal collects is also stored;
S103: service access platform invoke central service platform interface is synchronized to central service platform by the associated nets dot information;
S104: the service protocol that trade company carries I.D., sign with common carrier and change later SIM card to appointed bank, sign bank side's agreement, the banking platform gathers site information;
S105: the banking platform is initiated the identity information inquiry request of this site to central service platform, and central service platform receives asks and return this site identity information;
S106: the site identity information that bank's root returns according to central service platform is verified the legitimacy of this site, and completes this site user's service contracting operation in the banking platform;
S107: after contracting and operate successfully in site, banking system returns to central service platform by this site number of registration information, and the service access platform is inquired about site number of registration information by central service platform;
S108: site, after bank has contracted, is activated menu by SIM card and is carried out activation manipulation, and activation request reaches the service access platform by note in form;
S109: the service access platform issues activation instruction automatically to this site terminal, activates the service application on this SIM card;
The signing step of described client comprises following sub-step:
S201: individual depositor carries I.D. and cell phone to appointed bank and signs the service fulfillment agreement;
S202: bank counter is inputted individual depositor's information, and bank card is verified, after being verified, individual depositor's information is committed to the banking platform;
S203: the banking platform is registered depositor's information inquiry to central service platform;
S204: central service platform inquiry registration depositor information, if central service platform without this user's registration information register this user profile, and returns to the banking platform by user type;
S205: the banking platform generates random code information, and the cell-phone number transmission random code note provided to signing depositor by central service platform, realizes that the checking to depositor's phone number is the binding of bank card and cell-phone number;
S206: signing depositor is by the random code information notification bank counter in the note of receiving;
S207: the random code Data Enter banking platform that the bank counter personnel provide the depositor, reserved or be arranged on the password of withdrawing the money of the site operating terminal of common carrier site;
S208: the random code information that the banking platform is inputted sales counter is authenticated and is the signing operation of depositor's finishing service, otherwise presenting bank sales counter phone number authentification failure is contracted unsuccessfully;
The described transaction step of withdrawing the money comprises following sub-step:
S301: the depositor provides to the common carrier site information of withdrawing the money, and the information of withdrawing the money comprises depositor's cell-phone number and the amount of money of withdrawing the money;
S302: depositor's operation of initiating to withdraw the money, the input information of withdrawing the money on the operating terminal of common carrier site, and the site operating terminal arranged when input depositor is signing on the cipher input equipment password of withdrawing the money, by after depositor's confirmation, being committed to the service access platform;
S303: the service access platform is transmitted to central service platform by the Transaction Information of withdrawing the money of input message;
S304: will the be correlated with Transaction Information of withdrawing the money of central service platform is transmitted to the banking platform;
S305: bank is verified depositor's business password after receiving this Transaction Information;
S306: the banking platform is sent to central service platform by business password authentification result;
S307: central service platform is sent to the service access platform by business password authentification result, if authentication failed, the service access platform is issued to each common carrier site by failure information with short message mode;
S308: if authentication failed, central service platform is notified the depositor by short message mode; If be proved to be successful, generate the transaction random code of withdrawing the money for this transaction, and by short message mode will withdraw the money the transaction random code be handed down to the depositor;
S309: the transaction random code of withdrawing the money that site provides according to the depositor is inputted on cipher input equipment, and is committed to the service access platform;
S310: the transaction random code of withdrawing the money that the service access platform will be received is forwarded to central service platform;
S311: central service platform is verified the transaction random code of withdrawing the money;
S312: if authentication failed, this Fail Transaction of withdrawing the money, the service access platform sends the Fail Transaction notice to the depositor; Central service platform sends the Fail Transaction notifying messages to the corresponding phone number of depositor; If be proved to be successful, central service platform is initiated the request of withdrawing the money and concluding the business and carrying out to the banking platform;
S313: the banking platform transaction executable operations of being withdrawn the money;
S314: the banking platform execution result of concluding the business feeds back to central service platform
;
S315: the central service platform execution result of concluding the business is handed down to the service access platform;
S316: the service access platform execution result of concluding the business is informed the common carrier site, and the central service platform execution result of concluding the business is informed the depositor with the note form;
Described credit transaction step comprises following sub-step:
S401: the depositor provides credit transaction information to the common carrier site, and credit transaction information comprises depositor's name, bank's card number, cell-phone number and deposits the amount of money in;
S402: after the common carrier site receives credit transaction information, by SIM cards of mobile phones menu typing credit transaction information and submit to the deposit business request to the service access platform;
S403: after the service access platform is received the deposit business request, credit transaction information is submitted to central service platform, central service platform is forwarded to the banking platform again;
S404: after the banking platform is received the credit transaction request, whether the relevant information of examining the fund side of producing and the fund side of proceeding to is legal, after confirmation is legal, completes the deposit business operation;
S405: the banking platform sends to central service platform by credit transaction result, transaction journal number;
S406: central service platform sends to the service access platform by credit transaction result, transaction journal number;
S407: the service access platform sends credit transaction note as a result after receiving the credit transaction object information to the common carrier site, central service platform is informed the depositor by the credit transaction result with short message mode;
S408: site and depositor, after the transaction of receiving bank side completes note, are signed on the transaction voucher by the depositor, and credit transaction completes.
7. the method that a kind of bank according to claim 6 deposits and withdraws in the air is characterized in that: it also comprises the step of a site cancellation and the step that personal is nullified:
Described site is nullified step and is comprised following sub-step:
S501: service access platform or banking platform submit to site to nullify application to central service platform;
S502: central service platform is revised the site login state;
Described individual nullifies step and comprises following sub-step:
S601: the service access platform is submitted individual log-off message to central service platform;
S602: central service platform will be nullified application and will be committed to the banking platform, and the banking platform carries out the business cipher authentication, and authentication is passed through to carry out and nullify operation, and deregistration is fed back to central service platform;
S603: central service platform feeds back to the service access platform by deregistration;
S604: the service access platform is sent to the depositor by deregistration.
8. the method that a kind of bank according to claim 6 deposits and withdraws in the air, it is characterized in that: it also comprises a query steps, and query steps comprises the site information inquiry sub-step of site information being inquired about according to cell-phone number, the site number of registration inquiry sub-step of the site number of registration being inquired about according to company's coding and cell-phone number, the inquiry into balance sub-step of account balance being inquired about according to company's coding and cell-phone number.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013100817569A CN103198428A (en) | 2013-03-14 | 2013-03-14 | System and method for air depositing and withdrawing of bank |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013100817569A CN103198428A (en) | 2013-03-14 | 2013-03-14 | System and method for air depositing and withdrawing of bank |
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| Publication Number | Publication Date |
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| CN103198428A true CN103198428A (en) | 2013-07-10 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2013100817569A Pending CN103198428A (en) | 2013-03-14 | 2013-03-14 | System and method for air depositing and withdrawing of bank |
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| CN (1) | CN103198428A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104363111A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Third-party system access control method and device |
| CN106973078A (en) * | 2017-01-16 | 2017-07-21 | 平安银行股份有限公司 | The method and information exchange control system of business data processing |
| CN107358437A (en) * | 2017-06-26 | 2017-11-17 | 中国人民银行数字货币研究所 | The cancellation method and system of digital cash wallet |
| CN108990059A (en) * | 2017-06-02 | 2018-12-11 | 阿里巴巴集团控股有限公司 | A kind of verification method and device |
| CN113993119A (en) * | 2021-10-26 | 2022-01-28 | 中国银行股份有限公司 | Mobile phone number logout method and device based on mobile phone bank |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102663584A (en) * | 2012-04-13 | 2012-09-12 | 中国农业银行股份有限公司四川省分行 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
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Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102663584A (en) * | 2012-04-13 | 2012-09-12 | 中国农业银行股份有限公司四川省分行 | Method and system for transferring account and withdrawing deposit through mobile phone roaming |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104363111A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Third-party system access control method and device |
| CN104363111B (en) * | 2014-10-29 | 2019-05-17 | 中国建设银行股份有限公司 | A kind of control method and equipment of third party system access |
| CN106973078A (en) * | 2017-01-16 | 2017-07-21 | 平安银行股份有限公司 | The method and information exchange control system of business data processing |
| CN108990059A (en) * | 2017-06-02 | 2018-12-11 | 阿里巴巴集团控股有限公司 | A kind of verification method and device |
| CN107358437A (en) * | 2017-06-26 | 2017-11-17 | 中国人民银行数字货币研究所 | The cancellation method and system of digital cash wallet |
| CN107358437B (en) * | 2017-06-26 | 2020-08-11 | 中国人民银行数字货币研究所 | Method and system for logging off digital money wallet |
| CN113993119A (en) * | 2021-10-26 | 2022-01-28 | 中国银行股份有限公司 | Mobile phone number logout method and device based on mobile phone bank |
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Application publication date: 20130710 |