CN104182872A - Data processing system and method based on mobile communication terminal - Google Patents
Data processing system and method based on mobile communication terminal Download PDFInfo
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- CN104182872A CN104182872A CN201410374443.7A CN201410374443A CN104182872A CN 104182872 A CN104182872 A CN 104182872A CN 201410374443 A CN201410374443 A CN 201410374443A CN 104182872 A CN104182872 A CN 104182872A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention provides a data processing system and method based on a mobile communication terminal. The system comprises a data receiving unit, a message analysis unit, an instruction creating unit, a data sending unit and a data revision unit, wherein the data receiving unit is used for receiving a message through a mobile communication network; the message analysis unit is used for analyzing and obtaining a terminal identification, a data revision request or a revision conformation instruction in the received message; the instruction creating unit is used for generating a revision confirmation request according to the data revision request obtained by analysis; the data sending unit is used for sending the revision conformation request to the corresponding mobile terminal; and the data revision unit is used for executing data revision operation according to the revision conformation instruction obtained by the analysis. One mobile terminal initiates, and another mobile terminal conforms to carry out data revision, and the invention can be used for agency fund business, and has the advantages of being simple in operation and high in safety.
Description
Technical field
The present invention relates to data processing field, more particularly, relate to a kind of data handling system and method based on mobile communication terminal.
Background technology
Existing electronic fare payment system is mainly divided into following several types: on the line based on internet, under payment, the line based on POS machine, pays, and the mobile-phone payment based on smart mobile phone.
Wherein, on line, pay and exist the unsafe factors such as well-known virus and hacker attacks, and on line, pay that to need user to rely on desktop computer or notebook computer etc. not portable, or carry inconvenient operating terminal.On line, pay and be conventionally relatively applicable to paying towards the net purchase financial transaction of Online Store, and to the bank card carrying out in solid shop/brick and mortar store and relevant payment thereof, present majority is still swiped the card by the POS machine under line and indivedual smart mobile phone that possesses payment function just having come out is at present realized.And under the line based on POS machine in the modes of payments, the cost that has a POS machine equipment with and maintenance cost higher, and the volume of POS machine equipment is relatively also larger, also very heavy even if portable POS machine equipment uses.
And mobile-phone payment make consumer by mobile phone carry out scene in real time, noncontact, small amount payment become possibility, met preferably the demand of consumer to mobile payment.
But in current mobile-phone payment, for guaranteeing security, when paying both sides not at same position, need manual input user name, password could login account to carry out identity validation, need manually to input the information such as name in an account book, account, bank of deposit of beneficiary just can complete payment simultaneously.The required information of the above-mentioned modes of payments is more, and operation steps is complicated.
In addition in existing E-Payment, be all initiate and directly to beneficiary promotion expenses, pay by paying party.
Summary of the invention
The technical problem to be solved in the present invention is, for the problem of above-mentioned E-Payment inconvenience, provides a kind of data handling system and method based on mobile communication terminal.
The technical scheme that the present invention solves the problems of the technologies described above is, a kind of data handling system based on mobile communication terminal is provided, comprise data receiver unit, message parse unit, instruction creating unit, data transmission unit and data modification unit, wherein: described data receiver unit, for receive the message from mobile communication terminal by mobile communications network; Described message parse unit, confirms instruction for resolving for resolving the message of reception to obtain terminal iidentification, data modification request or modification; Described instruction creating unit, for generating according to resolving the data modification request obtaining the confirmation request of revising; Described data transmission unit, for confirming described modification request sends to corresponding mobile communication terminal; Described data modification unit, for confirming that according to resolving the modification obtaining the instruction execution data modification corresponding with described data modification request operates.
In the data handling system based on mobile communication terminal of the present invention, described system also comprises user register unit and functional check unit, wherein: described user register unit, for generating many user records and store memory storage into according to the terminal iidentification of mobile communication terminal input and corresponding identity information; Described functional check unit, in described memory storage searching terminal sign, and enabled instruction creating unit in the corresponding user record of the terminal iidentification with described message is present in described memory storage time.
In the data handling system based on mobile communication terminal of the present invention, described in each, user record comprises account data, and described terminal iidentification comprises the first sign, the second sign; Described data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Described data modification operation comprises revises the account data that identifies corresponding user record with the first sign, second.
The present invention also provides a kind of data processing method based on mobile communication terminal, comprises the following steps:
(a) by mobile communications network, from thering is the first mobile communication terminal of the first sign, receive the first message that comprises the second sign and data modification request;
(b) according to described the first sign, the second sign and data modification request, generate the second message and described the second message is sent to second mobile communication terminal with the second sign by mobile communications network, described the second message comprises the modification confirmation request corresponding with described data modification request;
(c) by mobile communications network, receive the 3rd message, and in described the 3rd message from thering is the second mobile communication terminal of the second sign and comprising while confirming that with described modification instruction is confirmed in modification corresponding to request, carries out the data modification corresponding with described data modification request and operates.
In the data processing method based on mobile communication terminal of the present invention, the method also comprises: according to the first sign of the first mobile communication terminal, the second mobile communication terminal or computer terminal input, the second sign and corresponding identity information, generate many user records and store memory storage into;
Described step (a) comprising: in described memory storage, retrieve the first sign and the second sign, and perform step (b) in being present in described memory storage with described the first sign and the corresponding user record of the second sign time.
In the data processing method based on mobile communication terminal of the present invention, described step (a) comprising: extract the first sign of the first mobile communication terminal that sends the first message, and resolve and identify the sign of second in described the first message and data modification request.
In the data processing method based on mobile communication terminal of the present invention, described in each, user record comprises account data; Described data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Described data modification operation comprises the account data of revising respective user record.
In the data processing method based on mobile communication terminal of the present invention, described first is designated the cell-phone number of the first mobile communication terminal, and described second is designated the cell-phone number of the second mobile communication terminal; Described the first message and the 3rd message are created by the application software of the first mobile communication terminal and the second mobile communication terminal respectively, and the second sign in first in described the first message sign and described the 3rd message by application software automatically from the first mobile communication terminal and or the second mobile communication terminal obtain.
In the data processing method based on mobile communication terminal of the present invention, described step (c) also comprises afterwards: after the schedule time after data modification has operated, generate and comprise the instruction of transferring accounts of producing account, proceeding to account and the amount of money, and the instruction of transferring accounts described in inciting somebody to action sends to banking system.
In the data processing method based on mobile communication terminal of the present invention, described step (c) comprises afterwards: the notification instruction of generation and data modification operational correspondence, and this notification instruction is sent to first mobile communication terminal with the first sign and second mobile communication terminal with the second sign by mobile communications network.
Data handling system and method based on mobile communication terminal of the present invention, adopts reverse transfer signal extraction mode automatically to carry out identity validation and oppositely offer confirmation, not only convenient and swift, and security is good.The present invention can be applicable to collection business, not only simple to operate, and safe.
Accompanying drawing explanation
Fig. 1 is the schematic diagram that the present invention is based on the data handling system embodiment of mobile communication terminal.
Fig. 2 is the schematic flow sheet that the present invention is based on the data processing method embodiment of mobile communication terminal.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
As shown in Figure 1, be the schematic diagram that the present invention is based on the data handling system embodiment of mobile communication terminal.The data handling system based on mobile communication terminal in this embodiment can be one or more data servers, it has mobile communications network identifier (cell-phone number for example, specifically can realize by grafting SIM cards of mobile phones) and can receive by mobile communications network the business datums such as SMS, this system comprises data receiver unit 11, message parse unit 12, instruction creating unit 13, data transmission unit 14 and data modification unit 15, above-mentioned data receiver unit 11, message parse unit 12, instruction creating unit 13, data transmission unit 14 and data modification unit 15 can be realized in conjunction with the software running on the hardware platform of data server.
Data receiver unit 11 is for receiving the message from mobile communication terminal by mobile communications network.Above-mentioned message can be from the first message of the first mobile communication terminal (this first mobile communication terminal has the first sign), from the 3rd message of the second mobile communication terminal (this second mobile communication terminal has the second sign).
Message parse unit 12 is for resolving and obtain terminal iidentification, the data modification request of the message of reception or revising and confirm instruction.The message receiving when data receiver unit 11 be during from the first message of the first mobile communication terminal, and message parse unit 12 can be resolved and be obtained second identifying and data modification request of comprising in this first message; The message receiving when data receiver unit 11 be during from the 3rd message of the second mobile communication terminal, and message parse unit 12 can be resolved and be obtained the modification confirmation instruction comprising in this second message.In addition,, while not confirming instruction containing terminal iidentification, data modification request or modification in the message that resolve message parse unit 12, abandon this message.
Instruction creating unit 13 generates according to resolving the data modification request obtaining the confirmation request of revising.Particularly, above-mentioned modification confirms that request is corresponding with data modification request.
Data transmission unit 14 is for example, for confirming that by revising request sends to corresponding mobile communication terminal (the second mobile communication terminal), so that corresponding mobile communication terminal is confirmed data modification request.Particularly, data transmission unit 14, when sending, confirms that by modification request is encapsulated as the second message and sends.
Data modification unit 15 is carried out the data modification corresponding with data modification request and is operated for confirm instruction (when receiving the 3rd message that the second mobile communication terminal returns) according to the modification resolve obtaining.
Said system also can comprise user register unit and functional check unit (can be realized by the software running on the hardware platform of data server equally), wherein: user register unit is for generating many user records and store memory storage into according to the sign of mobile communication terminal input and corresponding identity information; Functional check unit is in memory storage searching terminal sign, and enabled instruction creating unit 13 in the corresponding user record of the terminal iidentification with described message is present in described memory storage time.
The above-mentioned data handling system based on mobile communication terminal can be applicable in the E-Payment based on mobile communication terminal, now terminal iidentification can be cell-phone number, i.e. the first cell-phone number that is designated the first mobile communication terminal, second is designated the cell-phone number of the second mobile communication terminal.Accordingly, each user record in memory storage comprises account data (user record such as the first sign correspondence comprises the first sign, personal code work, user account account, other logical signals of user etc.); Data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Described data modification operation comprises the account data of revising respective user record.
As shown in Figure 2, be the schematic flow sheet that the present invention is based on the data processing method embodiment of mobile communication terminal, the method comprises the following steps:
Step S21: receive from thering is the first mobile communication terminal of the first sign the first message that comprises the second sign and data modification request by mobile communications network.In this step, can comprise the first sign of extracting the first mobile communication terminal that sends the first message, and resolve and identify the sign of second in described the first message and data modification request.
Above-mentioned the first sign can be the cell-phone number of the first mobile communication terminal, and second is designated the cell-phone number of the second mobile communication terminal; And the first message and the 3rd message are created by the application software (being mobile phone A PP) of the first mobile communication terminal and the second mobile communication terminal respectively, and the second sign in the sign of first in the first message and the 3rd message by application software automatically from the first mobile communication terminal and or the second mobile communication terminal obtain.
Certainly, in actual applications, above-mentioned the first sign and the second sign also can adopt other information to replace, and the first message and the 3rd message can be also SMS.
Step S22: generate the second message and the second message is sent to second mobile communication terminal with the second sign by mobile communications network according to the first sign, the second sign and data modification request, described the second message comprises the modification confirmation request corresponding with described data modification request.
Step S23: receive the 3rd message by mobile communications network.
Step S24: from thering is the second mobile communication terminal of the second sign and comprising while confirming that with described modification instruction is confirmed in modification corresponding to request, carries out the data modification corresponding with described data modification request and operate in described the 3rd message.
In the above-mentioned data processing method based on mobile communication terminal, also can comprise: according to the first sign of the first mobile communication terminal, the second mobile communication terminal or computer terminal input, the second sign and corresponding identity information, generate many user records and store memory storage into;
Correspondingly, in step S21, can comprise: in described memory storage, retrieve the first sign and the second sign, and with described the first sign and second identify corresponding user record be present in described memory storage in time perform step S22.
The above-mentioned data processing method based on mobile communication terminal can be applicable to the collection trusted in E-Payment, and now each user record comprises account data; Data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Data modification operation comprises the account data of revising respective user record.
In the above-mentioned data processing method based on mobile communication terminal, after step S24, comprise: the notification instruction of generation and data modification operational correspondence, and this notification instruction is sent to first mobile communication terminal with the first sign and second mobile communication terminal with the second sign by mobile communications network.
Correspondingly, after step S24, can comprise: after the schedule time after data modification has operated, (for example, after 24 hours) generate and comprise the instruction of transferring accounts of producing account, proceeding to account and the amount of money, and the instruction of transferring accounts sends to banking system.By indwelling time (being the schedule time) is set, by, pay the fund transfer and freeze in the given time, and treat that the schedule time arrives and automatically thaw, can make the security of reimbursement of expense greatly improve.
The above; be only the present invention's embodiment preferably, but protection scope of the present invention is not limited to this, is anyly familiar with in technical scope that those skilled in the art disclose in the present invention; the variation that can expect easily or replacement, within all should being encompassed in protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claim.
Claims (10)
1. the data handling system based on mobile communication terminal, it is characterized in that: comprise data receiver unit, message parse unit, instruction creating unit, data transmission unit and data modification unit, wherein: described data receiver unit, for receive the message from mobile communication terminal by mobile communications network; Described message parse unit, confirms instruction for resolving the message of reception to obtain terminal iidentification, data modification request or modification; Described instruction creating unit, for generating according to resolving the data modification request obtaining the confirmation request of revising; Described data transmission unit, for confirming described modification request sends to corresponding mobile communication terminal; Described data modification unit, for confirming that according to resolving the modification obtaining the instruction execution data modification corresponding with described data modification request operates.
2. the data handling system based on mobile communication terminal according to claim 1, it is characterized in that: described system also comprises user register unit and functional check unit, wherein: described user register unit, for generating many user records and store memory storage into according to the terminal iidentification of mobile communication terminal input and corresponding identity information; Described functional check unit, in described memory storage searching terminal sign, and enabled instruction creating unit in the corresponding user record of the terminal iidentification with described message is present in described memory storage time.
3. the data handling system based on mobile communication terminal according to claim 2, is characterized in that: described in each, user record comprises account data, and described terminal iidentification comprises the first sign, the second sign; Described data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Described data modification operation comprises revises the account data that identifies corresponding user record with the first sign, second.
4. the data processing method based on mobile communication terminal, is characterized in that: comprise the following steps:
(a) by mobile communications network, from thering is the first mobile communication terminal of the first sign, receive the first message that comprises the second sign and data modification request;
(b) according to described the first sign, the second sign and data modification request, generate the second message and described the second message is sent to second mobile communication terminal with the second sign by mobile communications network, described the second message comprises the modification confirmation request corresponding with described data modification request;
(c) by mobile communications network, receive the 3rd message, and in described the 3rd message from thering is the second mobile communication terminal of the second sign and comprising while confirming that with described modification instruction is confirmed in modification corresponding to request, carries out the data modification corresponding with described data modification request and operates.
5. the data processing method based on mobile communication terminal according to claim 4, is characterized in that: the method also comprises: according to the first sign of the first mobile communication terminal, the second mobile communication terminal or computer terminal input, the second sign and corresponding identity information, generate many user records and store memory storage into;
Described step (a) comprising: in described memory storage, retrieve the first sign and the second sign, and perform step (b) in being present in described memory storage with described the first sign and the corresponding user record of the second sign time.
6. the data processing method based on mobile communication terminal according to claim 5, it is characterized in that: described step (a) comprising: extract the first sign of the first mobile communication terminal that sends the first message, and resolve and identify the sign of second in described the first message and data modification request.
7. the data processing method based on mobile communication terminal according to claim 6, is characterized in that: described in each, user record comprises account data; Described data modification request is for first being designated beneficiary, with the second reimbursement of expense request that is designated paying party; Described data modification operation comprises the account data of revising respective user record.
8. the data processing method based on mobile communication terminal according to claim 4, is characterized in that: described first is designated the cell-phone number of the first mobile communication terminal, and described second is designated the cell-phone number of the second mobile communication terminal; Described the first message and the 3rd message are created by the application software of the first mobile communication terminal and the second mobile communication terminal respectively, and the second sign in first in described the first message sign and described the 3rd message by application software automatically from the first mobile communication terminal and or the second mobile communication terminal obtain.
9. the data processing method based on mobile communication terminal according to claim 6, it is characterized in that: described step (c) also comprises afterwards: after the schedule time after data modification has operated, generate and comprise the instruction of transferring accounts of producing account, proceeding to account and the amount of money, and the instruction of transferring accounts described in inciting somebody to action sends to banking system.
10. the data processing method based on mobile communication terminal according to claim 4, it is characterized in that: described step (c) comprises afterwards: the notification instruction of generation and data modification operational correspondence, and this notification instruction is sent to first mobile communication terminal with the first sign and second mobile communication terminal with the second sign by mobile communications network.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410374443.7A CN104182872B (en) | 2014-07-31 | 2014-07-31 | Data handling system and method based on mobile communication terminal |
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| CN201410374443.7A CN104182872B (en) | 2014-07-31 | 2014-07-31 | Data handling system and method based on mobile communication terminal |
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| CN104182872A true CN104182872A (en) | 2014-12-03 |
| CN104182872B CN104182872B (en) | 2018-03-13 |
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| CN107103545A (en) * | 2016-02-23 | 2017-08-29 | 平安科技（深圳）有限公司 | Health insurance information processing method and device |
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