CN1444163A - System having no need of using bankcard or bankbook to implement bank transaction and method - Google Patents
System having no need of using bankcard or bankbook to implement bank transaction and method Download PDFInfo
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Abstract
The present invention relates to a method for implement bank transaction by using handset, browser or telephone under the condition of that customer does not use bank card or bankbook. It includes the following steps: (1) customer uses self customer terminal computer to send instruction to bank authorization system to request bank transaction; (2). receiving customer instruction by bank authorization system, distributing authorization number to legal instruction and back feeding said authorization number to customer terminal computer; (3) inputting transaction information including authorization number to bank terminal by customer; (4). receiving the above-mentioned transaction information by bank service processing system, and implementing the transaction operation.
Description
Technical field
The present invention relates to finish the system and method for bank transaction with computing machine and network.
Background technology
High speed development along with ecommerce, with Web bank, Mobile banking and Call Center (call center) is the competition emphasis that the customer self-service service system of representative is just becoming China and foreign countries bank, each tame bank all dare not be despised, how to make good use of these emerging electronic channels, the characteristics of bringing into play them are pendulum realistic problems in face of bank of every family.
Below existing bank self-help service system is made simple analysis:
China Merchants Bank takes the lead in having released in Shenzhen domestic first " mobile banking " on March 15th, 2000, subsequently in Chongqing, 11 cities such as Beijing, Wuhan, Shanghai promote.Should " mobile banking " mainly comprise account inquiries, multi-functionally transfer accounts, multinomial management of personal money functions such as self-help charging and security service, transfer of financial resources, demand deposit that the client can be directly finishes between home currency and foreign currency remaining sum and the detailed inquiry of Recent Activity in China Merchants Bank's all-purpose card, credit card, the pass-book account, many accounts by the Global Link mobile phone interface change regularly, inquire about and pay multiple running costs such as mobile phone and pager, can also inquire about the stock market in dark, two cities, Shanghai at any time and buy and sell.
Bank of China in Beijing, 26 areas such as Tianjin, Shanghai, Shenzhen have opened mobile banking's service.Major function comprise between savings account inquiry, savings account transfer accounts, the silver card is transferred accounts, financial information inquiry, bill payment and report the loss etc. temporarily.
The National Industrial and Commercial Bank of China in Beijing, 12 provinces and cities such as Tianjin, Hebei, Shanghai, Jiangsu, Zhejiang, Fujian, Jiangxi, Shandong, Guangdong, Chongqing, Shenzhen open mobile banking in lines, other provinces and cities also will be open-minded successively.Downpaymently report the loss, apply for new business, call out services such as 95588 for the individual client provides account inquiries, the account transfer based on peony-card, the payment of paying the fees, account.Also will release the inquiry of individual savings account, the payment of transferring accounts, pay the fees successively, to the inquiry of public account and silver card transfer accounts, service such as foreign exchange trading.
Though each tame bank has successively released Mobile banking, the market reflection is general on the whole, and user's acceptance level is relatively poor, concludes main because also there is following problem in these systems:
1. can not solve spot assets, the problem of withdrawing the money;
2. the contractor is few, system complex, and seating surface is narrow.Bank needs franchised business, mobile operator collaborative development when marketing, objectively form the situation that can only could pay at the trade company place that finishes corresponding exploitation;
3. client's mobile phone is had relatively high expectations, the client need change SIM cards of mobile phones, simultaneously because bank need write the service menu of oneself in mobile phone, causes the cellphone subscriber to be difficult to inter-bank and is suitable for;
4. the form of transferring accounts and content are single, and be can not the fine client of satisfying present to being the specific needs problem of purpose with the rights and interests transfer, as limit transfer accounts, transfer accounts long term etc.
Same problem is in other services channels, as also existing among Web bank, call center (the Call Center).
Summary of the invention
In order to overcome above-mentioned deficiency, the purpose of this invention is to provide a kind of system and method that does not use bank card or bankbook to finish bank transaction, it can solve, and the client consumes in traditional trade company, the payment problem of shopping etc.; Can solve client terminal cash withdrawal problem comprehensively; Make bank can realize that it is the account of carrier that the client directly opens with the client terminal, abandon bank card and bankbook, thereby realize a kind of brand-new bank account system and method for operating thereof.
For finishing above-mentioned purpose, the technical scheme that the present invention takes is:
A kind of system that does not use bank card or bankbook to finish bank transaction, it comprises:
The plurality of client terminal is sent the instruction and the receiving feedback information of asking bank transaction for the client to banking system;
Some banking terminals are used for providing the bank transaction service to the client;
One bank's authoring system, it is connected with each client terminal by public network, is used to obtain requests transaction instruction that client terminal sends, to legal instruction assigns authorized number, this grant number is sent to this customer terminal computer;
One banking system, it is connected with each banking terminal by dedicated network, is used to obtain trading instruction and the grant number that the client sends on banking terminal, obtains client trading instruction and execution transaction movement that bank's authoring system is preserved;
Banking system is connected with the bank authoring system, constitutes banking system, has preserved client's accounts information in the banking system.
In embodiments:
Described client terminal comprises mobile phone, computing machine, landline telephone or personal digital assistant etc.;
Described banking terminal can comprise automatic cash dispenser, ATM (Automatic Teller Machine), point-of-sale terminal or self-service bank system and equipment etc.;
Described bank authoring system and banking system are computer system.
A kind of do not use bank card or bankbook that uses said system to carry out finished the method for bank transaction, the steps include:
1. the client uses the client terminal of oneself to send the instruction of request bank transaction to bank's authoring system by public network;
2. bank's authoring system receives customer instruction, gives legal instruction assigns authorized number, and feeds back on this customer terminal computer through public network;
3. the client imports the Transaction Information that comprises grant number on banking terminal;
4. banking system is finished transaction movement according to the above-mentioned Transaction Information that receives through dedicated network.
Wherein:
Described step 2. in the step of assigns authorized number comprise: bank's authoring system receives the client terminal instruction, the user at client terminal place is carried out the legitimacy of discriminated union inspection instruction; If can not pass through to differentiate or check, then refuse this transaction, otherwise preserve dependent instruction information, and be this discernible sign of request distribution bank of client.
Described step 2. in the bank authoring system when client terminal feeds back, the communication mode and the information format that adopt client terminal to support, the grant number information feedback that banking system is distributed is to client terminal.
Described step is after banking system receives client's Transaction Information in 4., and the client at banking terminal place is differentiated, the legitimacy of input information is checked.
The instruction that the 1. middle client of described step sends can comprise customer information and trading instruction information.
Described customer account for the client in bank or the regular account of opening again and uses direct that client terminal opens for application with the special account of client terminal as carrier.
Described customer account information is customer account, customer name, telephone number or customer ID sign indicating number etc.
Described transaction refers to the bank transaction that comprises enchashment, pay, transfer accounts.
Described enchashment transaction, payment transaction, money transfer transactions comprise: in transaction, by the quota transaction and the rationed exchange of amount of money restriction are set, by setting withdraw the money fixed point transaction, the transaction of fixed zone and unfixed point transaction of site limitation, by the spot transaction and the forward transaction of time limit restriction are set, and the transaction of above-mentioned restriction combined crosswise.
The present invention has solved above problems of the prior art well, has the following advantages:
At first, provided new method of payment, solved the payment problem of client in trade company's consumption, shopping etc.;
Secondly, solve client terminal cash withdrawal problem comprehensively, provided transfer account method more flexibly simultaneously;
At last, on basis of the present invention, because solved client terminal cash class transaction issues, bank can realize that it is the account of carrier that the client directly opens with the client terminal, abandon bank card and bankbook, thereby realize a kind of brand-new bank account system and method for operating thereof, after bank card, realize banking of new generation.
Outstanding being also advantageous in that of the present invention implemented simply.Bank does not need large tracts of land to update the equipment, and does not need mobile communication company update system, can independently finish system deployment and popularization rapidly.The client does not need to change SIM cards of mobile phones, does not need to install specific software in the mobile phone, does not preserve the banking menu.Still can adopt this method that its cell phone bank system is transformed to implementing based on the cell phone bank system of STK card or based on the bank of the cell phone bank system of getting online without being tethered to a cable.
Description of drawings
Fig. 1 is system architecture figure of the present invention.
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described in further detail.
Embodiment
See also Fig. 1.The main device that system of the present invention relates to is: banking terminal (BT), client terminal (CT), bank's authoring system (BA), banking system (BP).Wherein:
Banking terminal (BT) is equipment and the system that bank disposes, as automatic cash dispenser (CDM), ATM (Automatic Teller Machine) (ATM), point-of-sale terminal (POS).These equipment and system adopt network mode to be connected with banking system, and objective corpse can be asked bank service on these equipment, finish enchashment, transfer accounts, transaction such as payment.
Client terminal (CT) is client's oneself a equipment, and after bank finished relevant system development, the client can use these equipment to bank's request service.For example, cellular telephone (hereinafter to be referred as mobile phone), computing machine, telephone set, PDA(Personal Digital Assistant) etc.
Bank's authoring system (BA) is a cover computer system of bank, it is connected with each client terminal by public network, can obtain instruction (instruction etc. comprises enchashment, pays and transfer accounts) that client terminal (CT) sends, finish the inspection of instruction feasibility, confirm whether instruction can be carried out, refuse illegal instruction, be legal instruction assigns authorized number (CN), and hold instruction.
Transaction processing system (BP) is a cover computer system of bank, it is connected with each banking terminal by bank's dedicated network, can obtain instruction and grant number that the client sends at banking terminal (BT), by with the interlock of bank's authoring system (BA), confirm whether grant number correct.To correct grant number, obtain correspondence instruction and execution that bank's authoring system is preserved, finally finish the transaction movement that comprises accounting processing, cash-access, printing voucher etc.Wherein: transaction processing system is finished accounting processing, and banking terminal is finished processing such as cash-access, printing voucher.
Bank's authoring system (BA) and banking system (BP) are two flogic systems that banking is handled, and two systems may be in the actual conditions together.Bank's authoring system (BA) and banking system (BP) constitute banking system, have preserved client's accounts information in the banking system.
Above-mentioned client terminal can be mobile phone, computing machine, landline telephone or personal digital assistant etc.;
Above-mentioned banking terminal can be automatic cash dispenser, ATM (Automatic Teller Machine), point-of-sale terminal or self-service bank system and equipment etc.;
Above-mentioned bank authoring system and banking system are computer system.
The process of exchange that the inventive method is described was made up of following 4 steps:
1. the client uses client terminal (CT) to send instruction to bank's authoring system (BA);
2. after bank's authoring system (BA) is finished the customer instruction inspection, hold instruction,, and feed back on the client terminal (CT) the command assignment grant number (CN) that can carry out.
3. obtain the client of this grant number, go up the information that input comprises grant number at banking terminal (BT);
4. after banking system (BP) receives that the client goes up the information of input at banking terminal (BT), confirm whether grant number is correct.To correct mandate, from bank's authoring system (BA), obtain corresponding instruction and execution, and finally finish transaction movement (comprising accounting processing, cash-access, printing voucher etc.).
What the inventive method was emphasized is above-mentioned 4 processes.When different banks states each step on the implementation, can determine the form and the content of instruction according to specific circumstances with demand, the method of authorization check, produce the algorithm of authorization code, the mode of verification authorization code and content etc., these contents are that bank needs to consider when implementing, not as the description of the invention content.
This method is by after being decomposed into process of exchange above-mentioned four steps, not only can solve the problem that equipment that the user uses oneself carries out enchashment, transfers accounts and pays well, and expanded the function of bank service channel neatly, by transformation to Mobile banking, Web bank, call center (Call Center), bank card and related service system, finish financial innovation, provide such as mobile payment, mobile enchashment, move services such as transferring accounts, call out enchashment, online enchashment.Simultaneously, bank should formulate the raising that the related service rule promotes products innovation and bank service level according to its professional concrete performance.
Business rule mainly comprises the following aspects: operation account limitations, amount of money restriction, time restriction and loco restriction.
The determining of corresponding relation that the operation account limitations refers to client terminal (CT) and bank account carries out transaction request to prevent that the client from accessing to your account arbitrarily in terminal.
Bank can be signatory by the client, confirms the authenticity of customer account and client terminal, customer terminal computer number such as phone number bound together with number of the account, and register these information in banking system.The signatory account of client can be regular accounts such as the bankbook opened in bank of client, bank card account, also can be to be regular accounts such as the bankbook that uses client terminal newly to open, bank card, can also be for use that client terminal opens with the special account of particular terminal, as accounts such as mobile phone account, personal digital assistant account, Web bank's accounts as carrier.
After client and bank are signatory, banking system registration client's the end message and the corresponding relation of accounts information, like this, when the client passes through its client terminal (CT) when bank sends instruction, bank's authoring system (BA) is received this transaction, according to client's termination number such as phone number, just know the account that can drive.
Amount of money restriction is the most frequently used business risk control method.Bank can be limited in unexpected uncontrollable business risk in the scope that can bear by the method that single or cycle accumulative total trading limit is set.
The time limit restriction is to the grant number restriction of life cycle, also is a kind of restriction to malice conjecture grant number.The time limit restriction can be stipulated by bank, also can send when authorizing the client and specify, if do not carry out this authorized transactions in the time limit in regulation, then grant number can cease to be in force automatically, and the application of this restriction can expand immediate financial product and financial product at a specified future date.
Loco restriction be the client when request is authorized, can specify and can only conclude the business in certain locality, utilize SMS to handle cash withdrawal as the client, certain ATM (Automatic Teller Machine) (ATM) that can specify in bank goes up enchashment; The client utilizes SMS to handle the limit payment, can specify in certain particular merchant consumption.Can offer the more reduction risks of client like this, guarantee safe professional means.
Below with client terminals such as mobile phone, Computer Browser, phone be example introduce this method with and the financial product of deriving.Need to prove that after the client applied for using mobile phone, Computer Browser to operate its account, the original mode of operation of its account still can continue to use, this method does not have compulsory exclusiveness to original method.One. be the main modification that the example bank of client terminal finishes with the mobile phone:
Bank's groundwork comprises improvement or exploitation associated bank authoring system (BA), and relevant banking terminal (BT) and banking system (BP) are carried out suitable transformation, increases new trade variety.
Concerning based on the Mobile banking of SMS, bank need set up the authoring system (BA) based on SMS, is responsible for receiving and handling SMS, and the major function of this system comprises:
1. cooperate relevant customer information, receive mobile phone short message instructions, finish instruction and resolve and validity checking, as whether phone number is signatory, whether account is registered etc.
2. be responsible for to calculate grant number, the calculating of grant number is equal to instruction processings of signing, and the algorithm of generation grant number must have enough strong anti-conjecture ability, prevents illegal conjecture.
3. preserve the relation of legal instruction and grant number, carry out dependent instruction according to grant number in order to banking system.
Bank also will transform the relevant procedures of banking terminal (BT).As revise ATM (Automatic Teller Machine) (ATM) system relevant procedures, and allow the client under the situation of not inserting bank card, finish such as operations such as input grant number.Method of operating
Below introduce the bank transaction method of operating based on SMS, this method of operating is equally applicable to the mobile phone of STK card and based on the cell phone bank system of STK card.The note class of operation of personal digital assistant is similar to the SMS operation.(1). based on the quota cash withdrawal of SMS
1. the client goes up the order format that provides by bank at mobile phone (MP), writes the cash that instruction request is drawn designated amounts, utilizes SMS to send to bank.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, utilize note to send on client's mobile phone (MP).
3. the client is on ATM (Automatic Teller Machine) (ATM), and input grant number and other supplementarys (for example: customer ID, phone number, password, ID (identity number) card No., number of the account etc.) are carried out validity checking in order to bank.
4. after banking system (BP) obtains the information of client's input from ATM (Automatic Teller Machine) (ATM), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID or mobile phone, whether password is correct, whether I.D. is consistent with the number of registering in the operation account, whether the number of the account when request is authorized is consistent with the number of the account of input etc.), after inspection is passed through, carry out the transaction of grant number correspondence, finish accounting processing, and control ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances.
The quota cash withdrawal is adapted to the situation that the client clearly knows the amount of money of need withdrawing the money.(2). based on the limit cash withdrawal of SMS
1. the client goes up the order format that provides by bank at mobile phone (MP), writes instruction request and draws the cash of specifying limit, utilizes SMS to send to bank.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, utilize note to send on client's mobile phone (MP).
3. the client is on ATM (Automatic Teller Machine) (ATM) machine, and input grant number, the amount of money of withdrawing the money (must be less than or equal to limit) and other supplementarys (for example: customer ID, phone number, password, ID (identity number) card No., number of the account etc.) are carried out validity checking in order to bank.
4. after banking system (BP) obtains the information of client's input from ATM (Automatic Teller Machine) (ATM), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID or mobile phone, whether password is correct, whether I.D. is consistent with the number of registering in the operation account, whether the number of the account when request is authorized is consistent with the number of the account of input etc.), after inspection is passed through, carry out the transaction of grant number correspondence, finish accounting processing, and control ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances.
The limit cash withdrawal is fit to the inaccurate situation of knowing the amount of money of withdrawing the money of client.The client sends the request of limit cash withdrawal to bank, goes up the client in ATM (Automatic Teller Machine) (ATM) and draws the fund of its limit with interior any number.
Except above-mentioned quota limit was withdrawn the money, the client can also comprise the location information of withdrawing the money in sending instruction, as specified certain ATM (Automatic Teller Machine) (ATM) in certain place or ATM (Automatic Teller Machine) (ATM) that certain is regional to conclude the business; Can also comprise the period information of withdrawing the money in the instruction, as specifying withdraw the money between 12:00-13:00 one day.These settings can be withdrawn the money with quota, limit is withdrawn the money to intersect and used, and provides more service selection and safety guarantee to the client.(3). the payment client based on SMS can utilize SMS to finish the fund payment of consumption, shopping etc.
1. after client's consumption, the shopping, go up the order format that provides by bank, write instruction request and pay its consumption, the shopping amount of money, utilize SMS to send to bank at mobile phone (MP).
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, utilize note to send on client's mobile phone.
3. client's input grant number and other supplementarys (for example: customer ID, phone number, password, ID (identity number) card No., number of the account etc.) on point-of-sale terminal (POS) machine in consumption place carried out validity checking in order to bank.
4. after banking system (BP) obtains the information of client's input from point-of-sale terminal (POS), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID or mobile phone, whether password is correct, whether I.D. is consistent with the number of registering in the operation account, whether the number of the account when request is authorized is consistent with the number of the account of input etc.), after inspection is passed through, carry out the transaction of grant number correspondence, the amount of money of authorizing is forwarded to the collecting account of this point-of-sale terminal (POS), finish accounting processing, and control point-of-sale terminal (POS) is printed associated documents.
The payment of SMS is applicable to that the client knows the situation of its consumption, the shopping amount of money.(4). can utilize SMS to obtain the payment limit based on the limit of SMS payment client and finish consumption and payment.
1. the client by the order format that bank provides, writes the payment of instruction request limit by mobile phone (MP), utilizes SMS to send to bank.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, utilize note to send on client's mobile phone.
3. the client inputs the amount of money of grant number, real consumption, shopping and other supplementarys (for example: customer ID, phone number, password, ID (identity number) card No., number of the account etc.) are carried out validity checking in order to bank on point-of-sale terminal (POS) machine in consumption place.
4. after banking system (BP) obtains the information of client's input from point-of-sale terminal (POS), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID or mobile phone, whether password is correct, whether I.D. is consistent with the number of registering in the operation account, whether the number of the account when request is authorized is consistent with the number of the account of input etc.), after inspection is passed through, carry out the transaction of grant number correspondence, with real consumption, the amount of money of shopping forwards the collecting account of this point-of-sale terminal (POS) to, finish accounting processing, and control point-of-sale terminal (POS) is printed associated documents.
The payment of SMS limit is applicable to the inaccurate situation of knowing consumption, the shopping amount of money of client, and the client can pay any fund in limit.
The client can comprise the information of trade company in the instruction that sends to bank, set this payment instruction and can only go up execution at the point-of-sale terminal (POS) of particular merchant.(5). based on transferring accounts of SMS
Based on the various ways of having transferred accounts of mobile phone, this method is described transfers accounts is to need transferring accounts of rights and interests transfer type that payer and payee participate in.Both can be that the mobile phone client transfers accounts to the mobile phone client, also can be mobile phone client transferring accounts to other clients.
The mobile phone client transfers accounts to the mobile phone client's
1. the payer, writes instruction request the fund of designated amounts is produced by the order format that bank provides by mobile phone (MP), utilizes SMS to send to bank.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, be legal instruction assigns authorized number, and utilize note to feed back on payer's the mobile phone result.
3. after payee's number of obtaining the authorization, the order format that on mobile phone, provides by bank, write (for example: payer's phone number, the payer name etc.) instruction that comprises grant number and other supplementarys, the fund of asking to transfer accounts changes over to, utilizes SMS to send to bank.
Banking system receive the payee change instruction over to after, legitimacy to instruction (is for example checked, whether payee, payer's phone number consistent with the number of registration, payer name whether with the name unanimity of registration, authorization number whether with the number unanimity of registration etc.), after inspection is passed through, carry out the transaction of grant number correspondence, finish accounting processing, will specify fund to forward on the account payee.
The visual professional concrete condition of bank sends note to the payee when step 2, notify the payee to collect money; When step 4, send note, the payee has been received the result notification payer of fund to the payer.
The mobile phone client transfers accounts to other clients'
1. the payer, writes instruction request the fund of designated amounts is produced by the order format that bank provides by mobile phone (MP), utilizes SMS to send to bank.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, be legal instruction assigns authorized number, and utilize note to feed back on payer's the mobile phone result.
3. after payee's number of obtaining the authorization, go up the bank card that inserts oneself in ATM (Automatic Teller Machine) (ATM), and in ATM (Automatic Teller Machine) (ATM) last input grant number and other supplementarys (for example: payer's phone number, payer name, password, ID (identity number) card No., number of the account etc.), the fund of asking to transfer accounts changes over to.
4. banking system (BP) receives that the payee imports change information over to after, the legitimacy of information (is for example checked, whether payer's phone number consistent with the number of registration, whether whether payee name correct with name unanimity, the password of registration, payee account whether with the unanimity of registration, authorization number whether with the authorization number unanimity of registration etc.), after inspection is passed through, carry out the transaction of grant number correspondence, finish accounting processing, will specify fund to forward on payee's the bank card account.Two. based on the example of Computer Browser:
Based on the account operation of Computer Browser and similar based on the account operation of mobile phone, the present invention only simply introduces the application of this method based on Computer Browser.Based on the cell phone bank system of mobile phone wireless online, its class of operation is similar to the operation based on Computer Browser.(Web bank) carries out cash withdrawal based on Computer Browser:
1. the client signs in in the bank system of web of bank, and request is withdrawn the money.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, and grant number is fed back to the client by screen or mailbox.
3. the client is on ATM (Automatic Teller Machine) (ATM), and input grant number and other supplementarys (for example: customer ID, password, ID (identity number) card No., number of the account etc.) are carried out validity checking in order to bank.
4. after banking system (BP) obtains the information of client's input from ATM (Automatic Teller Machine) (ATM), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID, whether password correct, and whether I.D. consistent with the number of registering in the operation account etc.), check pass through after, carry out the transaction of grant number correspondence, finish accounting processing, and control ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances.Three. based on the example of telephone bank or call center:
The client can pass through the telephone bank or call center (Call Center) number of landline telephone, mobile phone dialing bank, finishes bank transaction.Carry out cash withdrawal based on telephone bank or call center (Call Center):
1. the client dials the telephone bank or call center (Call Center) number of bank, and according to prompting, the input information request is withdrawn the money.
2. after bank's authoring system (BA) is received instruction, carry out validity checking, and be legal instruction assigns authorized number, and use voice suggestion to give the client.
3. the client is on ATM (Automatic Teller Machine) (ATM), and input grant number and other supplementarys (for example: customer ID, password, ID (identity number) card No., number of the account etc.) are carried out validity checking in order to bank.
4. after banking system (BP) obtains the information of client's input from ATM (Automatic Teller Machine) (ATM), the legitimacy of information (is for example checked, whether grant number is asked by this customer ID, whether password correct, and whether I.D. consistent with the number of registering in the operation account etc.), check pass through after, carry out the transaction of grant number correspondence, finish accounting processing, and control ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances.
Claims (10)
1. system that does not use bank card or bankbook to finish bank transaction is characterized in that it comprises:
The plurality of client terminal is sent the instruction and the receiving feedback information of asking bank transaction for the client to banking system;
Some banking terminals are used for providing the bank transaction service to the client;
One bank's authoring system, it is connected with each client terminal by public network, is used to obtain requests transaction instruction that client terminal sends, to legal instruction assigns authorized number, this grant number is sent to this customer terminal computer;
One banking system, it is connected with each banking terminal by dedicated network, is used to obtain trading instruction and the grant number that the client sends on banking terminal, obtains client trading instruction and execution transaction movement that bank's authoring system is preserved;
Banking system is connected with the bank authoring system, constitutes banking system, has preserved client's accounts information in the banking system.
2. do not use bank card or the bankbook that uses the described system of claim 1 to carry out finished the method for bank transaction, and its characterization step is:
1. the client uses the client terminal of oneself to send the instruction of request bank transaction to bank's authoring system by public network;
2. bank's authoring system receives customer instruction, gives legal instruction assigns authorized number, and feeds back on this customer terminal computer through public network;
3. the client imports the Transaction Information that comprises grant number on banking terminal;
4. banking system is finished transaction movement according to the above-mentioned Transaction Information that receives through dedicated network.
3. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 2 is characterized in that: described step 2. in the step of assigns authorized number comprise:
Bank's authoring system receives the client terminal instruction, the user at client terminal place is carried out the legitimacy of discriminated union inspection instruction;
As if can not then refusing this transaction, otherwise store described instruction, be this discernible sign of request distribution bank of client by differentiating or checking.
4. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 2, it is characterized in that: the 2. middle bank of described step authoring system is when client terminal feeds back, the communication mode and the information format that adopt client terminal to support, the grant number information feedback that banking system is distributed is to client terminal.
5. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 2, it is characterized in that: after the 4. middle banking system of described step is received client's Transaction Information, client to the banking terminal place differentiates, the legitimacy of input information is checked.
6. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 2 is characterized in that: the instruction that the 1. middle client of described step sends comprises client identification information and trading instruction information.
7. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 6 is characterized in that: described client identification information is customer account, telephone number or customer ID sign indicating number etc.
8. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 7 is characterized in that: described customer account for the client in bank or the regular account of opening again and uses direct that client terminal opens for application with the special account of client terminal as carrier.
9. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 6 is characterized in that: described trading instruction refers to the bank transaction that comprises enchashment, pay, transfer accounts.
10. the method for not using bank card or bankbook to finish bank transaction as claimed in claim 9, it is characterized in that described enchashment, payment, money transfer transactions comprise: in transaction, by the quota transaction and the rationed exchange of amount of money restriction are set, by setting withdraw the money fixed point transaction, the transaction of fixed zone and unfixed point transaction of site limitation, by the spot transaction and the forward transaction of time limit restriction are set, and the transaction of above-mentioned restriction combined crosswise.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN02158750A CN1444163A (en) | 2002-12-26 | 2002-12-26 | System having no need of using bankcard or bankbook to implement bank transaction and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN02158750A CN1444163A (en) | 2002-12-26 | 2002-12-26 | System having no need of using bankcard or bankbook to implement bank transaction and method |
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| Publication Number | Publication Date |
|---|---|
| CN1444163A true CN1444163A (en) | 2003-09-24 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN02158750A Pending CN1444163A (en) | 2002-12-26 | 2002-12-26 | System having no need of using bankcard or bankbook to implement bank transaction and method |
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| Country | Link |
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| CN (1) | CN1444163A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101080737A (en) * | 2004-07-19 | 2007-11-28 | 亚马逊科技公司 | Automatic authorization of programmatic transactions |
| CN101159584B (en) * | 2007-11-07 | 2010-08-04 | 华为技术有限公司 | Network management system, network appliance and method of performing authorization to binary system operational instruction |
| CN102088523A (en) * | 2010-08-13 | 2011-06-08 | 庞己人 | System and method for realizing transaction by transmitting appointed data for approval before transaction |
| CN102496125A (en) * | 2011-12-21 | 2012-06-13 | 成都英黎科技有限公司 | Transferring method and system based on mobile terminal |
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN101674183B (en) * | 2009-03-19 | 2013-05-08 | 庞己人 | System and method for logging on account by using communication telephones to transmit account password |
| CN104123667A (en) * | 2013-04-24 | 2014-10-29 | 罗伯托焦里有限公司 | System and method for electronic money withdrawal |
| CN108346044A (en) * | 2017-01-25 | 2018-07-31 | 马静 | It is a kind of quickly without card authorization method by stages and system |
| CN111915285A (en) * | 2020-08-06 | 2020-11-10 | 中国工商银行股份有限公司 | Cash withdrawal method and device and electronic equipment |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
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- 2002-12-26 CN CN02158750A patent/CN1444163A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101080737B (en) * | 2004-07-19 | 2016-06-15 | 亚马逊科技公司 | The automatic authorization of programmatic transactions |
| CN101080737A (en) * | 2004-07-19 | 2007-11-28 | 亚马逊科技公司 | Automatic authorization of programmatic transactions |
| CN101159584B (en) * | 2007-11-07 | 2010-08-04 | 华为技术有限公司 | Network management system, network appliance and method of performing authorization to binary system operational instruction |
| CN101674183B (en) * | 2009-03-19 | 2013-05-08 | 庞己人 | System and method for logging on account by using communication telephones to transmit account password |
| CN102088523A (en) * | 2010-08-13 | 2011-06-08 | 庞己人 | System and method for realizing transaction by transmitting appointed data for approval before transaction |
| CN102496125A (en) * | 2011-12-21 | 2012-06-13 | 成都英黎科技有限公司 | Transferring method and system based on mobile terminal |
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102610043B (en) * | 2012-02-09 | 2015-06-24 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN104123667A (en) * | 2013-04-24 | 2014-10-29 | 罗伯托焦里有限公司 | System and method for electronic money withdrawal |
| CN108346044A (en) * | 2017-01-25 | 2018-07-31 | 马静 | It is a kind of quickly without card authorization method by stages and system |
| CN111915285A (en) * | 2020-08-06 | 2020-11-10 | 中国工商银行股份有限公司 | Cash withdrawal method and device and electronic equipment |
| CN111915285B (en) * | 2020-08-06 | 2023-09-05 | 中国工商银行股份有限公司 | Cash withdrawing method and device and electronic equipment |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
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