CN1464729A - Bank transaction information automatic feedback method and system - Google Patents
Bank transaction information automatic feedback method and system Download PDFInfo
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- CN1464729A CN1464729A CN 02128721 CN02128721A CN1464729A CN 1464729 A CN1464729 A CN 1464729A CN 02128721 CN02128721 CN 02128721 CN 02128721 A CN02128721 A CN 02128721A CN 1464729 A CN1464729 A CN 1464729A
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Abstract
A bank transaction information automatic self-feedback method including data acquisition workstation, data transmitting workstation and short message transmitting platform, the data acquisition workstation collects the bank transaction information and transmits according to a specific data format, then transforms the data format into mobile phone short message data format and sends it to the mobile phone or relevant devices of the bank clients. Compared with the prior art technologies, the invention can enable the clients obtain the bank transaction information in time, it has the advantage of high safety and wide range of application.
Description
Technical field
The invention relates to a kind of SMS mechanics of communication of utilizing, make bank-user pass through the system that SMS is in time grasped the method for own bank account transition information and realized this method.
Background technology
At present, bank card business dealing be except in time providing Transaction Information on agency of bank and ATM, and in the commercial network transaction of appointment, can only wait the end of month and just have bank to check out provides.Because long-term old habits and customs also do not change for the moment, this cannot see impalpable money the incompatibility electronic money; Whether whether having deducted money the time do not known in consumption more yet, and perhaps also surplus in the card at present have how much, overdraw, and perhaps whether credit card is stolen or the like.Though check sheet is arranged the end of month, untimely, this has influenced the distribution and the use of bank card to a great extent.The someone proposed a scheme afterwards, for example name is called the Chinese invention patent application (publication number CN 1100866A) of " utilizing mobile telephone to transmit the method and apparatus of its bank account information for the user ", this scheme is the data-messaging that utilizes between banking computer and the radio-paging platform computer, in computer, deposit the Pager No corresponding in user account number, being respectively the computer compilation data transmits, Data Receiving and Pager No inquiry subprogram, banking computer is after the change of the accounts on the user account number, up-to-date account information is delivered to radio-paging platform computer by data communication, propagate the mobile telephone of giving appointment then.This scheme all is sent to client's information on paging station's computer, and so a large amount of clients' confidential information flows out from bank, and confidentiality, the fail safe of data are relatively poor, and the application of mobile telephone reduces day by day, thereby influences the promotion and application of this scheme.
Summary of the invention
The object of the present invention is to provide a kind of safe and reliable bank transaction information automatic feedback method and system thereof, making full use of bank's existing equipment makes the client carry out bank transaction also as on agency of bank and ATM in the commercial network of bank's appointment with existing means of communication, all can in time provide Transaction Information, the client in the situation of knowing transaction just now after the transaction and present surplus budgetary funds on bank account at once, even embezzlement of bank card, also can in time find, reduce client's loss, this will improve client's confidence level, accomplish transparent consumption, strengthen the circulation and the usage degree of bank card, the method and the system thereof that increase economic efficiency for bank.
A kind of bank transaction information automatic feedback method is by gathering bank transaction information and it is transmitted by certain data format, this Data Format Transform being become the mobile phone short message data format to be sent on the mobile phone or same category of device of bank client again.Can realize that data transmit by related software and communications protocol, and under WINDOWS operating system, move that data bank network is shared.
The present invention can realize in the following manner: a kind of bank transaction information automatic feedback system is set, comprise that data collection task station, data send work station and note sends platform, the data collection task station is connected with the banking computer net, its data-out port is connected with the transmission work station, sends work station and is connected by dedicated data line and note transmission platform.
Customer bank Transaction Information (comprising that the client reserves the title of contact cell-phone number, the commercial point of this bank transaction, the consumption amount of money, balance etc.) is gathered at the data collection task station, be sent to data by certain data format and send work station, data send work station and convert bank transaction information to the mobile phone short message data format and transfer to note by dedicated data line and send platform, and bank client is at the bank transaction information of receiving oneself on the mobile phone or on the relevant device in the short message mode.
The present invention also can realize by mode once in such scheme: increase a Data Receiving work station, this work station is totally independent of existing banking computer net and moves outward, is arranged between data collection task station and the data transmission work station, connects with network.The data collection task station is gathered the customer bank Transaction Information and is sent to the Data Receiving work station by the communication port of certain data format by this work station, the Data Receiving work station receives storage with trading information data, data send the outgoing data of work station reading of data receiving workstation, and convert mobile phone short message to and transfer to note by dedicated data line and send platform.
For example, the client carries out bank card business dealing in the shopping center of bank's appointment, the cashier of the shopping center operation of swiping the card on bank card is swiped the card terminal; The bank card terminal of swiping the card is sent to bank to client's bank card business dealing situation by network; The record keeping that bank carries out between clients' accounts and the account of shopping center is handled; Produce customer bank card Transaction Information (comprising that the client reserves the title of contact cell-phone number, this bank card business dealing shopping center, the consumption amount of money, the interior balance of card etc.) and send the bank transaction information automatic feedback system, the bank transaction information automatic feedback system sends to the client with Transaction Information in SMS breath mode, finishes the feedback notification procedure that the client consumes situation.
The present invention compared with prior art, the client can in time obtain bank transaction information; Can in time know the surplus budgetary funds on the present bank account, the fund on the bank account flows, in order to avoid overdraw or refund in time; When embezzlement of bank card, can in time find, reduce client's loss; This will improve the confidence level of client to bank, accomplishes transparent consumption, also can strengthen the circulation and the usage degree of bank card, for bank increases economic efficiency; The present invention is by bank's Autonomous Control, and is safe, sends by note, and the scope of application is wide, helps the utilization and extention of this technical scheme.
Description of drawings
Accompanying drawing 1 is the flow chart of the embodiment of the invention 1.
Accompanying drawing 2 is the flow chart of the embodiment of the invention 2.
Accompanying drawing 3 is the topological diagram of the embodiment of the invention 1.
Accompanying drawing 4 is the topological diagram of the embodiment of the invention 2.
Accompanying drawing 5 is a Data Receiving work station flow chart of the present invention.
Accompanying drawing 6 is that data of the present invention send the work station flow chart.
Embodiment
Embodiment 1: as Fig. 1 or shown in Figure 3, be example with the bank card business dealing, the client carries out bank card business dealing in the shopping center of bank's appointment, the cashier of the shopping center operation of swiping the card on bank card is swiped the card terminal 7; The bank card terminal 7 of swiping the card is sent to bank to client's bank card business dealing situation by network; The record keeping that bank carries out between clients' accounts and the account of shopping center is handled, data collection task station 1 is gathered customer bank card Transaction Information and (is comprised that the client reserves the contact cell-phone number, the title of this bank card business dealing shopping center, the consumption amount of money, the interior balance of card etc.), send to Data Receiving work station 20 by the serial ports of certain data format by this work station, and trading information data received store in the database at this station, data transmission work station 2 reads outgoing data and one by one with after the information processing, by dedicated data line 8 Transaction Information is sent platform 3 by note and send to client's mobile phone 6.
As shown in Figure 3, for safety, data collection task station 1 is located in the banking computer net 4, Data Receiving work station 20, data send work station 2, note transmission platform 3 is independent of banking computer net 4 and is provided with outward, Data Receiving work station 20 has data collection task station 1 interface in a communication interface and the banking computer net 4 to be connected by 232 serial ports networks, and the connection between them is the one-way transmission data; The connection that Data Receiving work station 20 and data send between the work station 2 is that bilateral network connects the transmission data, data send work station 2 and link to each other by a dedicated data line and note transmission platform 3, and note sends platform 3 and by mobile base station 5 data sent to client's mobile phone 6.
Above-mentioned data collection task station 1, Data Receiving work station 20, data send work station 2 and adopt general industrial computer or server-class computers to constitute.
The device software that the present invention relates to comprises: 1, transmission software in data collection task station is located in the bank computer network, gather bank transaction information and send to Data Receiving work station (software is responsible for by bank, and bank transaction information automatic feedback method and system thereof provide communications protocol) by the serial ports of certain data format by this work station.2, Data Receiving work station receiving software is to work out with MSVB under the WINDOWS operating equipment, and database adopts the ODBC mode network of MS SQLServer database to share, and serial communication adopts serial ports event handling mode.3, data send work station and send software, be under the WINDOWS operating equipment, to work out with MSVB, database adopts the ODBC mode network of MS SQL Server database to share, adopt the regular check database, read outgoing data, information processing one by one (comprising: A, information translation is become the SMS form, B, according to international short message send stereotyped command (SMS AT command set) with short message by sending the serial ports input handset of work station, C, sending short message by mobile phone cease to the client).
Embodiment 2: as Fig. 2 or shown in Figure 4, banking computer net 4 can directly send 2 two-way connections of work station by data collection task station 1 with data, and data transmission work station 2 is connected by dedicated data line 8 bilateral networks with note transmission platform 3 realizes the object of the invention.Bank transaction information automatic feedback method and system thereof comprise that data collection task station 1, data send work station 2 and note sends platform 3, data collection task station 1 is connected with banking computer net 4, its data-out port is connected with transmission work station 2, sends work station 2 and is connected by dedicated data line 8 and note transmission platform 3.The data acquisition worker organizes station 1 and gathers the customer bank Transaction Information and send to data by the communication port that certain data format is organized the station by this worker and send the worker and organize station 2, data send work station 2 and convert this data message to the SMS form, send stereotyped command (SMS AT command set) with the serial ports input handset of short message by transmission work station 2 according to international short message.
As shown in Figure 5, be Data Receiving work station 20 workflows: at first receive data workstation 20 and start, judged whether the serial ports input then, if just carry out data analysis, write database, after having write just circulation goes back to have judged whether serial ports input; Just continue to have judged whether the serial ports input if not.
As shown in Figure 6, for data send work station 2 workflows: after at first sending data workstation 2 startups, data in the reading database, judged whether outgoing data, send if just the transaction data information translation is become mobile phone short message form input note to send platform 3, sending go back data in the reading database of just circulation; Just continue back reading database if not and judged whether outgoing data.
Embodiments of the invention are data communications of setting up between banking computer and SMS work station, and are the corresponding transfer of data of computer compilation and Data Receiving, router.In order to guarantee the safety of banking computer equipment, the bank transaction information automatic feedback system can be independent fully with existing banking computer net 4, note data by be arranged at data collection task station in the banking computer net 4 by communication port by the unidirectional Data Receiving work station 20 that sends to of certain data format.Which kind of computer equipment bank transaction information automatic feedback system and bank use irrelevant at present, no matter be WINDOWS equipment, UNIX equipment, NOVELL equipment, bank need only provide bank transaction information, and gets final product by the unidirectional bank transaction information automatic feedback system that sends to of certain data format.Short message sends short message to by dedicated data line 8 and sends platform 3.
Short message sends platform 3 and can select mobile phone, GSM Modem or the Short Message Center by dedicated data line and Mobile Network Operator to network according to service needed to constitute the transmission platform.Mobile phone adopts Nokia's series mobile phone 5110,6110 etc., or the mobile phone of other support computer note sending functions, and GSM Modem can adopt the GSM Modem of WAVECOM or Siemens.
Because the bank transaction information automatic feedback system is work operation in long-term 24 hours, so work station adopts industrial computer or server-class computers.
Below in conjunction with example, further specify design of the present invention.
Example one: certain client's first is bought 1250 yuans of some commodity values in certain department store, the credit card funded payment that client's first is issued with Construction Bank when cashier is paid the bill, the credit card that the cashier of department store takes client's first is swiped the card the machine for punching the card merchant with the Construction Bank networking, after client's first input trading password, the cashier of department store import dealing money, even if transaction has been finished.
At this moment bank draws client's first credit card number merchant's 1250 yuans on the account No. of department store by the record keeping processing mode of bank inside after receiving the bank card business dealing information of client's first and department store.
After the data collection task station collects the bank card business dealing information of client's first, according to the contact phone number of client's first reservation and bank's obligate information of department store, produce customer bank card transaction feedback information, comprise: also have capital amount etc. on the contact cell-phone telephone number of client's first, department store's title, exchange hour, dealing money, the present bank card, send to the Data Receiving work station by 232 serial ports by specified format.
The Data Receiving work station stores the information decomposition that receives in the outgoing data storehouse into after receiving the Transaction Information of serial ports, waits to be sent.
Data send work station after collecting the waiting message data, at first the waiting message data transaction is become the data format (Unicode) of SMS, by being connected the mobile phone dedicated data line on the serial ports, data are inputed to mobile phone, cease first by sending short message by mobile phone, finish the automatic feedback procedure of bank card business dealing information to the client.
Example two: certain client's first has been done bank's trust in Utilities Electric Co. and has been collected charges for electricity 320 yuan of this month electricity charge; Utilities Electric Co. submits the notice inventory of withholing to bank after the calculating electricity charge of checking meter.
At this moment bank draws 320 yuans on client's first account number on the account No. of Utilities Electric Co. by the record keeping processing mode of bank inside after receiving client's first and Utilities Electric Co.'s Transaction Information.
After the data collection task station collects the bank transaction information of client's first, according to the contact phone number of client's first reservation and bank's obligate information of Utilities Electric Co., produce customer bank transaction feedback information, comprise: also have capital amount etc. on the contact cell-phone telephone number of client's first, Utilities Electric Co.'s toll site title, exchange hour, dealing money, the present bank account, send to the Data Receiving work station by 232 serial ports by specified format.
The Data Receiving work station stores the information decomposition that receives in the outgoing data storehouse into after receiving the Transaction Information of serial ports, waits to be sent.
Data send work station after collecting the waiting message data, at first the waiting message data transaction is become the data format (Unicode) of SMS, by being connected the mobile phone dedicated data line on the serial ports, data are inputed to mobile phone, cease first by sending short message by mobile phone, finish the automatic feedback procedure of bank transaction information to the client.
Claims (14)
1, a kind of bank transaction information automatic feedback method, it is characterized in that again this Data Format Transform being become the mobile phone short message data format to be sent on the mobile phone or same category of device of bank client by gathering bank transaction information and it being transmitted by certain data format.
2, bank transaction information automatic feedback method according to claim 1 is characterized in that realizing that by related software and communications protocol data transmit that software moves under WINDOWS operating system, data bank network is shared.
3, a kind of a kind of bank transaction information automatic feedback system that is used for the described method of claim 1, comprise that data collection task station, data send work station and note sends platform, it is characterized in that the data collection task station is connected with the banking computer net, its data-out port is connected with the transmission work station, sends work station and is connected by dedicated data line and note transmission platform.
4, bank transaction information automatic feedback system according to claim 3 is characterized in that the data collection task station is arranged in the banking computer net, and transmission work station, note transmission platform are independent of the banking computer net and are provided with outward.
5, bank transaction information automatic feedback system according to claim 3, it is characterized in that the data collection task station is gathered the customer bank Transaction Information and sent to data by the communication port of certain data format by this work station sends work station, data send work station and convert this data message to the SMS form, send stereotyped command (SMS AT command set) according to international short message short message is sent platform by the communication port input note that sends work station.
6, bank transaction information automatic feedback system according to claim 3, its feature are networked in the Short Message Center of dedicated data line and Mobile Network Operator and are constituted the transmission platform.The Data Receiving work station has a communication interface to be connected with the acquisition workstation output port, has an output port to be connected with the transmission work station.
7, bank transaction information automatic feedback system according to claim 6 is characterized in that the Data Receiving work station can be totally independent of existing banking computer net and be provided with outward.
8, according to claim 3 or 6 described bank transaction information automatic feedback systems, it is characterized in that sending work station and link to each other by a dedicated data line and note transmission platform, note sends platform and by the mobile base station data is sent to client's mobile phone.
9, according to claim 3 or 6 described bank transaction information automatic feedback systems, it is characterized in that Data Receiving work station receiving software moves under WINDOWS operating system, data bank network is shared, and serial communication adopts serial ports event handling mode.
10, according to claim 3 or 6 described bank transaction information automatic feedback systems, it is characterized in that data send work station transmission software and move under WINDOWS operating system, data bank network is shared, and sends software and converts bank transaction information to the SMS form.
11, according to claim 3 or 6 described bank transaction information automatic feedback systems, it is characterized in that short message sends short message to by dedicated data line and sends platform, note sends platform and adopts mobile phone.
12,, it is characterized in that note sends platform and adopts GSM Modem according to claim 3 or 6 described bank transaction information automatic feedback systems.
13,, it is characterized in that note sends platform and adopts dedicated data line according to claim 3 or 6 described bank transaction information automatic feedback systems.
14,, it is characterized in that bank client receives own Transaction Information in bank in the short message mode on mobile phone according to claim 3 or 6 described bank transaction information automatic feedback systems.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02128721 CN1464729A (en) | 2002-06-28 | 2002-07-22 | Bank transaction information automatic feedback method and system |
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| CN02134287.3 | 2002-06-28 | ||
| CN02134287 | 2002-06-28 | ||
| CN 02128721 CN1464729A (en) | 2002-06-28 | 2002-07-22 | Bank transaction information automatic feedback method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102201143A (en) * | 2011-04-08 | 2011-09-28 | 张应刚 | Bank card transaction system and method based on real-time interaction of short-message platform |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102201143A (en) * | 2011-04-08 | 2011-09-28 | 张应刚 | Bank card transaction system and method based on real-time interaction of short-message platform |
| CN102201143B (en) * | 2011-04-08 | 2016-06-15 | 张应刚 | A kind of bank card transaction system based on SMS platform real-time interaction and method |
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