CN1564174A - Paying method and system for cell phone - Google Patents
Paying method and system for cell phone Download PDFInfo
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- CN1564174A CN1564174A CN 200410026697 CN200410026697A CN1564174A CN 1564174 A CN1564174 A CN 1564174A CN 200410026697 CN200410026697 CN 200410026697 CN 200410026697 A CN200410026697 A CN 200410026697A CN 1564174 A CN1564174 A CN 1564174A
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Abstract
The disclosed system includes server networked to bank computers, database, users' mobile phones, telecommunication system and user's handset. Through keypad pf handset, user inputs pointed number, and digital information to be sent. After validation, the user pushes a sending key. Telecommunication system transfers the said digital information to the server. After analyzing the digital information, the server makes a call to the user to answer the analyzing and processing results for the user. With phone being hung up and disconnected, transaction of bank transferred account and payment is completed.
Description
Technical field
The invention belongs to the field of paying the fees, particularly the management system of Mobile Phone Payments by network.Belong to the design of promoting the cellular service function.
Background technology
At present, cellular mobile communication constantly develops in technology and function aspects, and it is more and more general that people utilize mobile phone to exchange information.
It is 03274407.2 that the design person has proposed number of patent application on September 11st, 2003, name is called the design of " the vehicle parking management system that uses advance deposit ", after this design has been put through the number of appointment with the user with mobile phone, indicate, press the sequence number of " the advance deposit card " bought, the password that scrapes off with keyboard by automatic voice, from keyboard input sequence number, password, thereby deposit the amount of money in.This amount of money can be used to vehicle parking and pay the fees.
Though be widely used in every respect with the mode of keyboard by automatic voice indication, the instruction of input keyboard sound, indication information is not too complicated for importing, under the situation about often being used again, still need progressively import by voice prompt, and it is loaded down with trivial details that formality then seems.Be not to send signal immediately during with handset dialing, but bit digital show and deposit in the mobile phone register one by one.If find to have pushed the wrong number, can re-enter then by " cleaning " button.If it is errorless that the user confirms to dial, then can call out by " transmission key ".If in company with being imported together by " transmission key " is preceding, will reduce the indication information that to import the loaded down with trivial details of formality and make mistakes chance, to the time after connecting also accurately grasp easily by the number of page station.This using method, the design person does not temporarily retrieve relevant patent and document, but automatic paging just has been to adopt icotype; For example certain person will to look for called number be certain second of " 98765432 ", paging station's number is " 191 ", certain person dials " 19198765432 " with plain old telephone, behind closing of the circuit, reply is " the duplicate plane No. is asked on-hook; message is please left word behind signal ... ", shows to get cicada from during dialing certain person will notify from a phone call " 98765432 " of representing certain second.
Summary of the invention
The present invention overcomes the shortcoming of prior art, provides a kind of more reliable, simple and easy and be not limited to the Mobile Phone Payments system that only pays the fees for vehicle parking.The objective of the invention is to realize by following proposal:
A kind of Mobile Phone Payments method:
1) described method is the number of user in cell phone keyboard input appointment, and behind the number of appointment, the indication information that user's input is to be sent is confirmed to press the transmission key after the input correctly the user;
2) telecommunication system (4) is regarded server (1) as circuit switching exchange and is connected;
3) to transfer to the address message in the signaling of server (1) of assigned number be the indication information that the user will transmit to telecommunication system (4); Described indication information is and number be the payment of number of the account or the relevant indication of transferring accounts with this calling handset;
4) server (1) is analyzed the calling of connecting subscribers participating behind the indication information, and answers the user by analysis result with voice or specific audio frequency, notifies the user on-hook subsequently, disconnects connecting;
5) number of described appointment is the access dial that telecom operators distribute to server (1);
6) number of described appointment and the partial content in the indication information can be pre-stored in the mobile phone of particular design, select during use to access.
Described server (1) can be arranged in the bank computer net, is the accounting payment service of a tame bank computer net; Described server (1) can be arranged on outside the bank computer net, is the accounting payment service of the above bank computer net of a family; Can be provided with the cell-phone number in the described server (1) is the advance deposit registered permanent residence of number of the account.
Described with payment or transfer accounts relevant indication and described answer user's voice or audio content, when being the accounting payment service of a tame bank computer net, include:
1) indication includes from bank or credit card transfer accounts instruction, trade company's code name, the amount of money and the user cipher of gathering trade company number of the account, and the content of answer is the gathering trade company number of the account success or unsuccessful of transferring accounts;
2) indication includes the instruction of cash in banks or line of credit inquiry, and the content of answer is bank account balance or the credit card line of credit related with user mobile phone number.
Described with payment or transfer accounts relevant indication and described answer user's voice or audio content, when the accounting payment that is the above bank computer net of a family is served, also can include:
1) indication includes to transfer accounts from bank or credit card and is that instruction, the amount of money and the user cipher that with the cell-phone number is the advance deposit of number of the account, the content of answer are to transfer accounts to deposit advance deposit success or unsuccessful in;
2) for the user that an above bank account is arranged, indication also includes bank or credit card code name;
3) indicate the instruction that includes usefulness " advance deposit card " and deposit in, the sequence number of " advance deposit card ", the password that scrapes off, the content of answer is that advance deposit deposits success or unsuccessful in;
4) indication includes the instruction of inquiry advance deposit, and the content of answer is that user mobile phone number is the advance deposit remaining sum of number of the account;
5) indication includes with advance deposit transfer accounts instruction, the amount of money, trade company's code name and the user cipher of gathering trade company number of the account, and the content of answer is to accept or refusal is the service that the advance deposit of number of the account is paid the bill with user mobile phone number;
6) indication includes with advance deposit and pays the instruction of reservation service, the parameter that service item requires input, and the content of answer is that acceptance or refusal are the service of the advance deposit payment of number of the account with user mobile phone number.
Other information in described and the payment or the relevant indication of transferring accounts beyond the amount of money and the user cipher can be pre-stored in the register of mobile phone of particular design, select during use to access.Service item requires the parameter of input or other information beyond the sequence number of " advance deposit card ", the password that scrapes off or the amount of money and the user cipher in described and the payment or the relevant indication of transferring accounts, can be pre-stored in the register of mobile phone of particular design, select during use to access.
Described system includes server (1), database (2), telecommunication system (4), user's mobile phone (3), bank computer (5), trade company's computer (6).Server (1) connects telecommunication system (4), thereby and user's mobile phone (3) exchange message; Server (1) connects bank computer (5), trade company's computer (6) through network.Have the user to deposit dealing table (21) or (21a) in the described database (2), storing relevant advance deposit, line of credit information, this information is consulted or is revised with the payment or the relevant indication of transferring accounts according to described.
Mobile Phone Payments method of the present invention and system thereof can be used in multiple paying on the expense field, have made things convenient for user's operation; The chance that cell-phone number is forged or cracks also finds no stolen case at present more than low many of credit card, IC-card.
Description of drawings:
Fig. 1 is signaling network and telephone-switching network synoptic diagram
Fig. 2 calls out the Route Selection synoptic diagram of nonlocal fixed-line subscriber for the mobile subscriber
Fig. 3 inserts the structural representation of telecommunications network embodiment 1 for native system
Fig. 4 inserts the structural representation of telecommunications network embodiment 2 for native system
Fig. 5 is the Mobile Phone Payments system architecture synoptic diagram of present embodiment
Fig. 6 deposits dealing table (21) structure for the user of present embodiment
Fig. 7 deposits dealing table (21) for the user of present embodiment
Fig. 8 deposits dealing table (21a) structure for the user of present embodiment
Fig. 9 deposits dealing table (21a) for the user of present embodiment
Figure 10 is the gathering trade company code name of present embodiment---number of the account corresponding tables (22) structure
Figure 11 is the gathering trade company code name of present embodiment a---number of the account corresponding tables (22)
Figure 12 is that the advance deposit card of present embodiment is printed record sheet (23) structure
Figure 13 is that the advance deposit card of present embodiment is printed record sheet (23)
Figure 14 is advance deposit card service recorder statistical form (24) structure of present embodiment
Figure 15 is the advance deposit card service recorder statistical form (24) of present embodiment
Figure 16 is the indication information and the corresponding function declaration of present embodiment
Figure 17 is bank computer (5) the data input stream journey figure of present embodiment
Figure 18 is arranged on the interior workflow diagram of bank computer net for the server (1) of present embodiment
Figure 19 is arranged on the outer workflow diagram of bank computer net for the server (1) of present embodiment
Embodiment
The invention will be further described below in conjunction with drawings and Examples:
In telecommunications network, except transmitting subscriber information (as speech information), work for making the whole network orderlyly, also must be in the front and back of normal talking and process a lot of other the control signals of transmission.Register with management, call out and reply, cross and distinguish switching and transmitter power control or the like signal such as channel allocation required in requisite off-hook, on-hook, idle tone, busy tone, dialing, ring, ring-back and the wireless communication networks in the regular phone net, user.These are referred to as signaling with the relevant a series of control signals of communicating by letter.
Signaling be divided into two kinds a kind of be the internodal signaling of user-to-network (being called access signaling); Another kind is the signaling (being called network signal) between the network node.In ISDN net (ISDN (Integrated Service Digital Network)), access signaling is called Digital Subscriber signalling No.1 system (DDSI).In mobile communication, access signaling is meant mobile station MS to the signaling between the base station BS, and network signal is called Signaling System 7(SS-7) (SS7).The signalling system No.7 network is a separate network parallel with present public telephone network PSTN, and it is made up of three parts; Signalling point SP, signaling link and signaling branchpoint STP.
As shown in Figure 1, calling out fixed-line subscriber with the mobile subscriber is the effect that example illustrates calling procedure and signaling.Fig. 1 is made up of signaling network and telephone-switching network.Telephone-switching network by three switches, comprise end office switch (44), tandem exchange's switch (43), mobile switching centre (42), two terminals, comprise landline telephone (45), mobile phone MS (3), and junction line (link between the switch), isdn line (link between landline telephone (45) and the end office switch (44)) and wireless access links (MSC (42) is to the equivalent periodic line between the mobile phone MS (3)) are formed.
Landline telephone (45) adopts access signaling to end office switch (44), and mobile link also is to adopt between access signaling, the switch to adopt network signal (signalling system No.7).
Supposing mobile phone MS (3) customer call fixed telephone subscriber, is not to send signal immediately when the mobile subscriber dials, and is bit digital is one by one shown and deposits in the register, confirms that the errorless back of dialing by " transmission key ", calls out.Dial mode can be saved the time that takies talk channel before taking this exhaling.After the mobile phone user presses and sends key, mobile phone MS (3) is on " Random Access Channel RACH ", send " channel request " information to base station BS (41), if BS (41) receives successfully, distribute one " Dedicated Control Channel " just for this MS (3), promptly on " Access granted Channel AGCH AGCH ", send " distributing immediately " instruction to MS.MS (3) utilizes the Dedicated Control Channel DCCH and the BS that distribute to set up signaling link after receiving " distributing immediately " signaling, sends " service request " information through BS to MSC.
Through authentication, put close finishing after, Visited Location Registor VLR sends " begin insert request " to MSC (42) and replys.Then, MS (3) sends " setting up call request " to MSC (42); MSC (42) sends " calling out beginning " instruction to MS (3), and sends " channel assignment " signaling of distributing wireless traffic information to BS (3).If BS (41) has idle Traffic Channel (TCH), promptly send " channel assignment " instruction, as MS (3) when obtaining Traffic Channel, to the information of BS (41) and MSC (42) transmission " channel assignment is finished " to MS (3).
For example mobile subscriber's (comprising the roamer) calls out the on-site fixed-line subscriber of MSC (42), number is " 0755-28957833 ", it is identical with MSC (42) on-site " 755 " that beginning exhales MSC (42) to analyze " 755 ", then through the tandem exchange switch (43) of MSC (42) to the locality.If number is " 28957833 ", it not is to be the mobile phone prefix that the beginning exhales MSC (42) to analyze, then through the tandem exchange switch (43) of MSC (42) to the locality.MSC (42) sends initial address message IAM by signaling link to tandem exchange (43), end office switch (44), and after IAM arrived end office (EO) (44), end office (EO) was connected and fixed phone (45) user.After the successful connection, send SETUP message to landline telephone (45).End office (EO) (44), tandem exchange (43) send the address by signaling link to switch MSC (42) and finish message ACM, and this message shows that end office (EO) (44) has received and finishes the required routing iinformation of this calling.When landline telephone (45) off-hook was replied current calling, landline telephone sent CONNECT message to end office (EO) (44), after end office (EO) (44) receives, issued (42) response message ANM indicating calls of MSC and replied, and selected junction line is connected.After ANM arrived, MSC (42) sent CONNECT message to MS (3), and selected Traffic Channel is connected.So far the mobile subscriber converses by radio traffic channel, repeated link and B channel and fixed telephone subscriber, thereby has finished the whole handshaking procedure of MS (3) calling landline telephone (45).
Behind the end of conversation, suppose the first on-hook of landline telephone (45), it sends DISCONNET message to network, request is removed link end office switch (44) and is sent release message REL by signaling link, after the junction line that indicates use will discharge, MSC (42) receives REL message, send DISCONNECT message to MS (3) from connect; After MS (3) removes Traffic Channel, send REL message to MSC (42), MSC is with RLC (RELEASE COMPLFTE) acknowledgement messaging.After MSC (42) and tandem switch (43) are received REL, RLC replys with Release complete, in idle condition, after end office switch (44) and tandem switch (43) are received RLC, the junction line of appointment is changed to idle condition with the junction line of be sure oing appointment.End office switch (44) is sent RLE message to landline telephone after removing and connecting, and landline telephone is replied with RLC.
As shown in Figure 2, when for example mobile subscriber's (comprising the roamer) calls out the fixed-line subscriber in other places, number is " 0757-28957833 ", it is inequality with MSC (42) on-site " 755 " that beginning exhales MSC (42) to analyze " 757 ", then be connected to toll switch TS switch, continue by public fixed network.
By process illustrated in figures 1 and 2 as seen, pass to tandem switch (43) or tandem switch (43) passes in the signaling of end office switch (44) at MSC (42), include address message IAM, promptly include the dialing information of " 0755-28957833 " or " 28957833 " in the example.Can regard switch to server (1) as is connected with MSC (42) or tandem switch (43), distributed the number of specifying to give server (1) by telecom operators, for example confirm that mobile phone MS (3) user " 0755-2868-876543 " that import presses the transmission key after correct, MSC (42) or tandem switch (43) transfer to described indication information " 876543 " server (1) of assigned number " 0755-2868 " as the calling subsequent address, server (1) is analyzed indication information " 876543 ", also comprise MS (3) phone number, the calling of connecting subscribers participating then, and answer the user with voice or specific audio frequency by analysis result, notify user's on-hook subsequently, disconnect connection.The Number for access (assigned number) " 2868 " of server in the example (1) can be 3 to 8 or multidigit more, is distributed by telecom operators.
As shown in Figure 3, for the structure that system inserts telecommunications embodiment 1, form the moving exchanging center MSC (12) of the server (1) of native system by Signaling System Number 7 digital junction sound card (12) connection telecommunication system; The i.e. number of appointment of access dial of server (1) is distributed by the Mobile Network Operation merchant of telecommunication system (4).
As shown in Figure 4, for the structure that system inserts telecommunications embodiment 2, form the tandem exchange switch (43) of the server (1) of native system by Signaling System Number 7 digital junction sound card (12) connection telecommunication system; The i.e. number of appointment of access dial of server (1) is distributed by the fixed network operator of telecommunication system (4).
As shown in Figure 5, described system includes server (1), database (2), telecommunication system (4), user's mobile phone (3), bank computer (5), trade company's computer (6); Server (1) connects telecommunication system (4), thereby and user's mobile phone (3) exchange message; Server (1) connects bank computer (5), trade company's computer (6) through network, transmits the information of transferring accounts between user, bank, the trade company.
Mobile phone (3) user presses the number of importing from mobile phone (3) keyboard before the transmission key and includes the number of appointment, the indication information that will send after confirming input correctly; Telecommunication system (4) is regarded server (1) as circuit switching exchange and is connected; The address message that telecommunication system (4) transfers in the signaling of server (1) of assigned number is the indication information that the user will transmit; Described indication information is and number be the payment of number of the account or the relevant indication of transferring accounts with this calling handset; Store connecting subscribers participating in the server (1) and calling out back answer user's voice or audio content; Described voice or audio content are the subscriber-related payments of answer or transfer accounts; Server (1) is analyzed the calling of back connecting subscribers participating, answers the user voice after the analyzing and processing or Audio Reply content, notifies user's on-hook subsequently, disconnects being connected with mobile phone (3).The number of described appointment is the access dial that telecom operators distribute to server (1).
Along with the popularization of these Mobile Phone Payments system, other information in the price reduction of smart mobile phone and popularize, described and the payment or the relevant indication of transferring accounts beyond the amount of money and the user cipher can be pre-stored in the register of mobile phone of particular design, and selection accesses during use.Service item requires the parameter of input or other information beyond the sequence number of " advance deposit card ", the password that scrapes off or the amount of money and the user cipher in the described indication, can be pre-stored in equally in the register of mobile phone of particular design, selects during use to access.
Described server (1) can be arranged in the bank computer net, is the accounting payment service of a tame bank computer net, has the user to deposit dealing table (21) in the database (2), is subjected to money trade company code name---number of the account corresponding tables (22).Server (1) can be arranged on outside the bank computer net, is the accounting payment service of the above bank computer net of a family, has the user to deposit dealing table (21a) in the database (2), is subjected to money trade company code name---number of the account corresponding tables (22).Can be provided with the cell-phone number in the server (1) is the advance deposit registered permanent residence of number of the account, has the advance deposit card to print record sheet (23), advance deposit card service recorder statistical form (24) in the database (2).
Server (1) is regarded the address message in the signaling user and bank transfer, payment shopping as or is served relevant instruction and information, consults or revise the data of the interior form of described database (2).
The server hardware of native system is configured to Dell
TMPowerEdge
TM2600 servers adopt the hosting form to be placed on the machine room of telecom operators; The operating system of software arrangements is Windows 2000 Advanced server, and database adopts SQL Server2000, and server is WEB server I IS; The exploitation general technical adopts Microsoft up-to-date..NET technology, development language is C#.Database goes by ODBC (open type data connection) and bank computer (5), trade company's computer (6) swap date data.Signaling System Number 7 digital junction sound card (12) adopts model D327, is the interface board of a processing Signaling System Number 7 and voice, and single deck tape-recorder integrates 30 tunnel speech processes, 1E1 (PCM) digital relay interface; Support Signaling System Number 7 (SS7), ISDN PRI (SS1) and digital ISDN PRI (DSS1); Be connected with motherboard by the PCI groove, server (1) is connected with sound card (12) by the api interface function that Signaling System Number 7 digital junction sound card (12) supplier provides; The software that voice platform (14) in the server (1) is and sound card (12) voice are connected.
As shown in Figure 6, the user for present embodiment deposits dealing table (21) structure.
As shown in Figure 7, when server (1) was the accounting payment service of a tame bank computer net, the user deposited corresponding each user mobile phone phone number in the dealing table (21), but number of the account, cash in banks exceed overdraft limit or the line of credit of user in bank arranged.When the user send described indication information include money from bank or credit card (line of credit that can overdraw) transfer accounts to the instruction that is subjected to money trade company, when being subjected to money trade company code name, the amount of money and user cipher, system is according to user and bank or credit card issue merchant's agreement, the number of the account deduction of payment amount from bank or credit card, the gathering trade company number of the account of transferring accounts.Answer behind the connecting subscribers participating and transfer accounts successfully; If number of the account or user cipher are not right, then answer unsuccessful.
As shown in Figure 8, the user for present embodiment deposits dealing table (21a) structure.
As shown in Figure 9, when server (1) is the accounting payment service of the above bank computer net of a family, the user deposits corresponding each user mobile phone phone number in the dealing table (21a), but number of the account, bank or credit card code name, cash in banks exceed overdraft limit or the line of credit of user in more than one bank arranged.When sending described indication information, the user includes when money transferred accounts the instruction, gathering trade company code name, the amount of money, bank of gathering trade company or credit card code name and user cipher from bank or credit card (line of credit that can overdraw), system is according to user and bank or credit card issue merchant's agreement, from the bank of transit number correspondence or the number of the account deduction of credit card, transferring accounts to is subjected to money trade company number of the account payment amount.Answer behind the connecting subscribers participating and transfer accounts successfully; If number of the account and password are not right, then answer unsuccessful.Here be provided with the bank or the credit card code name of one-bit digital, Bank Account Numbers different more than can be arranged to distinguish a user.
When sending described indication information, the user includes when money transferred accounts the instruction, the amount of money, bank of user's advance deposit or credit card code name and user cipher from bank or credit card (line of credit that can overdraw), system is according to user and bank or credit card issue merchant's agreement, fund from the number of the account of the bank of transit number correspondence or credit card user's advance deposit number of the account of transferring accounts.
As shown in figure 10, be gathering trade company code name---number of the account corresponding tables (22) structure of present embodiment.
As shown in figure 11, because the number of the account form that each trade company opens an account with the bank is not necessarily suitable from the hand-set digit input, at the trade company's code name of collecting money---number of the account corresponding tables (22) lining has been listed all applications and has been accepted phone payment trade company's code name and corresponding account number.When the user sends the indication information that includes gathering trade company code name, find out corresponding account number by table (22), the fund that the user will pay is drawn this number of the account.
As shown in figure 12, print record sheet (23) structure for the advance deposit card of present embodiment.
As shown in figure 13, there is the advance deposit card to print record sheet (23) in the database (2), record the password of issuing the advance deposit card that is sold to the user, after the user buys the advance deposit card, with mobile phone send the sequence number include " advance deposit card ", during the indication information of the password that scrapes off, it is right to be used to carry out cryptographic core.If cryptographic core is to effectively, the answer behind the connecting subscribers participating is the advance deposit successful recharging, and denomination value such as handle deposits the user in and deposits in the dealing table (21a) former this registration-cancellation in advance deposit card printing record sheet (23); If cryptographic core is to failure, then answer is supplemented with money unsuccessful.
See again shown in Fig. 9 that it is number of the account that the user deposits the cell-phone number that the transmission that has in the dealing table (21a) with the user deposits the advance deposit instruction in, the advance deposit card denomination value of correspondence input password is deposited in described number of the account, as the record of user's advance deposit.When the user sent the instruction of paying with advance deposit with mobile phone, whether program had number of the account according to this mobile phone in the user deposits dealing table (21a), and the minimum balance whether amount deposited reaches regulation is differentiated its instruction validity; If check and effectively then accept its payment or service request, these expenses will be from table (21a) be deducted in user's the available advance deposit.
As shown in figure 14, be advance deposit card service recorder statistical form (24) structure of present embodiment.
As shown in figure 15, printing total charge, year month, each user of the card of a certain lot number of table (24) record buy and total, this month of depositing advance deposit behind the advance deposit card in deposit the amount of money in and add up to.The user of Fig. 9 has record (unlisted in the table) at the bottom of depositing the Amount in Total every month of " available advance deposit " of all users in the dealing table (21a).For example available advance deposit total balance in by the end of January, 2005 is 110,000 yuan, it is 100 that available advance deposit in by the end of February, 2005 adds up to balance, 000 yuan, 10,000 ten thousand yuan have been reduced, adding and depositing the advance deposit total this month in February, 2005 in is 80,000 yuan, can calculate the amount of money of consuming with advance deposit in February, 2005 is 90,000 yuan.
As shown in figure 16, be the indication information of present embodiment and the function declaration of correspondence.When native system is the accounting payment service of a tame bank computer net, can only uses wherein instruction and be the function of " 81 ", " 82 "; When native system is accounting payment when service of the above bank computer net of a family, all functions of listing in can use figure also can only be used the function that part is wherein instructed.
As shown in figure 17, bank computer (5) data input stream journey figure for present embodiment, for example certain user is at bank's registered permanent residence that has money on deposit, and applied for this bank or with the serving of this bank's networking with Mobile Phone Payments, database (2) deposit as the user of Fig. 9 dealing table (21) or (21a) in write down the number of the account of user with certain cell-phone number registration, and write down user consign money in a bank deposit or the overdraw line of credit of the registered permanent residence.When the user consigns money in a bank the deposit of the registered permanent residence or overdraw line of credit when changing, bank computer (5) is passed to database (2) to new deposit data.
As shown in figure 18, be arranged on the interior workflow diagram of bank computer net for server (1).
For example: the Number for access of certain A banker's payment system is: 234567; Certain B trade company has applied for accepting the Mobile Phone Payments shopping service, is assigned with trade company's code name: zz=232628; Certain user monarch D has applied for the Mobile Phone Payments service, has been assigned with user cipher: 654321 (can change); The payment of A banking system regulation transfers accounts to instruct: 81.
Monarch D is to B merchant purchasing hh=12, and 500 yuan commodity are with mobile-phone payment; The shop-assistant of B trade company helps monarch D, imports from monarch's D mobile phone: 234567-81-232628*12500* (being to need not input); After monarch D takes over machine check, input again: 654321 (user ciphers), press the transmission key then.
If monarch D is less than 12,500 yuan at A deposit at bank or exceed overdraft limit, the answer behind the closing of the circuit is: left fund is not enough, please deposit.Do not have demonstration with the computer of the B trade company of A bank networking, the expression transaction is unsuccessful.
If greater than 12,500 yuan, the answer behind the closing of the circuit is monarch D at A deposit at bank or exceed overdraft limit: " Transaction Success, 12,500 yuan from your account expenditure ".Show with the computer of the B trade company of A bank networking and to receive that " mmm " (monarch's D) transfers 12,500 yuan, and print Transaction Success.
Needing input user cipher 654321 in this example, is for more one deck guarantees, even mobile phone is lost, also can not pretended to be payment.
By the shop-assistant for input, be because they often operate, to " 234567 " (Number for access), " 81 " (instruction), " 232628 " (own trade company code name) skilled operation all, after seeing payment for goods " 12500 " clearly by the user at last, import the transit number (if more than one bank account is arranged) of 1 bit digital and the numeral of 4～6 user ciphers.
As previously mentioned, in the register of shop-assistant for " 234567 " (Number for access) of input and " 81 " (instruction) mobile phone that can be pre-stored in particular design, select during use to access, other data are imported in continuation again.
As shown in figure 19, be arranged on the outer workflow diagram of bank computer net for server (1).When pay some reservation service with advance deposit, for example be the berthing during paying service of parking stall, roadside because when stopping that bales catch removed 2～3 yuan in one hour, just in case lost mobile phone consumes in also can only stopping on time, lose limited, so can import user cipher.
Mobile Phone Payments method and system thereof have reduced according to voice suggestion and have keyed in the loaded down with trivial details of information and the chance of makeing mistakes successively: the Payment Methods of another stored value card be provided, great society and economic benefit prospect are arranged.
Claims (7)
1. Mobile Phone Payments method is characterized in that:
1) described method is the number of user in cell phone keyboard input appointment, and behind the number of appointment, the indication information that user's input is to be sent is confirmed to press the transmission key after the input correctly the user;
2) telecommunication system (4) is regarded server (1) as circuit switching exchange and is connected;
3) to transfer to the address message in the signaling of server (1) of assigned number be the indication information that the user will transmit to telecommunication system (4); Described indication information is and number be the payment of number of the account or the relevant indication of transferring accounts with this calling handset;
4) server (1) is analyzed the calling of connecting subscribers participating behind the indication information, and answers the user by analysis result with voice or specific audio frequency, notifies the user on-hook subsequently, disconnects connecting;
5) number of described appointment is the access dial that telecom operators distribute to server (1);
6) number of described appointment and the partial content in the indication information can be pre-stored in the mobile phone of particular design, select during use to access.
2. Mobile Phone Payments method according to claim 1 is characterized in that described server (1) can be arranged in the bank computer net, is the accounting payment service of a tame bank computer net; Described server (1) can be arranged on outside the bank computer net, is the accounting payment service of the above bank computer net of a family; Can be provided with the cell-phone number in the described server (1) is the advance deposit registered permanent residence of number of the account.
3. Mobile Phone Payments method according to claim 1 and 2 is characterized in that described with payment or transfer accounts relevant indication and described answer user's voice or audio content, include when being the accounting payment service of a tame bank computer net:
1) indication includes from bank or credit card transfer accounts instruction, trade company's code name, the amount of money and the user cipher of gathering trade company number of the account, and the content of answer is the gathering trade company number of the account success or unsuccessful of transferring accounts;
2) indication includes the instruction of cash in banks or line of credit inquiry, and the content of answer is bank account balance or the credit card line of credit related with user mobile phone number.
4. Mobile Phone Payments method according to claim 1 and 2 is characterized in that described with payment or transfer accounts relevant indication and described answer user's voice or audio content, also can include when the accounting payment that is the above bank computer net of a family is served:
1) indication includes to transfer accounts from bank or credit card and is that instruction, the amount of money and the user cipher that with the cell-phone number is the advance deposit of number of the account, the content of answer are to transfer accounts to deposit advance deposit success or unsuccessful in;
2) for the user that an above bank account is arranged, indication also includes bank or credit card code name;
3) indicate the instruction that includes usefulness " advance deposit card " and deposit in, the sequence number of " advance deposit card ", the password that scrapes off, the content of answer is that advance deposit deposits success or unsuccessful in;
4) indication includes the instruction of inquiry advance deposit, and the content of answer is that user mobile phone number is the advance deposit remaining sum of number of the account;
5) indication includes with advance deposit transfer accounts instruction, the amount of money, trade company's code name and the user cipher of gathering trade company number of the account, and the content of answer is to accept or refusal is the service that the advance deposit of number of the account is paid the bill with user mobile phone number;
6) indication includes with advance deposit and pays the instruction of reservation service, the parameter that service item requires input, and the content of answer is that acceptance or refusal are the service of the advance deposit payment of number of the account with user mobile phone number.
5. according to claim 1 or 3 described Mobile Phone Payments methods, it is characterized in that other information beyond the amount of money and user cipher in described and the payment or the relevant indication of transferring accounts, can be pre-stored in the register of mobile phone of particular design, select during use to access.
6. according to claim 1 or 4 described Mobile Phone Payments methods, it is characterized in that service item requires the parameter of input or other information beyond the sequence number of " advance deposit card ", the password that scrapes off or the amount of money and the user cipher in described and the payment or the relevant indication of transferring accounts, can be pre-stored in the register of mobile phone of particular design, select during use to access.
7. Mobile Phone Payments system, described system includes server (1), database (2), telecommunication system (4), user's mobile phone (3), bank computer (5), trade company's computer (6); Server (1) connects telecommunication system (4), thereby and user's mobile phone (3) exchange message; Server (1) connects bank computer (5), trade company's computer (6) through network; It is characterized in that having in the described database (2) user to deposit dealing table (21) or (21a), storing relevant advance deposit, line of credit information, this information is consulted or is revised with the payment or the relevant indication of transferring accounts according to described.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026697 CN1564174A (en) | 2004-04-01 | 2004-04-01 | Paying method and system for cell phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026697 CN1564174A (en) | 2004-04-01 | 2004-04-01 | Paying method and system for cell phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1564174A true CN1564174A (en) | 2005-01-12 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410026697 Pending CN1564174A (en) | 2004-04-01 | 2004-04-01 | Paying method and system for cell phone |
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| CN (1) | CN1564174A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102932560A (en) * | 2012-10-16 | 2013-02-13 | 兰捷尔智能科技有限公司 | Method for realizing relay junction and calling information extraction by using digital relay voice card |
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2004
- 2004-04-01 CN CN 200410026697 patent/CN1564174A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102932560A (en) * | 2012-10-16 | 2013-02-13 | 兰捷尔智能科技有限公司 | Method for realizing relay junction and calling information extraction by using digital relay voice card |
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