CN1570984A - Account prepaid system and method for bank card consumption communication network - Google Patents
Account prepaid system and method for bank card consumption communication network Download PDFInfo
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- CN1570984A CN1570984A CN 200410037042 CN200410037042A CN1570984A CN 1570984 A CN1570984 A CN 1570984A CN 200410037042 CN200410037042 CN 200410037042 CN 200410037042 A CN200410037042 A CN 200410037042A CN 1570984 A CN1570984 A CN 1570984A
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Abstract
This invention discloses an account charging system and method of credit card consume communication network. This system comprise credit card accept terminal, network connection system, topping set of bank system, host of bank system, consume information receiving, sorting and transferring system, account management system and communication service management system. This method comprising: read information and send it to consume information receiving, sorting and transferring system; inquire this consuming card and processing transfer information; calculate the volume of trade then transfer it from the account of consumer to account of operator. According to the charging volume of each account stored in the account database, it sends the command to existing communication service management system to alter the account value and charges regularly.
Description
Technical field:
The present invention relates to the data handling system of banking, relate more specifically to information processing system between bank card consumption information handling system and the communication network management system method of unifying.
Background technology:
Along with banking development, bank card be the utilization of current society more and more general with safety, convenient, fast be the transaction payment means of feature.And all orders of society is also more and more closer to the demand of communication service, and communication service is more and more tightr with combining of society.
Yet existing communication service can't combine more closely with daily life, and the difficulty of paying dues is a main bottleneck of restriction communication service development; Simultaneously, to be consumed in ratio shared in the daily expenditure of people also increasing in communication.Modern society's active demand reduces the number of times of paying dues of communication usage charges and usage charges, need be that communication service is supplemented with money by bank card consumption.
The structure and the connected mode of existing banking system are as follows:
(a) holder is as the bank card of the means of payment, and built-in information is at least ard issuers information, cardholder information, card number in the card;
(b) bank card accepting terminal, the built-in information that is used to accept described bank card and reads the bank card of being accepted, described bank card accepting terminal is built-in with the information that can identify described trade company of this terminal or placement location at least.
(c) banking system front end processor, this front end processor carry out the part pre-service to the information that the bank card accepting terminal of receiving is imported between bank card accepting terminal and banking system main frame, send transaction message.There is not the banking system front end processor in some bank card disposal systems.
(d) banking system main frame, this equipment is mainly used in the operations such as execution of bank account management, transaction message in the existing bank card disposal system.
Said system connects by disparate networks connected modes such as wire and wireless.
In the data handling system of existing banking, neither one possesses the specific row that sticks into is analyzed and judged in the bank card management system, and realizes formulating different account transfer ratios and realizing sending the device of the message function of transferring accounts according to the bank card accepting terminal; Be not used to send the device of bank card consumption information and reconciliation with operator.
The structure and the connected mode of existing business system are as follows:
Communication traffic management systems is only arranged in the existing business system, promptly exist at present as the management of communication network number of the account, charging, billing system/accounting system such as IP phone card number, mobile phone, landline telephones.
Existing business system does not connect each other, and also the professional number of the account of neither one overall system management various information sends the device of supplementing order with money to each information service management system; Also neither one and bank card management system carry out the device about bank card consumption message pick-up and reconciliation.
For example, be to disclose the message related to calls record that is used for telephone system in 5,333,184 the patent in the patent No. of the U.S., relevant different phone book keeping operation disposal route has been proposed.The patent No. in the U.S. is 5,960,411 patent in method and system that handle to buy order by communication network is disclosed, at present, two cover systems are independent separately, not according to consumer's consumption information and with think that communication account realizes supplementing with money for purpose and be connected.Therefore can not realize being embodied as purpose and the function that communication account is supplemented with money automatically by process of consumption.
Summary of the invention
The objective of the invention is at the problems referred to above, utilize the combination of bank network and information network, a kind of consumption that holds is provided after, automatically acquired information uses the bank card consumption Information Network account charging system and the method thereof of service fee.Described bank card consumption Information Network account charging system realizes by the following technical solutions, and described bank card consumption Information Network account charging system comprises:
The bank card accepting terminal, this terminal receives the go-on-go transfer system by network connection system and consumption information and is connected, the built-in information that is used to accept described bank card and reads the bank card of being accepted, described bank card accepting terminal is built-in with the information that can identify described trade company of this terminal or placement location at least;
Network connection system, this system receives between the go-on-go transfer system in bank card accepting terminal and consumption information, can be multiple network type of attachment such as wired or wireless;
The banking system front end processor, this front end processor receives between go-on-go transfer system and the banking system main frame in consumption information, is used for handling the information of existing bank card disposal system;
The banking system main frame, this main frame is connected with the banking system front end processor, is used for handling the information of existing bank card disposal system;
Consumption information receives the go-on-go transfer system, and this system and account management system preposition with banking system is connected, and is used to receive information that the bank card accepting terminal reads and the built-in information and the consumption information of the bank card accepting terminal of connection with it; How the card that inquires this consumption according to the information go-on-go that is received transfers accounts; In the account of consumption trade company, fund is transferred to the amount of money of operator's account again after calculating the account that the turnover that will be taken place changes consumption trade company over to; Reorganize and send message; Sending changed information and account checks;
Account management system, this system receives the go-on-go transfer system with consumption information and is connected, and is used to receive consumption information and receives the modification information that the go-on-go transfer system imports into; The value of supplementing amount with money is calculated and is revised in inquiry; Order is supplemented in transmission with money and account is checked;
Communication traffic management systems, this system is connected with account management system, is used for the management of communication network number of the account, charges and battalion's account.
Described consumption information receives the go-on-go transfer system and comprises:
Information receiver, this device is connected with communicator with the go-on-go inquiry unit, is used for communicator and receives the information that the bank card accepting terminal transmits into;
The go-on-go inquiry unit, this device is connected with calculation element with information receiver, and whether the card that is used for going out according to the information retrieval that is received this consumption is that needs are that its pairing one or more communication service accounts are transferred accounts;
Calculation element, this device is connected with information and packet transmission device with the go-on-go inquiry unit, if be used for this card is to belong to be the card of its pairing one or more communication service accounts, and this device is transferred to the amount of money of operator's account with fund after calculating the account that the turnover that will be taken place changes consumption trade company over to again in the account of consumption trade company;
Information and packet transmission device, this device is connected with calculation element, pen recorder and communicator, is used for sending transaction message by communicator and banking system front end processor to the bank account main frame, sends information to operator's number of the account management system;
Pen recorder, this pen recorder is checked device with go-on-go inquiry unit, information and packet transmission device and account and is connected, this device comprises specific cards database and two equipment of message accounting storer, is used for to the specific cards database operation that the message accounting storer reads and writes data;
Account is checked device, and this device is connected with pen recorder with communicator, and the account management system that is used for regular and operator carries out reconciliation;
Communicator, this communicator is connected with said apparatus, is used to realize that consumption information receives communicating by letter between go-on-go transfer system and banking system front end processor, bank card accepting terminal and the operator's account management system.
Described account management system comprises:
Information receiver, this device are supplemented device with money with communicator and inquiry calculating and are connected, and are used for receiving consumption information by communicator and receive the modification information that the go-on-go transfer system imports into.
Inquiry is calculated and is supplemented device with money, this device is connected with communicator, information receiver and pen recorder, is used to inquire about the account data storehouse, finds the pairing communication service account of modification information, and calculate the needed amount of supplementing with money of each information service number of the account, revise the value of supplementing amount with money;
Supplement the order dispensing device with money, this device is connected with pen recorder with communicator, be used for finding the communication traffic management systems of each contained number of the account correspondence of account data storehouse, according to the volume of supplementing with money of each contained in account data storehouse number of the account, regularly send the instruction of revising the account value to the existing communication business management system;
Account is checked device, and this device is connected with pen recorder with communicator, is used to make the account management system of operator regularly to carry out reconciliation with communication traffic management systems and consumption information reception go-on-go transfer system;
Pen recorder, this pen recorder calculates and supplements device with money, supplements with money the order dispensing device and checks device with account and be connected with inquiry, this device comprises account data storehouse, two equipment of message accounting storer, is used for to the number of the account database operation that the message accounting storer reads and writes data;
Communicator, this communicator is connected with said apparatus, is used to realize that consumption information receives the go-on-go transfer system and communication traffic management systems communicates.
Described bank card consumption Information Network account charging method is in bank card consumption Information Network account charging system, can be after the holder holds and consumes with the method for bank card consumption Information Network account charging, and described method comprises the steps:
The built-in information and the consumption information of information that reception bank card accepting terminal reads and the bank card accepting terminal that connects with it;
By network connection system, described information is sent to consumption information receives the go-on-go transfer system;
This consumption information receives go-on-go transfer system and inquires the capable information of transferring accounts of sticking into of this consumption according to the information go-on-go that is received;
In the account of consumption trade company, fund is transferred to the amount of money of operator's account again after calculating the account that the turnover that will be taken place changes consumption trade company over to, and this amount information is sent to the banking system main frame;
This system is treated transaction message to the output information of banking system main frame, in processing, the transaction message form is constant, and whether the money transfer transactions amount of money in the message and the account that changes over to, produces belong to the card that needs transfer accounts for its pairing one or more communication service accounts according to this bank card is determined to reorganize and the transmission message;
When sending message, consumption information receives the go-on-go transfer system and writes down the information of transferring accounts, and communicates by letter with the account management system of operator, sends changed information;
According to the volume of supplementing with money of each contained in account data storehouse number of the account, regularly send the instruction of revising the account value to the existing communication business management system;
The above-mentioned process of supplementing with money will write down and count day-to-day account automatically, and regular and communication traffic management systems reconciliation is carried out account with consumption information reception go-on-go transfer system and checked.
Described reorganization and transmission message further comprise: if belong to, then former transaction message being reorganized is two groups of messages, one group is to require will to consume in the account of consumption card correspondence in the account that the amount of money fully changes the consumption place over to, and another group message requires consume the amount of money that account interior process aforementioned calculation in place draws and changes in the account of operator; If not, then only send one group of message, require in the account of consumption card correspondence, will consume the amount of money and fully change in the account in consumption place.
The content of described changed information comprises: bank card number changes the amount of money of operator's account over to, trade company number.
Described number of the account comprises IP phonecard card number, IP phone registered user's number of the account, Mobile Directory Number, fixed telephone number, Email, GID and all kinds of professional number of the account of its various types of communication of supplementing with money that can be.
Native system has solved problem separate between original bank card system and communication network management system, realized information mutual communication, resource sharing between two systems by interconnected between system and a cover information transfer management mechanism, the bank card consumption communications network system of having realized robotization is the process that number of the account is supplemented with money, thereby has developed bank card purposes more widely.
Followingly specific embodiments of the present invention is made a detailed description, can understand technical scheme of the present invention and advantage better with reference to accompanying drawing.
Description of drawings
Fig. 1 is a bank card consumption Information Network account charging system johning knot composition;
Fig. 2 is that consumption information receives go-on-go transfer system structural drawing;
Fig. 3 is the workflow diagram that consumption information receives the go-on-go transfer system;
Fig. 4 is the account management system structural drawing;
Fig. 5 is account data library structure figure;
Fig. 6 is the account management system workflow diagram.
Embodiment
Fig. 1 is a bank card consumption Information Network account charging system johning knot composition.As shown in Figure 1, this system comprises:
Bank card accepting terminal 5, this terminal receives go-on-go transfer system 1 by network connection system 4 and consumption information and is connected, the built-in information that is used to accept described bank card and reads the bank card of being accepted, described bank card accepting terminal is built-in with the information that can identify described trade company of this terminal or placement location at least;
Network connection system 4, this system receives between the go-on-go transfer system 1 in bank card accepting terminal 5 and consumption information, can be multiple network type of attachment such as wired or wireless;
Banking system front end processor 7, this front end processor receives between go-on-go transfer system 1 and the banking system main frame 2 in consumption information, is used for handling the information of existing bank card disposal system;
Banking system main frame 2, this main frame is connected with banking system front end processor 7, is used for handling the information of existing bank card disposal system;
Consumption information receives go-on-go transfer system 1, and this system is connected with banking system front end processor 7 and account management system 3, is used to receive information that bank card accepting terminal 5 reads and the built-in information and the consumption information of the bank card accepting terminal of connection with it; How the card that inquires this consumption according to the information go-on-go that is received transfers accounts; In the account of consumption trade company, fund is transferred to the amount of money of operator's account again after calculating the account that the turnover that will be taken place changes consumption trade company over to; Reorganize and send message; Sending changed information and account checks;
Account management system 3, this system receives go-on-go transfer system 1 with consumption information and is connected, and is used to receive consumption information and receives the modification information that the go-on-go transfer system imports into; The value of supplementing amount with money is calculated and is revised in inquiry; Order is supplemented in transmission with money and account is checked;
Communication traffic management systems 6-1-6-n, this system is connected with account management system 3, is used for the management of communication network number of the account, charges and battalion's account.
Total system principle of work of the present invention is as follows:
1, bank card accepting terminal 5 receives bank card information, and according to routine by network connection system 4, the connection device that comprises all kinds of banking systems such as wired, wireless and terminal), transmit the bank card information handled through the bank card receiving system (comprising relevant informations such as bank card number, user cipher, serial number, terminal number, trade company number, batch number).This processing procedure is identical with transport process with the processing of common bank card accepting terminal, and the information of handling is also identical with the information that common bank card was handled through the bank card accepting terminal.
2, the above-mentioned bank card information of handling through the bank card receiving system is sent to consumption information and receives go-on-go transfer system 1.
3, consumption information receives go-on-go transfer system 1 and filter out the card number of this consumption and trade company number from above-mentioned information.At first detect this card number and whether belong to the card category that supplement with money for its pairing communication network number of the account, if do not belong to, then system sends the instruction of once transferring accounts prime information is sent to bank account main frame 2 by banking system front end processor 7, carry out the normal flow process of transferring accounts of consuming, the realization user account is transferred accounts to trade company's number of the account, and the amount of money of transferring accounts is the amount of money that the user consumed.
4 otherwise, system number calculates the ratio of transferring accounts of this trade company's correspondence according to trade company, send to bank account main frame 2 by sending the information that the instruction of transferring accounts for twice will handle by banking system front end processor 7, carry out the twice consumption flow process of transferring accounts, once being user account to the transferring accounts of trade company's number of the account, once is trade company's number of the account transferring accounts to operator's number of the account.Simultaneously, consumption information receives go-on-go transfer system 1 with the record information of transferring accounts, and communicate by letter with the account management system 3 of operator, transmission " modification information ", and " modification information " content comprises: bank card number changes the amount of money of operator's account over to, trade company number.The recording gauge of transferring accounts is gone into day-to-day account, and regularly (can set or arrange) carries out reconciliation with the account management system 3 of operator.
5, the account management system 3 of operator finds its corresponding communication account information according to " modification information " pairing card number in account management system; According to priority preset or allocation proportion, find one or more communication account number, the amount of money that changes operator's account over to is obtained each communication account correspondence " should supplement with money " through certain algorithm, it is counted in the database of communication number of the account system.
6, the account management system 3 of operator will regularly be retrieved the different pairing value of communication account information in the database of communication number of the account system, and be submitted to the modification of carrying out the amount of money in the account in the management system of existing various types of communication account.
Fig. 2 is that consumption information receives go-on-go transfer system structural drawing.As shown in Figure 2, described consumption information reception go-on-go transfer system further comprises:
Information receiver 101 is used to receive the information that the bank card accepting terminal transmits into.
Go-on-go inquiry unit 102, whether the card that goes out this consumption according to the information retrieval that is received is that needs are that its pairing one or more communication service accounts are transferred accounts.
Calculation element 103, if be used for this card is to belong to be the card of its pairing one or more communication service accounts, and system accounting is transferred to the amount of money of operator's account with fund after calculating the account that the turnover that will be taken place changes consumption trade company over to again in the account of consumption trade company.
Information and packet transmission device 104 are used for sending transaction message to banking system main frame 2 (can pass through the banking system front end processor therebetween), to operator's number of the account management system 3 transmission information.Output information to banking system main frame 2 is treated transaction message, in processing, transaction message form constant (standard is the ISO8583 form), the money transfer transactions amount of money in the message and changing over to, whether the number of the account that produces belongs to the card that needs transfer accounts for its pairing one or more communication service accounts according to this bank card is determined, if, then former transaction message being reorganized is two groups of messages, one group is to require will to consume in the account of consumption card correspondence in the account that the amount of money fully changes the consumption place over to, and another group message requires consume the amount of money that account interior process aforementioned calculation in place draws and changes in the account of operator; If not, then only send one group of message, require in the account of consumption card correspondence, will consume the amount of money and fully change in the account in consumption place.When sending message, the account management system transmission " modification information " to operator." modification information " content comprises: bank card number changes the amount of money of operator's account over to, trade company number.
Pen recorder 105 comprises the specific cards database, two equipment of message accounting storer.This device is used for specific cards database 1051, the operation that message accounting storer 1052 reads and writes data.Specific cards database 1051 records the card number of specific cards, be used to write down the card number record that belongs to the card that to transfer accounts for its pairing one or more communication service accounts, whether belong to the card that to transfer accounts for its pairing one or more communication service accounts so that determine the card information that sends by the bank card accepting terminal at every turn by the go-on-go inquiry unit; The message accounting storer, the content that is used for the each transaction message that will be initiated by " information and packet transmission device " counts day-to-day account, so that call by " information and packet transmission device ", the account management system of operator transmits " modification information ", call by " account is checked device ", carry out reconciliation with the account management system of operator.
Account is checked device 106, and the account management system 3 that is used for regular (can set or arrange) and operator carries out reconciliation.
Communicator 107, be used for the communicating by letter of banking system front end processor 107 (in the banking system that does not have the banking system front end processor with the direct communication of banking system management host), with bank card accepting terminal 5 communicate by letter and with the communicating by letter of operator's account management system.
Fig. 3 is the workflow diagram that consumption information receives the go-on-go transfer system.As shown in Figure 3, according to the present invention, the principle of work of " consumption information receives the go-on-go transfer system " is as follows:
Information receiver 101 receives " consumption information " that the bank card accepting terminal transmit into, and the information content is for comprising " card number, accepting terminal number, consume the amount of money " at least.This information sends go-on-go inquiry unit 102 to, and whether go-on-go inquiry unit 102 utilizes pen recorder 105 according to " card number " in the information that is received is the card that need transfer accounts for its pairing one or more communication service accounts at the card that retrieves this consumption.If, then " consumption information " special Data Labels is made marks, to show that this card is the card that need transfer accounts for its pairing one or more communication service accounts, " consumption information " sent to calculation element 103, and whether calculation element is judged this card according to the special data sign of " consumption information " and is belonged to and need be the card of its pairing one or more communication service accounts.Need be the card of its pairing one or more communication service accounts if belong to, then calculate after the account that the turnover that will be taken place changes consumption trade company over to again the amount of money that fund is transferred in the account of consumption trade company operator's account according to " accepting terminal number " corresponding algorithm in " consumption information " by calculation element 103.Different " accepting terminal number " corresponding different algorithm.After calculating finishes result of calculation is write in the information of importing in " consumption information " and the packet transmission device 104." information and packet transmission device " generates the standard format transaction message (ISO8583 form) that is used to transfer accounts, content in " consumption information " that " amount of money of transferring accounts; and change over to; the number of the account that produces " information in the message will be revised by calculation element 103 determines, promptly whether this card belongs to and need be the card of its pairing one or more communication service accounts, if, then former transaction message being reorganized is two groups of messages, one group is to require will to consume in the account of consumption card correspondence in the account that the amount of money fully changes the consumption place over to, and another group message requires consume the amount of money that account interior process aforementioned calculation in place draws and changes in the account of operator; If not, then only send one group of message, require in the account of consumption card correspondence, will consume the amount of money and fully change in the account in consumption place.After message generates, directly send transaction message, or, send transaction message to " banking system account processing host " 2 by banking system front end processor 7 to banking system account processing host 2.Simultaneously, will count day-to-day account by the content of the transaction message of (the account main frame of bank returns success) after each Transaction Success of " information and packet transmission device " initiation, write message accounting storer 1052 by " pen recorder ".Information and packet transmission device 104 read the flowing water information in the message accounting storer 1052, generate " modification information "." modification information " content comprises: bank card number changes the amount of money of operator's account over to, trade company number.Transmit " modification information " by " communicator " to the account management system 3 of operator.Regularly call transaction message flowing water by " account is checked device ", regularly (can set or arrange) carries out reconciliation with the account management system of operator.
Fig. 4 is the account management system structural drawing.As shown in Figure 4, described " account management system " further comprises:
Information receiver 101 receives consumption information and receives " the modification information " that the go-on-go transfer system imports into.
Inquiry is calculated and is supplemented device 302 inquiries " account data storehouse " with money, finds " modification information " pairing communication service account, and calculates the needed amount of supplementing with money of each information service number of the account, revises the value of supplementing amount with money.
Supplement order dispensing device 303 with money and find " communication traffic management systems " of each contained in " account data storehouse " number of the account correspondence, according to the volume of supplementing with money of each contained in account data storehouse number of the account, regularly send the instruction of revising the account value to the existing communication business management system.
Account is checked device 304 regular (can set or arrange) and " communication traffic management systems " reconciliation, receives the go-on-go transfer system with consumption information and carries out reconciliation.
Fig. 6 is the account management system workflow diagram.According to the present invention, the principle of work of " account management system " is as follows:
Now just the present invention's concrete example in actual use is exemplified below:
(1) purchases the air ticket, deposit the IP account in.
User's bank card number is 4580615351664000; This card is present in " specific cards database "; User's IP phonecard is the 17910IP phonecard, and the IP account number is that the IP phonecard card number is 164710000001; The bank card accepting terminal is a wireless POS machine, and the machine terminal number of accepting is 005; Corresponding account transfer ratio is 20%; The ratio of supplementing with money to the IP phonecard number of the account set in the system is to change the value 300% of the amount of money after as calculated over to charge in the IP number of the account; The Bank Account Number of ticketing mechanism is 11111; The Bank Account Number of operator is 22222.
The user purchases the air ticket and consumes 1000 yuan, read consumption information by wireless POS machine, " information receiver " (101) receive " consumption information " that the bank card accepting terminal transmits into, and the information content is for comprising " card number: 4580615351664000, accepting terminal number: 005, consume the amount of money: 1000 " at least.This information sends " go-on-go inquiry unit " (102) to, and " go-on-go inquiry unit " (102) use " card number: 4580615351664000 " in the information that is received.Utilize pen recorder (105) inquiry " specific cards database ", the card of determining this consumption is to belong to the card that need transfer accounts for its pairing one or more communication service accounts." consumption information " special Data Labels is made marks." consumption information " sends " calculation element " (103) to, calculation element is judged this card according to the special data sign of " consumption information " and is belonged to and need be the card of its pairing one or more communication service accounts, then calculating after the account that the turnover that will be taken place changes consumption trade company over to the amount of money that fund is transferred in the account of consumption trade company operator's account according to " accepting terminal number: the 005 " corresponding algorithm in " consumption information " is 20% again, promptly 200 yuan.After calculating finishes result of calculation 200 write in " consumption information " and import in " information and packet transmission device " (104)." information and packet transmission device " generates the standard format transaction message (ISO8583 form) that is used to transfer accounts, reorganization is two groups of messages, " number of the account of transferring accounts the amount of money and changing over to, producing " information in the message is first group: " amount of money of transferring accounts: 1000; change number of the account over to: 11111; produce number of the account: 4580615351664000 ", second group: " amount of money of transferring accounts: 200, change number of the account over to: 22222, produce number of the account: 11111 ".Simultaneously, will count day-to-day account by the content of the transaction message of (the account main frame of bank returns success) after each Transaction Success of " information and packet transmission device " initiation, write " message accounting storer " (1052) by " pen recorder "." information and packet transmission device " (104) read the flowing water information in " message accounting storer " (1052), generate " modification information "." modification information " content comprises: bank card number, change the amount of money of operator's account over to, and trade company number (in this example is: 4580615351664000,200,005).Transmit " modification information " by " communicator " to " account management system of operator " (3).Regularly call transaction message flowing water by " account is checked device ", regularly (can set or arrange) carries out reconciliation with the account management system of operator.
Information receiver (301), " the modification information " that reception " consumption information receives the go-on-go transfer system and imports into " consumption information reception go-on-go transfer system imports into-(in this example be: 4580615351664000,200,005), and by " pen recorder " (305) it is counted day-to-day account in " record storage " (3052).Simultaneously " modification information " is imported into " inquiry is calculated and supplemented device with money " (302), inquiry " account data storehouse " (3051)." pen recorder " finds " modification information " pairing communication service account in " account data storehouse ", sign according to account data inside library character section, calculating the needed amount of supplementing with money of IP operation number of the account is 600 yuan, revises the value of supplementing amount with money, becomes 600.The inquiry " account data storehouse " in (303) one hours of " supplementing the order dispensing device with money ", find " charging of IP phone calls system " of IP number of the account-16471000000 correspondence contained in " account data storehouse ", according to the volume of supplementing with money 600 of IP number of the account 164710000001 contained in the account data storehouse, send to charging of IP phone calls system and to supplement instruction with money.Account is checked device (304) by the content in " pen recorder " inquiry " account data storehouse " (3051) or " record storage " (3052), regularly (can set or arrange) and " communication traffic management systems " reconciliation, carry out reconciliation with " consumption information receives the go-on-go transfer system ".If account is not inconsistent, then increases immediately, or reduce.Like this, 600 yuan IP telephone expenses have been charged in the user's who consumes the IP phonecard number.
(2) hotel occupancy deposits mobile phone account in
User's bank card number is 4580615351664000; This card is present in " specific cards database "; User's mobile service account number is that cell-phone number is 13321133333; The bank card accepting terminal is a wireless POS machine, and the machine terminal number of accepting is 005; Corresponding account transfer ratio is 20%; The ratio of supplementing with money to the IP phonecard number of the account set in the system is to change the value 100% of the amount of money after as calculated over to charge in the mobile phone number of the account; The Bank Account Number in hotel is 11111; The Bank Account Number of operator is 22222.
The user moves in 1000 yuan of hotel's consumption, read consumption information by wireless POS machine, " information receiver " (101) receive " consumption information " that the bank card accepting terminal transmits into, and the information content is for comprising " card number: 4580615351664000, accepting terminal number: 005, consume the amount of money: 1000 " at least.This information sends " go-on-go inquiry unit " (102) to, and " go-on-go inquiry unit " (102) use " card number: 4580615351664000 " in the information that is received.Utilize pen recorder (105) inquiry " specific cards database ", the card of determining this consumption is to belong to the card that need transfer accounts for its pairing one or more communication service accounts." consumption information " special Data Labels is made marks." consumption information " sends " calculation element " (103) to, calculation element is judged this card according to the special data sign of " consumption information " and is belonged to and need be the card of its pairing one or more communication service accounts, then calculating after the account that the turnover that will be taken place changes consumption trade company over to the amount of money that fund is transferred in the account of consumption trade company operator's account according to " accepting terminal number: the 005 " corresponding algorithm in " consumption information " is 20% again, promptly 200 yuan.After calculating finishes result of calculation 200 write in " consumption information " and import in " information and packet transmission device " (104)." information and packet transmission device " generates the standard format transaction message (ISO8583 form) that is used to transfer accounts, reorganization is two groups of messages, " number of the account of transferring accounts the amount of money and changing over to, producing " information in the message is first group: " amount of money of transferring accounts: 1000; change number of the account over to: 11111; produce number of the account: 4580615351664000 ", second group: " amount of money of transferring accounts: 200, change number of the account over to: 22222, produce number of the account: 11111 ".Simultaneously, will count day-to-day account by the content of the transaction message of (the account main frame of bank returns success) after each Transaction Success of " information and packet transmission device " initiation, write " message accounting storer " (1052) by " pen recorder "." information and packet transmission device " (104) read the flowing water information in " message accounting storer " (1052), generate " modification information "." modification information " content comprises: bank card number, change the amount of money of operator's account over to, and trade company number (in this example is: 4580615351664000,200,005).Transmit " modification information " by " communicator " to " account management system of operator " (3).Regularly call transaction message flowing water by " account is checked device ", regularly (can set or arrange) carries out reconciliation with the account management system of operator.
Information receiver (301), " the modification information " that reception " consumption information receives the go-on-go transfer system and imports into " consumption information reception go-on-go transfer system imports into-(in this example be: 4580615351664000,200,005), and by " pen recorder " (305) it is counted day-to-day account in " record storage " (3052).Simultaneously " modification information " is imported into " inquiry is calculated and supplemented device with money " (302), inquiry " account data storehouse " (3051)." pen recorder " finds " modification information " pairing communication service account in " account data storehouse ", according to the sign of account data inside library character section, calculating the needed amount of supplementing with money of mobile phone number of the account is 200 yuan, revises the value of supplementing amount with money, becomes 200.The inquiry " account data storehouse " in (303) one hours of " supplementing the order dispensing device with money ", find " the mobile phone billing system " of mobile phone number of the account-13321133333 correspondence contained in " account data storehouse ", according to the volume of supplementing with money 200 of mobile phone number of the account 13321133333 contained in the account data storehouse, send to the mobile phone billing system and to supplement instruction with money.Account is checked device (304) by the content in " pen recorder " inquiry " account data storehouse " (3051) or " record storage " (3052), regularly (can set or arrange) and " mobile phone billing system " reconciliation, carry out reconciliation with " consumption information receives the go-on-go transfer system ".If account is not inconsistent, then increases immediately, or reduce.Like this, 200 yuan telephone expenses have been charged in the user's who consumes the cell-phone number.
(3) buy IP phonecard, deposit the IP account in
User's bank card number is 4580615351664000; This card is present in " specific cards database "; User's IP phonecard is the 17910IP phonecard, and the IP account number is that the IP phonecard card number is 164710000001; The bank card accepting terminal is a wireless POS machine, and the machine terminal number of accepting is 005; Corresponding account transfer ratio is 20%; The ratio of supplementing with money to the IP phonecard number of the account set in the system is to change the value 300% of the amount of money after as calculated over to charge in the IP number of the account; The Bank Account Number of card vending machine structure is 11111; The Bank Account Number of operator is 22222.
The user buys 1000 yuan of IP phonecard consumption, read consumption information by wireless POS machine, " information receiver " (101) receive " consumption information " that the bank card accepting terminal transmits into, and the information content is for comprising " card number: 4580615351664000, accepting terminal number: 005, consume the amount of money: 1000 " at least.This information sends " go-on-go inquiry unit " (102) to, and " go-on-go inquiry unit " (102) use " card number: 4580615351664000 " in the information that is received.Utilize pen recorder (105) inquiry " specific cards database ", the card of determining this consumption is to belong to the card that need transfer accounts for its pairing one or more communication service accounts." consumption information " special Data Labels is made marks." consumption information " sends " calculation element " (103) to, calculation element is judged this card according to the special data sign of " consumption information " and is belonged to and need be the card of its pairing one or more communication service accounts, then calculating after the account that the turnover that will be taken place changes consumption trade company over to the amount of money that fund is transferred in the account of consumption trade company operator's account according to " accepting terminal number: the 005 " corresponding algorithm in " consumption information " is 20% again, promptly 200 yuan.After calculating finishes result of calculation 200 write in " consumption information " and import in " information and packet transmission device " (104)." information and packet transmission device " generates the standard format transaction message (ISO8583 form) that is used to transfer accounts, reorganization is two groups of messages, " number of the account of transferring accounts the amount of money and changing over to, producing " information in the message is first group: " amount of money of transferring accounts: 1000; change number of the account over to: 11111; produce number of the account: 4580615351664000 ", second group: " amount of money of transferring accounts: 200, change number of the account over to: 22222, produce number of the account: 11111 ".Simultaneously, will count day-to-day account by the content of the transaction message of (the account main frame of bank returns success) after each Transaction Success of " information and packet transmission device " initiation, write " message accounting storer " (1052) by " pen recorder "." information and packet transmission device " (104) read the flowing water information in " message accounting storer " (1052), generate " modification information "." modification information " content comprises: bank card number, change the amount of money of operator's account over to, and trade company number (in this example is: 4580615351664000,200,005).Transmit " modification information " by " communicator " to " account management system of operator " (3).Regularly call transaction message flowing water by " account is checked device ", regularly (can set or arrange) carries out reconciliation with the account management system of operator.
Information receiver (301), " the modification information " that reception " consumption information receives the go-on-go transfer system and imports into " consumption information reception go-on-go transfer system imports into-(in this example be: 4580615351664000,200,005), and by " pen recorder " (305) it is counted day-to-day account in " record storage " (3052).Simultaneously " modification information " is imported into " inquiry is calculated and supplemented device with money " (302), inquiry " account data storehouse " (3051)." pen recorder " finds " modification information " pairing communication service account in " account data storehouse ", sign according to account data inside library character section, calculating the needed amount of supplementing with money of IP operation number of the account is 600 yuan, revises the value of supplementing amount with money, becomes 600.The inquiry " account data storehouse " in (303) one hours of " supplementing the order dispensing device with money ", find " charging of IP phone calls system " of IP number of the account-16471000000 correspondence contained in " account data storehouse ", according to the volume of supplementing with money 600 of IP number of the account 164710000001 contained in the account data storehouse, send to charging of IP phone calls system and to supplement instruction with money.Account is checked device (304) by the content in " pen recorder " inquiry " account data storehouse " (3051) or " record storage " (3052), regularly (can set or arrange) and " charging of IP phone calls system " reconciliation, carry out reconciliation with " consumption information receives the go-on-go transfer system ".If account is not inconsistent, then increases immediately, or reduce.Like this, 600 yuan IP telephone expenses have been charged in the user's who consumes the IP phonecard number.
(4) buy commodity, deposit game account and IP account in
User's bank card number is 4580615351664000; This card is present in " specific cards database "; User's IP phonecard is the 17910IP phonecard, and the IP account number is that the IP phonecard card number is 164710000001; User's game account is a legend game card account, and card number is: 33333; The bank card accepting terminal is a wireless POS machine, and the machine terminal number of accepting is 005; Corresponding account transfer ratio is 20%; The ratio of supplementing with money to each number of the account set in the system is to change the value 150% of the amount of money after as calculated over to charge in the IP number of the account, 50% charge in the game account; The Bank Account Number of ticketing mechanism is 11111; The Bank Account Number of operator is 22222.
The user buys 1000 yuan of commodity consumptions, read consumption information by wireless POS machine, " information receiver " (101) receive " consumption information " that the bank card accepting terminal transmits into, and the information content is for comprising " card number: 4580615351664000, accepting terminal number: 005, consume the amount of money: 1000 " at least.This information sends " go-on-go inquiry unit " (102) to, and " go-on-go inquiry unit " (102) use " card number: 4580615351664000 " in the information that is received.Utilize pen recorder (105) inquiry " specific cards database ", the card of determining this consumption is to belong to the card that need transfer accounts for its pairing one or more communication service accounts." consumption information " special Data Labels is made marks." consumption information " sends " calculation element " (103) to, calculation element is judged this card according to the special data sign of " consumption information " and is belonged to and need be the card of its pairing one or more communication service accounts, then calculating after the account that the turnover that will be taken place changes consumption trade company over to the amount of money that fund is transferred in the account of consumption trade company operator's account according to " accepting terminal number: the 005 " corresponding algorithm in " consumption information " is 20% again, promptly 200 yuan.After calculating finishes result of calculation 200 write in " consumption information " and import in " information and packet transmission device " (104)." information and packet transmission device " generates the standard format transaction message (ISO8583 form) that is used to transfer accounts, reorganization is two groups of messages, " number of the account of transferring accounts the amount of money and changing over to, producing " information in the message is first group: " amount of money of transferring accounts: 1000; change number of the account over to: 11111; produce number of the account: 4580615351664000 ", second group: " amount of money of transferring accounts: 200, change number of the account over to: 22222, produce number of the account: 11111 ".Simultaneously, will count day-to-day account by the content of the transaction message of (the account main frame of bank returns success) after each Transaction Success of " information and packet transmission device " initiation, write " message accounting storer " (1052) by " pen recorder "." information and packet transmission device " (104) read the flowing water information in " message accounting storer " (1052), generate " modification information "." modification information " content comprises: bank card number, change the amount of money of operator's account over to, and trade company number (in this example is: 4580615351664000,200,005).Transmit " modification information " by " communicator " to " account management system of operator " (3).Regularly call transaction message flowing water by " account is checked device ", regularly (can set or arrange) carries out reconciliation with the account management system of operator.
Information receiver (301), " the modification information " that reception " consumption information receives the go-on-go transfer system and imports into " consumption information reception go-on-go transfer system imports into-(in this example be: 4580615351664000,200,005), and by " pen recorder " (305) it is counted day-to-day account in " record storage " (3052).Simultaneously " modification information " is imported into " inquiry is calculated and supplemented device with money " (302), inquiry " account data storehouse " (3051)." pen recorder " finds " modification information " pairing communication service account in " account data storehouse ", sign according to account data inside library character section, calculating the needed amount of supplementing with money of IP operation number of the account is that 300 yuan, the needed amount of supplementing with money of GID are 100 yuan, the value of amount is supplemented in modification with money, the value of IP phonecard number of the account 164710000001 correspondences is 300, and the value of GID 3333 correspondences is 100; The inquiry " account data storehouse " in (303) one hours of " supplementing the order dispensing device with money ", find " charging of IP phone calls system " of IP number of the account-16471000000 correspondence contained in " account data storehouse ", according to the volume of supplementing with money 300 of IP number of the account 164710000001 contained in the account data storehouse, send to charging of IP phone calls system and to supplement instruction with money; Find " the GID management system " of game account 3333 correspondences,, send to " GID management system " and to supplement instruction with money according to the volume of supplementing with money 100 of GID contained in the account data storehouse 3333.Account is checked device (304) by the content in " pen recorder " inquiry " account data storehouse " (3051) or " record storage " (3052), regularly (can set or arrange) and " charging of IP phone calls system " and " GID management system " reconciliation, carry out reconciliation with " consumption information receives the go-on-go transfer system ".If account is not inconsistent, then increases immediately, or reduce.Like this, charge into 300 yuan IP telephone expenses in the user's who consumes the IP phonecard number, charged into 100 yuan expense in the GID.
In sum, the present invention develops on existing financial sector and communication system, consumption information among the present invention receives the go-on-go transfer system and the number of the account management system can be a separate equipment, also can be with existing equipment be that function combines and constitutes a kind of new financial sector and the equipment of communication system, perhaps existing equipment is transformed, these all do not break away from technical scheme of the present invention, and the formation of relevant existing equipment no longer repeats here.
Claims (13)
1, a kind of bank card consumption communication network account charging system is characterized in that described system comprises:
Bank card accepting terminal (5) end receives go-on-go transfer system (1) by network connection system (4) and consumption information and is connected, the built-in information that is used to accept described bank card and reads the bank card of being accepted, described bank card accepting terminal (5) is built-in with the information that can identify described trade company of this terminal or placement location at least;
Network connection system (4), this system receives between the go-on-go transfer system (1) in bank card accepting terminal (5) and consumption information, can be multiple network type of attachment such as wired or wireless;
Banking system front end processor (7), this front end processor receives between go-on-go transfer system (1) and the banking system main frame (2) in consumption information, is used for handling the information of existing bank card disposal system;
Banking system main frame (2), this main frame is connected with banking system front end processor (7), is used for handling the information of existing bank card disposal system;
Consumption information receives go-on-go transfer system (1), this system is connected with banking system front end processor (7) and account management system (3), is used to receive built-in information and the consumption information of information that bank card accepting terminal (5) reads and the bank card accepting terminal (5) that connects with it; How the card that inquires this consumption according to the information go-on-go that is received transfers accounts; In the account of consumption trade company, fund is transferred to the amount of money of operator's account again after calculating the account that the turnover that will be taken place changes consumption trade company over to; Reorganize and send message; Sending changed information and account checks;
Account management system (3), this system receives go-on-go transfer system (1) with consumption information and is connected, and is used to receive consumption information and receives the modification information that the go-on-go transfer system imports into; The value of supplementing amount with money is calculated and is revised in inquiry; Order is supplemented in transmission with money and account is checked;
Communication traffic management systems (6-1 ... 6-n), this system is connected with account management system (3), is used for the management of communication network number of the account, charges and battalion's account.
According to the system of claim 1, it is characterized in that 2, described consumption information receives go-on-go transfer system (1) and further comprises:
Information receiver (101), this device is connected with communicator (107) with go-on-go inquiry unit (102), is used for communicator and receives the information that bank card accepting terminal (5) transmission is come in;
Go-on-go inquiry unit (102), this device is connected with calculation element (103) with information receiver (101), and whether the card that is used for going out according to the information retrieval that is received this consumption is that needs are that its pairing one or more communication service accounts are transferred accounts;
Calculation element (103), this device is connected with information and packet transmission device (104) with go-on-go inquiry unit (102), if be used for this card is to belong to be the card of its pairing one or more communication service accounts, and this device is transferred to the amount of money of operator's account with fund after calculating the account that the turnover that will be taken place changes consumption trade company over to again in the account of consumption trade company;
Information and packet transmission device (104), this device is connected with calculation element (103), pen recorder (105) and communicator (107), be used for sending transaction message to bank account main frame (2), send information to operator's number of the account management system by communicator (107) and banking system front end processor (7);
Pen recorder (105), this pen recorder (105) is checked device (106) with go-on-go inquiry unit (102), information and packet transmission device (104) and account and is connected, this device comprises specific cards database (1051) and (1052) two equipment of message accounting storer, is used for the operation that specific cards database (1051) and message accounting storer (1052) are read and write data;
Account is checked device (106), and this device is connected with pen recorder (105) with communicator (107), and the account management system that is used for regular and operator carries out reconciliation;
Communicator (107), this communicator (107) is connected with said apparatus, is used to realize that consumption information receives communicating by letter between go-on-go transfer system (1) and banking system front end processor (7), bank card accepting terminal (5) and the operator's account management system (3).
According to the system of claim 1 or 2, it is characterized in that 3, described account management system (3) comprising:
Information receiver (301), this device are supplemented device (302) with money with communicator (306) and inquiry calculating and are connected, and are used for receiving consumption information by communicator (306) and receive the modification information that go-on-go transfer system (1) imports into;
Inquiry is calculated and is supplemented device (302) with money, this device is connected with communicator (306), information receiver (301) and pen recorder (305), be used to inquire about the account data storehouse, find the pairing communication service account of modification information, and calculate the needed amount of supplementing with money of each information service number of the account, revise the value of supplementing amount with money;
Supplement order dispensing device (303) with money, this device is connected with pen recorder (305) with communicator (306), be used for finding the communication traffic management systems of each contained number of the account correspondence of account data storehouse, according to the volume of supplementing with money of each contained in account data storehouse number of the account, regularly send the instruction of revising the account value to the existing communication business management system;
Account is checked device (304), and this device is connected with pen recorder (305) with communicator (306), is used to make the account management system of operator regularly to carry out reconciliation with communication traffic management systems and consumption information reception go-on-go transfer system;
Pen recorder (305), this pen recorder (305) calculates and supplements device (302) with money, supplements with money order dispensing device (303) and checks device (304) with account and be connected with inquiry, this device comprises account data storehouse (3051) and (3052) two equipment of message accounting storer, is used for the operation that number of the account database (3501) and message accounting storer (3502) are read and write data;
Communicator (306), this communicator is connected with said apparatus, is used to realize that consumption information receives the go-on-go transfer system and communication traffic management systems communicates.
4, a kind of bank card consumption communication network account charging method is characterized in that described method comprises the steps:
The built-in information and the consumption information of information that reception bank card accepting terminal reads and the bank card accepting terminal that connects with it;
By network connection system, described information is sent to consumption information receives the go-on-go transfer system;
This consumption information receives go-on-go transfer system and inquires the capable information of transferring accounts of sticking into of this consumption according to the information go-on-go that is received;
In the account of consumption trade company, fund is transferred to the amount of money of operator's account again after calculating the account that the turnover that will be taken place changes consumption trade company over to, and this amount information is sent to the banking system main frame;
This system is treated transaction message to the output information of banking system main frame, in processing, the transaction message form is constant, and the money transfer transactions amount of money in the message and the account that changes over to, produces judge whether to belong to the card that needs transfer accounts for its pairing one or more communication service accounts according to this bank card and determine to reorganize and the transmission message;
When sending message, consumption information receives the go-on-go transfer system and writes down the information of transferring accounts, and communicates by letter with the account management system of operator, sends changed information;
According to the volume of supplementing with money of each contained in account data storehouse number of the account, regularly send the instruction of revising the account value to the existing communication business management system;
The above-mentioned process of supplementing with money will write down and count day-to-day account automatically, and regular and communication traffic management systems reconciliation is carried out account with consumption information reception go-on-go transfer system and checked.
5, method according to claim 4, it is characterized in that, the step of described reorganization and transmission message further comprises: if judge is to belong to determine to reorganize and send message for the card that its pairing one or more communication service accounts are transferred accounts, then former transaction message being reorganized is two groups of messages, one group is to require will to consume in the account of consumption card correspondence in the account that the amount of money fully changes the consumption place over to, and another group message requires consume the amount of money that account interior process aforementioned calculation in place draws and changes in the account of operator; If not, then only send one group of message, require in the account of consumption card correspondence, will consume the amount of money and fully change in the account in consumption place.
6, according to claim 4 or 5 described methods, it is characterized in that the content of described changed information comprises: bank card number, the amount of money that changes operator's account over to and trade company number.
7, method according to claim 6 is characterized in that, described number of the account is an IP phonecard card number service number of the account.
8, method according to claim 6 is characterized in that, described number of the account is the professional number of the account of IP phone registered user number of the account.
9, method according to claim 6 is characterized in that, described number of the account is the professional number of the account of Mobile Directory Number.
10, method according to claim 6 is characterized in that, described number of the account is the professional number of the account of fixed telephone number.
11, method according to claim 6 is characterized in that, described number of the account is the electronic mail service number of the account.
12, method according to claim 6 is characterized in that, described number of the account is a GID.
13, method according to claim 6 is characterized in that, described number of the account is to can be the professional number of the account of its various types of communication of supplementing with money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410037042 CN1570984A (en) | 2004-04-26 | 2004-04-26 | Account prepaid system and method for bank card consumption communication network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410037042 CN1570984A (en) | 2004-04-26 | 2004-04-26 | Account prepaid system and method for bank card consumption communication network |
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| CN1570984A true CN1570984A (en) | 2005-01-26 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN 200410037042 Pending CN1570984A (en) | 2004-04-26 | 2004-04-26 | Account prepaid system and method for bank card consumption communication network |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100425037C (en) * | 2005-03-18 | 2008-10-08 | 中国工商银行股份有限公司 | Radio network data communication interface and method for bank |
| CN101499194B (en) * | 2008-02-03 | 2012-10-03 | 中国移动通信集团公司 | Electronic purse charging method, equipment and system |
| US8793169B2 (en) | 2006-03-01 | 2014-07-29 | Alibaba Group Holding Limited | Method and system to charge an account |
| CN104025540B (en) * | 2012-12-26 | 2017-02-22 | 华为技术有限公司 | Method, apparatus and system for implementing login of ip telephone number |
| CN108985729A (en) * | 2018-06-29 | 2018-12-11 | 联动优势电子商务有限公司 | A kind of method and device of account charging |
| CN110740431A (en) * | 2019-10-14 | 2020-01-31 | 张承玉 | mobile communication fee payment method and system based on converged credit control |
| CN110769388A (en) * | 2019-10-14 | 2020-02-07 | 张承玉 | Mobile communication fee payment method and system based on converged credit control |
-
2004
- 2004-04-26 CN CN 200410037042 patent/CN1570984A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100425037C (en) * | 2005-03-18 | 2008-10-08 | 中国工商银行股份有限公司 | Radio network data communication interface and method for bank |
| US8793169B2 (en) | 2006-03-01 | 2014-07-29 | Alibaba Group Holding Limited | Method and system to charge an account |
| CN101499194B (en) * | 2008-02-03 | 2012-10-03 | 中国移动通信集团公司 | Electronic purse charging method, equipment and system |
| CN104025540B (en) * | 2012-12-26 | 2017-02-22 | 华为技术有限公司 | Method, apparatus and system for implementing login of ip telephone number |
| CN108985729A (en) * | 2018-06-29 | 2018-12-11 | 联动优势电子商务有限公司 | A kind of method and device of account charging |
| CN110740431A (en) * | 2019-10-14 | 2020-01-31 | 张承玉 | mobile communication fee payment method and system based on converged credit control |
| CN110769388A (en) * | 2019-10-14 | 2020-02-07 | 张承玉 | Mobile communication fee payment method and system based on converged credit control |
| CN110740431B (en) * | 2019-10-14 | 2021-07-09 | 张承玉 | Mobile communication fee payment method and system based on converged credit control |
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