CN1595460A - A system and method for finishing bank transactions via local area wireless network - Google Patents
A system and method for finishing bank transactions via local area wireless network Download PDFInfo
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Abstract
The invention relates to a transaction via bank system and its method for the cell phone or other client terminal user through the local area wireless network. It is composed of the client terminal, the wireless transceiver apparatus of the bank, the terminal of the bank and the service processing system of the bank. The transaction steps are as follows. First, set up the local area wireless network between the client terminal and the bank terminal, and complete the both certification. Second, the client terminal and the bank wireless terminal exchange information through the local area wireless network, and the client terminal enters the transaction ready state. Third, the client delivers the transaction order through the client terminal. Fourth, the bank wireless terminal receives the order from the client terminal, processes the transaction order according to the transaction type and forms the transaction required message delivered to the bank service processing system. Fifth, the bank service processing system processes the transaction order, accomplishes the accounting process and the transaction activity by calling the bank terminal. The invention can be extensively used in the bank application system with easy implement. Without co-operating with the third party, the bank may complete the arrangement independently.
Description
Technical field
The present invention relates to a kind of system and method that utilizes client terminal (as mobile phone, PDA(Personal Digital Assistant) etc.) to finish bank transaction by local radio network.
Background technology
Utilize the mobile client terminal, finish bank transaction as mobile phone, PDA(Personal Digital Assistant) etc., it is mobile banking service, can not only make people handle multiple financial business at any time and any place, and enriched the intension of bank service, making bank is that the client provides service existing and innovation in convenient, efficient safer again mode.Mobile banking service is owing to have a function of " financial house keeper next to the shin ", thus will along with mobile phone, PDA(Personal Digital Assistant) more and more generally uses and the constantly perfect of technology brings huge business development prospect as bank.
Mobile banking not only has the characteristics easily that insert, and simultaneously, more has huge potential customers colony.The following statistics of announcing from the CNNIC shows that by the end of the year 2002, China Internet user adds up to 5,910 ten thousand families; And according to the statistics of China's Ministry of Information Industry, Chinese cellphone subscriber has reached 2.0031 hundred million families in November, 2002.In view of this, with respect to Internet user's sum, the mobile phone user is a very huge user group, and mobile banking is under the support of so huge customer group so, if effective financial service product can be provided, will have sizable market potential.
China Construction Bank was in 2000, in Beijing, Shanghai, Chongqing, Shenzhen, Sichuan, 6 branches in Shandong carried out Mobile banking's pilot, opened Mobile banking's service, but, do not introduced to the market veritably owing to be subjected to the restriction of many-sided factor based on the STK card.On the one hand, the client uses Mobile banking service, not only needs to change card to the agency of Virtual network operator, also needs bank counter signatory, and at that time a STK card cost up to more than 100 yuan; On the other hand, the construction thinking of Mobile banking was the service function that has realized on the sales counter to be put on the mobile phone realize at that time, did not consider the characteristics that mobile phone is easy to carry, can insert at any time conscientiously, did not develop the service function that adapts with its characteristics.
China Merchants Bank takes the lead in having released in Shenzhen domestic first " mobile banking " on March 15th, 2000, subsequently in Chongqing, 11 cities such as Beijing, Wuhan, Shanghai promote.Multinomial management of personal money functions such as this mobile banking service mainly comprises account inquiries, multi-functionally transfers accounts, self-help charging and security service, transfer of financial resources, demand deposit that the client can be directly finishes between home currency and foreign currency remaining sum and the detailed inquiry of Recent Activity in China Merchants Bank's all-purpose card, credit card, the pass-book account, many accounts by the Global Link mobile phone interface change regularly, inquire about and pay multiple running costs such as mobile phone and pager, can also inquire about the stock market in dark, two cities, Shanghai at any time and buy and sell.
Bank of China in Beijing, 26 areas such as Tianjin, Shanghai, Shenzhen have opened mobile banking's service.Major function comprise between savings account inquiry, savings account transfer accounts, the silver card is transferred accounts, financial information inquiry, bill payment and report the loss etc. temporarily.
The National Industrial and Commercial Bank of China has opened mobile banking.Downpaymently report the loss, apply for new business, call out services such as 95588 for the individual client provides account inquiries, the account transfer based on peony-card, the payment of paying the fees, account.Also will release the payment of paying the fees successively, to the inquiry of public account and silver card transfer accounts, service such as foreign exchange trading.
Though each tame bank has successively released Mobile banking, the market reflection is general on the whole, and user's acceptance level is relatively poor, concludes main because also there is following problem in these systems:
1. can not finish all bank transactions, as solve spot assets, withdraw the money, problems such as payment, offline transaction on the spot;
2. the network support of mobile operator must be arranged, and client Mobile banking usable range is subjected to the restriction of mobile operator signal cover, and need be to mobile operator payment network cost of use;
3. the system implementation complexity needs commmunication company's network support, and professional banks such as charging and clearing can not independently grasp, and bank is difficult to independently system be upgraded and safeguard;
4. the contractor is few, and seating surface is narrow, and bank needs franchised business, mobile operator collaborative development when marketing, objectively forms the situation that can only could pay in the few agency of trade company of the quantity of finishing corresponding transformation;
5. client's mobile phone is had relatively high expectations, the client need change SIM cards of mobile phones, simultaneously because bank need write the service menu of oneself in mobile phone, causing the cellphone subscriber to be difficult to inter-bank is suitable for, the client changes mobile operator when (as changing to CHINAUNICOM by China Mobile) in addition, need handle again and change SIM card and formality such as signatory grade;
6. the form of transferring accounts and content are single, can not the fine client of satisfying to being the specific needs problem of purpose with the rights and interests transfer, as limit transfer accounts, transfer accounts long term etc.
Summary of the invention
In order to overcome the shortcoming and defect of above-mentioned prior art, the purpose of this invention is to provide a kind of system and method for finishing bank transaction by local radio network.It can solve that the client consumes in traditional trade company, the payment problem of shopping etc. and in the cash withdrawal problem of banking terminal, and in addition, the present invention all has important breakthrough on Financing Business Innovation in China and service mode.
For finishing above-mentioned purpose, the technical scheme that the present invention takes is:
A kind ofly finish the system of bank transaction by local radio network, it comprises:
The plurality of client terminal, the client holds passes through wireless mode sends transaction request and device from receiving feedback information to bank;
Some banks wireless transmitter, the device and the equipment that communicate by wireless mode with client terminal that bank disposes;
Some banking terminals, what bank disposed provides the device and the equipment of bank transaction service to the client;
Bank's wireless transmitter and banking terminal are referred to as bank's wireless terminal;
One banking system, the transaction processing system of bank's exploitation is finished the processing of transaction, calls bank's wireless terminal and finishes relevant transaction movement;
Some local radio networks build between client terminal and bank's wireless terminal, are used for transmission information between client terminal and bank's wireless terminal.
Described client terminal is the equipment that has the local radio network R-T unit, can be connected with the bank wireless terminal by local radio network.
Described bank wireless transmitter is independent the setting, connects by cable network mode and banking terminal and banking system.
Described bank wireless transmitter is built in banking terminal, connects by cable network and banking system.
Described wireless local network is for can carry out the wireless network of data transmission in than short distance, as blueteeth network, IEEE802.11 protocol network.
A kind ofly finish the method for bank transaction by local radio network, step is:
1) set up a local radio network between client terminal and bank's wireless terminal, finish the mutual authentication between client terminal and bank's wireless terminal, client terminal and bank's wireless terminal utilize this local radio network to carry out data transmission;
2) client terminal and bank's wireless terminal carry out information interaction, and client terminal enters the transaction standby condition;
3) client uses client terminal to send the instruction of request bank transaction to bank's wireless terminal by local radio network;
4) bank's wireless terminal instructs by the requests transaction that local radio network receives the client, and customer instruction is checked, handles trading instruction according to type of transaction, forms transaction request information and is sent to banking system;
5) banking system receives the instruction that bank's wireless terminal sends by dedicated network, handles trading instruction, finishes Account Disposal, calls bank's wireless terminal and finishes transaction movement;
In above-mentioned steps 1, if the then local radio network automatic cutout between client terminal and bank's wireless terminal is not passed through in authentication;
In above-mentioned steps 3, do not send instruction as the client to bank's wireless terminal, then there is not the processing procedure of step 4 and step 5;
In above-mentioned steps 4, if bank's wireless terminal judges that type of transaction is an offline transaction, then call the transaction that the associated bank wireless terminal is finished the client aspect as required, as payment, cash-access, printing voucher etc., after treating bank's wireless terminal and banking system being connected, Transaction Information is sent banking system handle, finally finish transaction.
Client terminal in the described step 1 and bank's wireless terminal are set up local radio network, and this network can be to discern back and foundation automatically mutually at client terminal and bank's wireless terminal, also can be after wherein a side discerns the opposing party, through confirming back foundation.
Described client terminal can transmit or be inputed to by the user information of unique sign client legal identity in bank that bank can discern automatically.
The account of described client terminal correspondence for the client bank or the regular account of opening again and for application uses that client terminal opens directly with the special account of client terminal as carrier, these accounts can the whiles and are stored in client terminal.
Described type of transaction comprises that client terminal passes through the on-line transaction between that the bank wireless terminal triggers and the banking system, and the offline transaction carried out under the wireless local network is supported of client terminal, bank's wireless terminal.
The present invention has solved problems of the prior art well, has the following advantages:
At first, provide the new bank transaction method of finishing, changed the traditional operation method of bank transaction;
Secondly, client terminal is not only the carrier of unit bank account, can also comprise a plurality of accounts of how tame bank simultaneously, also is the instrument that account is operated simultaneously, can partly substitute some banking equipment, offer more friendly operation interface of client and rich functions more;
Once more, it is the account of carrier that bank can directly open with the client terminal, abandons bank card and bankbook, thereby realizes a kind of brand-new bank account system and method for operating thereof, after bank card, realizes banking of new generation.
At last, the present invention also means a kind of birth of brand-new service mode, it is location-based Self-Service pattern, this service mode combines the advantage of bank cashier local service and the service of client's remote self-help, one side client body faces the scene and obtains service, and according to the difference of serving the place, switch to different service content voluntarily, be the interaction capabilities that the present invention has on the other hand, the user can finish relevant financial service from line operate, give a kind of new experience of client, this also meets development in future trend.
The outstanding cooperation of implementing need not third party's network operation merchant that is also advantageous in that of the present invention.The client can finish network with interbank by equipment separately and be connected, and safe, dirigibility is strong.Simultaneously, bank can use the R-T unit that existing banking terminal only need increase local radio network, need not large-area renewal and purchases, and can save great amount of cost.The present invention can be smoothly transitted into the client who holds bankbook, bank card at present on the client terminal existing bankbook of bank and bank card compatibility, and can lost customer.
Description of drawings
Fig. 1 is system architecture figure of the present invention under the mode of banking terminal of built-in bank wireless transmitter
Fig. 2 independently is provided with system architecture figure of the present invention under the mode of bank's wireless transmitter
Fig. 3 is the process flow diagram that client terminal enters the transaction standby condition
Fig. 4 is client terminal is finished transaction under stateful transaction a process flow diagram
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described in further detail.
Embodiment
The device that system of the present invention relates to mainly comprises: banking terminal (BT), bank's wireless transmitter, client terminal (MPA) and banking system (BP), wherein bank's wireless transmitter can be built in the banking terminal (BT), also can independently be provided with.
Figure 1 shows that the system architecture figure under the mode of banking terminal of built-in bank wireless transmitter.The main device that this system relates to comprises: the banking terminal (BT) of built-in bank wireless transmitter, client terminal (MPA) and banking system (BP).Wherein:
The banking terminal (BT) of built-in bank wireless transmitter is equipment and the system that bank disposes, as automatic cash dispenser (CDM), ATM (Automatic Teller Machine) (ATM), point-of-sale terminal (POS), digital telephone, counter computer etc.These equipment are built-in bank's wireless transmitter is as bluetooth radio, IEEE802.11 wireless transmitter, infrared transceiver device or the like.And adopt the dedicated network mode to be connected with banking system, the client can pass through these device request bank services, finish deposit cash, enchashment, transfer accounts, various bank transactions such as payment.
Shown in Figure 2 is the system architecture figure that wireless transmitter is independent of banking terminal.The main device that this system relates to comprises: bank's wireless transmitter, banking terminal (BT), client terminal (MPA) and banking system (BP).
Wherein, client terminal (MPA) connects by local radio network and wireless transmitter; Wireless transmitter is connected with banking system by dedicated network with some banking terminals (BT) (as automatic cash dispenser (CDM), ATM (Automatic Teller Machine) (ATM), point-of-sale terminal (POS), code keypad, digital telephone, counter computer etc.).
Client terminal is set up local radio network with wireless transmitter and is connected (as the connection of setting up by Bluetooth protocol, IEEE802.11 agreement etc.), after finishing the equipment mutual authentication, wireless transmitter promptly begins to carry out information interaction with client terminal, sends announcement information, command menu, help information etc. according to scene informations such as client terminal present positions to client terminal as wireless transmitter.Client terminal enters the transaction standby condition then, if the client needs transaction, then can send trading instruction to wireless transmitter by client terminal, wireless transmitter is handled transaction according to type of transaction, and trading instruction sent to banking system, banking system is handled transaction, finishes Account Disposal, according to circumstances, call banking terminal and finish transaction.
Client terminal (MPA) is client's oneself a equipment, and as mobile phone, computing machine, PDA(Personal Digital Assistant) etc., the client can use these equipment to bank's request service.
Transaction processing system (BP) is a cover computer system of bank, it is connected with each banking terminal by bank's dedicated network, can obtain the instruction that the client sends to banking terminal (BT), and execution command, finally finish the transaction movement that comprises accounting processing, cash-access, printing voucher etc.Wherein: transaction processing system is finished accounting processing, and banking terminal is finished processing such as cash-access, printing voucher.
Referring to Fig. 3, client terminal must enter the transaction standby condition before concluding the business.Client terminal is connected with the bank wireless transmitter, finishes mutual authentication; Bank's wireless terminal and client terminal carry out information interaction, send announcement information, command menu, help information etc. according to scene informations such as client terminal present positions to client terminal as bank's wireless terminal, and client terminal enters the transaction standby condition.
Referring to Fig. 4, client terminal is under the transaction standby condition, client terminal or bank's wireless terminal are initiated transaction, the client uses client terminal to send trading instruction to bank's wireless terminal, and bank's wireless terminal receives trading instruction, judges type of transaction, if on-line transaction, trading instruction is sent to banking system, and banking system is handled transaction, calls banking terminal as required and finishes transaction; If offline transaction, finish the client portion processing of transaction with calling earlier banking terminal as required, as print evidence for payment etc., banking terminal, client terminal are preserved Transaction Information, these Transaction Informations are connected (non real-time connection) at banking terminal or client terminal with banking system after, be sent to banking system and handle, finally finish transaction.
The transaction general process that the inventive method is described is made up of following five steps:
1. set up a local radio network between client terminal (MPA) and bank's wireless terminal (BT), carry out the mutual authentication of client terminal (MPA) and bank's wireless terminal (BT), after authentication was passed through, client terminal (MPA) and bank's wireless terminal (BT) utilized this local radio network to carry out data transmission;
2. client terminal (MPA) and bank's wireless terminal (BT) carry out information interaction, bank's wireless terminal (MPA) sends information such as announcement information, command menu and help according to scene informations such as client terminal (BT) present positions to the client, client terminal (BT) enters the transaction standby condition;
3. the client uses client terminal (MPA) to send trading instruction by the wireless local network to bank's wireless terminal (BT);
4. bank's wireless terminal (BT) system instructs by the requests transaction that local radio network receives the client, and customer instruction is checked, handles trading instruction according to type of transaction, forms transaction request information and sends to banking system (BP);
5. banking system (BP) receives the instruction that bank's wireless terminal (BT) sends by dedicated network, handles trading instruction, finishes Account Disposal, calls bank's wireless terminal (BT) and finishes transaction movement.
Set up local radio network between the client terminal in the above-mentioned steps 1 and bank's wireless terminal, need carry out the examination of both sides' identity legitimacy, thereby set up the information transfer channel of safety, this network can be to discern back and foundation automatically mutually at client terminal and bank's wireless terminal, also can be after wherein a side discerns the opposing party, set up through confirming the back.If the then local radio network automatic cutout between client terminal (MPA) and bank's wireless terminal (BT) is not passed through in authentication.
The above-mentioned client terminal of stating in the step 3 sends trading instruction to bank's wireless transmitter, the form of this trading instruction can be any form that client and bank can understand, comprise the order format that client terminal is determined according to menu, option, help etc., and client and the bank forms such as order format of arranging in advance.Do not send instruction as the client, then do not have the processing procedure of step 4 and step 5 to bank's wireless terminal (BT).
In above-mentioned steps 4, if bank's wireless terminal (BT) judges that type of transaction is an offline transaction, then call associated bank wireless terminal (BT) as required and finish the transaction of client aspect, as payment, cash-access, printing voucher etc., after treating bank's wireless terminal (BT) and banking system (BP) being connected, Transaction Information is sent banking system (BP) handle, finally finish transaction.
The inventive method has been emphasized two important innovative points by above-mentioned 5 steps:
1, the application in the financial field to WLAN (wireless local area network) provides method and thinking;
2, on the method, develop and new means of account settlement of bank and services channels.
When different banks states method on the implementation, the change of the multiple application that on method of the present invention basis, can do, as determine the method for operating of client terminal according to specific circumstances with demand, the form and the content of instruction, method that client terminal calls and prompting etc., these contents are that bank is conspicuous when implementing, not as the description of the invention content.
Bank can confirm the authenticity of customer account and client terminal (MPA) by signatory with the client, customer terminal computer information (as the sequence number of mobile phone) and number of the account is bound together, and register these information in banking system.The signatory account of client can be regular accounts such as the bankbook opened in bank of client, bank card account, also can be to be regular accounts such as the bankbook that uses client terminal newly to open, bank card, can also be for use that client terminal opens with the special account of particular terminal, as accounts such as mobile phone account, PDA(Personal Digital Assistant) accounts as carrier.
After client and bank are signatory, banking system registration client's the end message and the corresponding relation of accounts information, like this, when the client passes through its client terminal (MPA) when bank sends instruction, banking system (BP) is received this transaction, according to client's end message such as phone number, just can verify the correctness of account trading.
Below with mobile phone as client terminal be example introduce this method with and the financial product of deriving.Need to prove that after the client applied for using its account of mobile phone operation, the original mode of operation of its account still can keep use, this method does not have compulsory exclusiveness to original method.
With the mobile phone is the example of client terminal, uses this method to finish bank transaction, and what bank finished mainly is amended as follows:
The main modification of bank comprises: to relevant banking terminal (BT), banking system (BP) carries out suitable transformation and exploitation client terminal (MPA) software.Banking system (BP) is transformed, and as increasing the off-line trading kind, the open portion trading privilege increases trade management controlled variable etc.Banking terminal (BT) is transformed, and as increasing the local radio network R-T unit, revises banking terminal to client terminal legitimacy screening procedure, revises the software of banking terminal.Bank's exploitation client (MPA) software, as be installed in software or the special-purpose browser that drives bank transaction on client's mobile phone.Different bank can be divided into following three partial contents in the modification of implementing this part:
1. infrastructure construction: infrastructure mainly refers to purchase relevant wireless transmitter or bank's wireless terminal, disposes and installs according to the requirement of managing, and it is carried out network with banking system (BP) be connected.After these radio receivers were externally served, client terminal that the client holds (MPA) and bank had just set up mutual basis.
2. service product exploitation: aspect the service product exploitation, describe according to the present invention, if with traditional account (bank card or bankbook) as instrument, then bank need develop or be provided with relevant procedure for concluding a contract, finish client terminal and the binding of these accounts, bank should determine the operable trading range of client terminal (MPA) according to the business development requirement simultaneously, and define menu, input and output and the security set that these transaction are used, finish the exploitation of relative program simultaneously.
3. client software exploitation: what bank developed can be installed in the software that is used to drive bank transaction on the client terminal, and this software can disposablely install, and also can be to download and install on the client terminal automatically.Client software provides operation interface for the client uses client terminal to handle bank transaction.
If adopting client terminal is the account bearer solution, then except above-mentioned exploitation, also need bank's relevant client terminal (MPA) of exploitation family program of opening an account, disappear.Wherein client's number of the account can be the sign (as phone number) of client terminal, also can be newly-generated by bank's standard weight.When opening an account, finish the binding of client terminal (MPA) and this number of the account automatically.This number of the account is transparent to the client, automatically this number of the account is operated when the client uses MPA, thereby finishes the financial instrument function of similar bank card or bankbook.
Method of operating:
Be example with the mobile phone below, introduce client terminal and finish the method for operating of bank transaction that the class of operation of other kind client terminals (as PDA etc.) is similar to the operation of mobile phone client terminal by local radio network.
(1). based on the information notice of mobile phone
1. the client is near banking terminal, and client's mobile phone (MPA) and bank's wireless terminal (BT) are set up a local radio network by Bluetooth protocol, finishes client's mobile phone (MPA) and bank's wireless terminal (BT) mutual authentication, sets up the information transfer channel of safety;
2. client terminal (MPA) and bank's wireless terminal (BT) carry out information interaction, bank's wireless terminal (BT) sends announcement information to client terminal (MPA), notify as account balance, the deposit expiration notice, the loan repayment notice, bank's new business, product notice, custom queueing information, various announcement informations such as banking short notice;
The transaction of information notice class is applicable to all clients, and after client terminal (MPA) and bank's wireless terminal (BT) connected, screen identity, bank can in time send various announcement informations to the client, makes things convenient for client's transacting business.Simultaneously, also can send to client terminal for various command menu, the help information that makes things convenient for client's transacting business.
(2). based on the online cash withdrawal of mobile phone
1. the client is to bank wireless ATM (Automatic Teller Machine) (ATM) limit, set up local radio network (as passing through bluetooth network protocol) between client's mobile phone (MPA) and wireless ATM (Automatic Teller Machine) (ATM), finish the mutual authentication of client's mobile phone (MPA) and wireless ATM (Automatic Teller Machine) (ATM), the wireless ATM (Automatic Teller Machine) of client's mobile phone (MPA) and bank (ATM) utilizes this local radio network to carry out data transmission.
2. the wireless ATM (Automatic Teller Machine) of client's mobile phone (MPA) and bank (ATM) is carried out information interaction by local radio network, wireless ATM (Automatic Teller Machine) (ATM) sends command menu, help information etc. according to scene informations such as client's mobile phone (MPA) present positions to client's mobile phone (MPA), and client's mobile phone (MPA) is in the transaction standby condition.
3. the client is according to operating handsets such as command menu, help information (MPA), and the instruction that the designated amounts cash is drawn in the request of sending sends to wireless ATM (Automatic Teller Machine) (ATM) by local radio network.
4. after wireless ATM (Automatic Teller Machine) (ATM) is received instruction, customer instruction is checked,, instruction is sent to banking system (BP) according to the type of transaction of on-line transaction.
5. banking system (BP) receives the instruction that wireless ATM (Automatic Teller Machine) (ATM) sends by dedicated network, legitimacy to information is checked, after inspection is passed through, carry out corresponding transaction, finish accounting processing, and control wireless ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances.
Online cash withdrawal needs wireless ATM (Automatic Teller Machine) (ATM) to link to each other in real time with banking system (BP), can be suitable for the situation that the client uses various bank accounts to withdraw the money.
(3). based on the off line cash withdrawal of mobile phone
1. the client is to bank wireless ATM (Automatic Teller Machine) (ATM) limit, set up local radio network between client's mobile phone (MPA) and wireless ATM (Automatic Teller Machine) (ATM), finish the mutual authentication of client's mobile phone (MPA) and wireless ATM (Automatic Teller Machine) (ATM), the wireless ATM (Automatic Teller Machine) of client's mobile phone (MPA) and bank (ATM) utilizes this local radio network to carry out data transmission.
2. the wireless ATM (Automatic Teller Machine) of client's mobile phone (MPA) and bank (ATM) is carried out information interaction by local radio network, wireless ATM (Automatic Teller Machine) (ATM) sends command menu, help information etc. according to scene informations such as client's mobile phone (MPA) present positions to client's mobile phone (MPA), and client's mobile phone (MPA) is in the transaction standby condition.
3. the client sends the cash that instruction request is drawn designated amounts according to operating handsets such as command menu, help information (MPA), sends to wireless ATM (Automatic Teller Machine) (ATM) by local radio network.
4. after wireless ATM (Automatic Teller Machine) (ATM) is received trading instruction, instruction is checked to client trading, according to type of transaction is offline transaction, carry out the transaction of off line cash withdrawal, control wireless ATM (Automatic Teller Machine) (ATM) and tell paper money, print associated documents according to circumstances, ATM (Automatic Teller Machine) (ATM) sent banking system (BP) with after banking system is connected after this off line cash withdrawal trading instruction was treated.
5. banking system (BP) receives the instruction that the wireless ATM (Automatic Teller Machine) of bank (ATM) sends by dedicated network, handles trading instruction, finishes accounting processing.
During the off line cash withdrawal, wireless ATM (Automatic Teller Machine) (ATM) does not need to link to each other in real time with banking system (BP), be applicable to normal, the inconvenient situations such as (as inter-bank, trans-regional) of ATM (Automatic Teller Machine) (ATM) network malunion, client's off line cash withdrawal is used its offline transaction account.
(4). based on the online payment of mobile phone
The client can utilize mobile phone to finish the fund payment of consumption, shopping etc.
1. after client's consumption, the shopping, on wireless point-of-sale terminal (POS) limit, set up local radio network between client's mobile phone (MPA) and wireless point-of-sale terminal (POS), finish the mutual authentication of client's mobile phone (MPA) and wireless point-of-sale terminal (POS), the wireless point-of-sale terminal of client's mobile phone (MPA) and bank (POS) utilizes this local radio network to carry out data transmission.
2. the wireless point-of-sale terminal of client's mobile phone and bank (POS) carries out information interaction by local radio network, send command menu, payment information, help information etc. according to scene informations such as client's mobile phone (MPA) present positions to client's mobile phone as wireless point-of-sale terminal (POS), client's mobile phone (MPA) is in the transaction standby condition.
3. the client sends request payment instruction by local radio network to wireless point-of-sale terminal (POS) according to operating handsets such as command menu, help information (MPA).
4. after wireless point-of-sale terminal (POS) is received client's instruction, instruction being checked, is online payment transaction according to type of transaction, will instruct to send banking system (BP).
5. banking system (BP) receives the instruction that wireless point-of-sale terminal (POS) sends by dedicated network, legitimacy to information is checked, after inspection is passed through, carry out transaction, the amount of money of client's payment is forwarded to the collecting account of this point-of-sale terminal (POS), finish accounting processing, and control point-of-sale terminal (POS) is printed associated documents.
Online payment needs point-of-sale terminal (POS) to be connected in real time with banking system (BP), is applicable to the bigger situation of point-of-sale terminal (POS) portfolio.
(5). based on the off line payment of mobile phone
The client can utilize mobile phone to finish the fund payment of consumption, shopping etc.
1. after client's consumption, the shopping, on wireless point-of-sale terminal (POS) limit, set up local radio network between client's mobile phone (MPA) and wireless point-of-sale terminal (POS), finish the mutual authentication of client's mobile phone (MPA) and wireless point-of-sale terminal (POS), the wireless point-of-sale terminal of client's mobile phone (MPA) and bank (POS) utilizes this local radio network to carry out data transmission.
2. the wireless point-of-sale terminal of client's mobile phone and bank (POS) carries out information interaction by local radio network, send command menu, payment information, help information etc. according to scene informations such as client's mobile phone (MPA) present positions to client's mobile phone as wireless point-of-sale terminal (POS), client's mobile phone (MPA) is in the transaction standby condition.
3. the client sends request payment instruction by local radio network to wireless point-of-sale terminal (POS) according to operating handsets such as command menu, help information (MPA).
4. after wireless point-of-sale terminal (POS) is received instruction, checking, is the off line payment transaction according to type of transaction, carries out transaction, and prints associated documents.
5. after wireless point-of-sale terminal (POS) is finished client's payment transaction, (BP) is connected with banking system, banking system (BP) receives client's payment instruction that wireless point-of-sale terminal (POS) sends by dedicated network, handles transaction, finishes accounting processing.
The off line payment does not need point-of-sale terminal (POS) to be connected in real time with banking system (BP), is applicable to the less or real-time situation that connects inconvenient (as the bus ticketing) of point-of-sale terminal (POS) portfolio.Can only use its offline transaction account during the payment of client's off line.
(6). based on transferring accounts of mobile phone
The client can utilize mobile phone to transfer accounts.
1. when the client is near bank's wireless terminal (BT), set up local radio network between client's mobile phone (MPA) and bank's wireless terminal (BT), finish the mutual authentication of client's mobile phone (MPA) and bank's wireless terminal (BT), client's mobile phone (MPA) and bank's wireless terminal (BT) utilize this local radio network to carry out data transmission.
2. client's mobile phone and bank's wireless terminal (BT) carry out information interaction by local radio network, send command menu, payment information, help information etc. according to scene informations such as client's mobile phone (MPA) present positions to client's mobile phone as bank's wireless terminal (BT), client's mobile phone (MPA) is in the transaction standby condition.
3. the client sends request payment instruction by local radio network to bank's wireless terminal (BT) according to operating handsets such as command menu, help information (MPA).
4. after bank's wireless terminal (BT) is received instruction, checking, is online transfer transactions according to type of transaction, will instruct to send banking system (BP).
5. banking system (BP) receives the instruction that bank's wireless terminal (BT) sends by dedicated network, and the legitimacy of information is checked, after inspection is passed through, carry out transaction, finish accounting processing, feedback processing result, and control bank's wireless terminal (BT) according to circumstances and print associated documents.
Claims (10)
1, a kind ofly finish the system of bank transaction, it is characterized in that it comprises by local radio network:
The plurality of client terminal, the client holds passes through wireless mode sends transaction request and device from receiving feedback information to bank;
Some banks wireless transmitter, the device and the equipment that communicate by wireless mode with client terminal that bank disposes;
Some banking terminals, what bank disposed provides the device and the equipment of bank transaction service to the client;
Bank's wireless transmitter and banking terminal are referred to as bank's wireless terminal;
One banking system, the transaction processing system of bank's exploitation is finished the processing of transaction, calls bank's wireless terminal and finishes relevant transaction movement;
Some local radio networks build between client terminal and bank's wireless terminal, are used for transmission information between client terminal and bank's wireless terminal.
2, as claimed in claim 1ly finish the system of bank transaction by local radio network, it is characterized in that: described client terminal is the equipment that has the local radio network R-T unit, can be connected with the bank wireless terminal by local radio network.
3, as claimed in claim 1ly finish the system of bank transaction by local radio network, it is characterized in that: described bank wireless transmitter is provided with for independent, connects by cable network mode and banking terminal and banking system.
4, as claimed in claim 1ly finish the system of bank transaction by local radio network, it is characterized in that: described bank wireless transmitter is built in banking terminal, connects by cable network and banking system.
5, as claimed in claim 1ly finish the system of bank transaction by local radio network, it is characterized in that: described wireless local network is for can carry out the wireless network of data transmission in than short distance, as blueteeth network, IEEE802.11 protocol network.
6, a kind of method of using the described system of claim 1 to finish bank transaction, its characterization step is:
1) set up a local radio network between client terminal and bank's wireless terminal, finish the mutual authentication between client terminal and bank's wireless terminal, client terminal and bank's wireless terminal utilize this local radio network to carry out data transmission;
2) client terminal and bank's wireless terminal carry out information interaction, and client terminal enters the transaction standby condition;
3) client uses client terminal to send the instruction of request bank transaction to bank's wireless terminal by local radio network;
4) bank's wireless terminal instructs by the requests transaction that local radio network receives the client, and customer instruction is checked, handles trading instruction according to type of transaction, forms transaction request information and is sent to banking system;
5) banking system receives the instruction that bank's wireless terminal sends by dedicated network, handles trading instruction, finishes Account Disposal, calls bank's wireless terminal and finishes transaction movement;
In above-mentioned steps 1, if the then local radio network automatic cutout between client terminal and bank's wireless terminal is not passed through in authentication;
In above-mentioned steps 3, do not send instruction as the client to bank's wireless terminal, then there is not the processing procedure of step 4 and step 5;
In above-mentioned steps 4, if bank's wireless terminal judges that type of transaction is an offline transaction, then call the transaction that the associated bank wireless terminal is finished the client aspect as required, as payment, cash-access, printing voucher etc., after treating bank's wireless terminal and banking system being connected, Transaction Information is sent banking system handle, finally finish transaction.
7, the method for finishing bank transaction by local radio network as claimed in claim 6, it is characterized in that: the client terminal in the described step 1 and bank's wireless terminal are set up local radio network, this network can be to discern back and foundation automatically mutually at client terminal and bank's wireless terminal, also can be after wherein a side discerns the opposing party, set up through confirming the back.
8, as claimed in claim 6ly finish the method for bank transaction by local radio network, it is characterized in that: described client terminal can transmit or be inputed to by the user information of unique sign client legal identity in bank that bank can discern automatically.
9, the method for finishing bank transaction by local radio network as claimed in claim 6, it is characterized in that: the account of described client terminal correspondence for the client bank or the regular account of opening again and for application uses that client terminal opens directly with the special account of client terminal as carrier, these accounts can the whiles and are stored in client terminal.
10, the method for finishing bank transaction by local radio network as claimed in claim 6, it is characterized in that: described type of transaction comprises that client terminal passes through the on-line transaction between that the bank wireless terminal triggers and the banking system, and the offline transaction carried out under the wireless local network is supported of client terminal, bank's wireless terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN03156811.4A CN1595460A (en) | 2003-09-08 | 2003-09-08 | A system and method for finishing bank transactions via local area wireless network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN03156811.4A CN1595460A (en) | 2003-09-08 | 2003-09-08 | A system and method for finishing bank transactions via local area wireless network |
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| Publication Number | Publication Date |
|---|---|
| CN1595460A true CN1595460A (en) | 2005-03-16 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN03156811.4A Pending CN1595460A (en) | 2003-09-08 | 2003-09-08 | A system and method for finishing bank transactions via local area wireless network |
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| CN (1) | CN1595460A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024233A (en) * | 2010-06-04 | 2011-04-20 | 西本新干线股份有限公司 | Transaction processing system |
| CN103379431A (en) * | 2012-04-19 | 2013-10-30 | 阿里巴巴集团控股有限公司 | Account security protecting method and device |
| CN103956005A (en) * | 2014-04-26 | 2014-07-30 | 王美金 | Method and system of multi-bank important voucher granting equipment |
| CN104134156A (en) * | 2014-07-17 | 2014-11-05 | 南宁市锋威科技有限公司 | WEB-based internet bank security system |
| CN105139520A (en) * | 2015-10-08 | 2015-12-09 | 昆山古鳌电子机械有限公司 | Currency processing unit and automatic transaction processing device |
| CN107315409A (en) * | 2017-05-27 | 2017-11-03 | 芜湖星途机器人科技有限公司 | The hardware platform of system for tracking is dispatched by bank service robot |
| CN111106933A (en) * | 2018-10-28 | 2020-05-05 | 支录奎 | Mobile phone type banking operation control system |
| CN113052585A (en) * | 2021-04-30 | 2021-06-29 | 中国银行股份有限公司 | Method and device for replacing bank card |
| CN113163401A (en) * | 2021-04-30 | 2021-07-23 | 中国银行股份有限公司 | Bank business handling method and device, electronic equipment and computer storage medium |
| CN113256287A (en) * | 2021-07-05 | 2021-08-13 | 深圳市深圳通有限公司 | Offline consumption management method and system |
| CN113487308A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Bank terminal deposit system and method based on block chain |
| CN113487329A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Bank terminal transaction system and method based on block chain |
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- 2003-09-08 CN CN03156811.4A patent/CN1595460A/en active Pending
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024233A (en) * | 2010-06-04 | 2011-04-20 | 西本新干线股份有限公司 | Transaction processing system |
| CN102024233B (en) * | 2010-06-04 | 2014-03-12 | 西本新干线电子商务有限公司 | Transaction processing system |
| CN103379431A (en) * | 2012-04-19 | 2013-10-30 | 阿里巴巴集团控股有限公司 | Account security protecting method and device |
| CN103379431B (en) * | 2012-04-19 | 2017-06-30 | 阿里巴巴集团控股有限公司 | A kind of guard method of account safety and device |
| CN103956005A (en) * | 2014-04-26 | 2014-07-30 | 王美金 | Method and system of multi-bank important voucher granting equipment |
| CN103956005B (en) * | 2014-04-26 | 2016-05-04 | 王美金 | A kind of method and system of multi-bank important documents delivery apparatus |
| CN104134156A (en) * | 2014-07-17 | 2014-11-05 | 南宁市锋威科技有限公司 | WEB-based internet bank security system |
| CN105139520A (en) * | 2015-10-08 | 2015-12-09 | 昆山古鳌电子机械有限公司 | Currency processing unit and automatic transaction processing device |
| CN107315409A (en) * | 2017-05-27 | 2017-11-03 | 芜湖星途机器人科技有限公司 | The hardware platform of system for tracking is dispatched by bank service robot |
| CN111106933A (en) * | 2018-10-28 | 2020-05-05 | 支录奎 | Mobile phone type banking operation control system |
| CN113052585A (en) * | 2021-04-30 | 2021-06-29 | 中国银行股份有限公司 | Method and device for replacing bank card |
| CN113163401A (en) * | 2021-04-30 | 2021-07-23 | 中国银行股份有限公司 | Bank business handling method and device, electronic equipment and computer storage medium |
| CN113163401B (en) * | 2021-04-30 | 2022-08-19 | 中国银行股份有限公司 | Bank business handling method and device, electronic equipment and computer storage medium |
| CN113256287A (en) * | 2021-07-05 | 2021-08-13 | 深圳市深圳通有限公司 | Offline consumption management method and system |
| CN113487308A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Bank terminal deposit system and method based on block chain |
| CN113487329A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Bank terminal transaction system and method based on block chain |
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