CN202650076U - System for transferring account and withdrawing money in cellphone roaming mode - Google Patents
System for transferring account and withdrawing money in cellphone roaming mode Download PDFInfo
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- CN202650076U CN202650076U CN 201220154737 CN201220154737U CN202650076U CN 202650076 U CN202650076 U CN 202650076U CN 201220154737 CN201220154737 CN 201220154737 CN 201220154737 U CN201220154737 U CN 201220154737U CN 202650076 U CN202650076 U CN 202650076U
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Abstract
The utility model discloses a system for transferring an account and withdrawing money in the cellphone roaming mode. The system comprises a bank business platform, a mobile service support system, a mobile service operation system, one or a plurality of mobile telecom carrier website terminals and a plurality of user terminal devices. In the utility model, seamless connection of the bank business system and the mobile service system is realized in a point-to-point manner, and payment and settlement functions of a bank card are integrated with the wide coverage advantage of a mobile communication system (including an Every Village Project), so that a user can transfer an account and withdraw money in the roaming mode at any mobile telecom carrier website. A modern village payment system is established, improving the ability of banks to serve three agricultural issues, overcoming the defects of insufficient bank outlets and relatively high service cost in remote regions, providing convenience for users in areas without financial services and increasing the service ability of banks in wide markets including the rural market.
Description
Technical field
The utility model relates to the system that a kind of mobile phone roaming is transferred accounts and withdrawn the money.
Background technology
Development along with science and technology, people's living standard improves gradually, towards information-based and the fast development of facilitation direction, but still there are some areas to be subjected to traffic, the geographic position, agricultural, water and soil resources, the impacts such as labor quality, the level of economic development is lower, these areas are the financial service barren ground mostly, the people that live in are here handling the withholding of various expenses, gathering, deposit and withdraw etc. when professional, the road that need to walk a long way, expend a large amount of time, if when running into the situations such as the structural establishment that can handle above-mentioned business is undesired, also can not guarantee that the user can handle by finishing service, existing technology can only be supported the bank card recharging service, deposits needs though satisfied the user, transfer accounts withdraw the money aspect Shortcomings still, so that bank is limited in the service ability of rural market, can't satisfy country for the requirement on rural area client's the Financial Demands, and the deposits funds of peasant in real life, fund such as draws at the financial security problem, and usable range is limited.
The utility model content
The purpose of this utility model namely is to overcome the deficiencies in the prior art, the system that provides a kind of mobile phone roaming to transfer accounts and withdraw the money, adopt point-to-point mode to realize the slitless connection of banking system and mobile service system, integrate the payment and settlement function of bank card and the advantage of mobile communication system broad covered area (comprising project of "Communication with Every Village"), the user can transfer accounts at arbitrarily mobile communication carrier site realization roaming type and withdraw the money, set up the modern countryside Payment System, improved bank service agriculture-countryside-farmer's ability, it is not enough to have overcome isolated area bank outlets, the difficult problems such as cost of serving is higher, for financial service barren ground user provides convenience, improved the service ability of bank in the vast market that comprises the rural market, and had simple to operate, safe, the advantages such as risk is controlled.
The purpose of this utility model is achieved through the following technical solutions: the system that mobile phone roaming is transferred accounts and withdrawn the money, it comprises banking platform, mobile communication carrier's Mobile Service Support System, mobile communication carrier's mobile service operation system, and one or more mobile communication carriers site terminal;
Described banking platform comprises first server group, the first fire wall, the first router, switch, described first server group comprises the first Service Process Server, the first note processing server, service interface server and the first database server at least, service interface server is connected with the first router by switch, the first router is connected with the mobile service operation system by the first fire wall, and the first Service Process Server, the first note processing server, service interface server and the first database server are also interconnected by the network equipment;
Described mobile service operation system comprises second server group and the second fire wall at least, described second server group comprises the second short message server at least, the second Service Process Server, bank interface server and the second database server, the second short message server, the second Service Process Server, bank interface server and the second database server are interconnected by the network equipment, the second short message server is connected with subscriber terminal equipment with Mobile Service Support System respectively, bank interface server is connected with the second router, and the second router is connected with the banking platform by the second fire wall.
Described mobile communication carrier comprises any one or a plurality of operator in China Mobile, CHINAUNICOM, China Telecom and the China Netcom.
The beneficial effects of the utility model are:
(1) the utility model provides the system that a kind of mobile phone roaming is transferred accounts and withdrawn the money, adopt point-to-point mode to realize the slitless connection of banking system and mobile service system, integrate the payment and settlement function of bank card and the advantage of mobile communication system broad covered area (comprising project of "Communication with Every Village"), the user can transfer accounts at arbitrarily mobile communication carrier site realization roaming type and withdraw the money, set up the modern countryside Payment System, improved bank service agriculture-countryside-farmer's ability, it is not enough to have overcome isolated area bank outlets, the difficult problems such as cost of serving is higher, for financial service barren ground user provides convenience, improved the service ability of bank in the vast market that comprises the rural market, and had simple to operate, safe, the advantages such as risk is controlled;
(2) the utility model provides the system that a kind of mobile phone roaming is transferred accounts and withdrawn the money, and adopts the access via telephone line banking system, guarantees the security of data, avoids using traditional the Internet model, has realized completely cutting off in physical link, has avoided business risk.
Description of drawings
Fig. 1 is system architecture diagram of the present utility model;
Fig. 2 is the utility model banking platform composition frame chart;
Fig. 3 is process flow diagram of the present utility model;
Fig. 4 is the utility model user process flow diagram of opening an account;
Fig. 5 is the utility model mobile phone roaming formula FB(flow block) of withdrawing the money of transferring accounts;
Fig. 6 is the utility model mobile phone roaming formula process flow diagram of withdrawing the money of transferring accounts;
Fig. 7 is the utility model activation of service process flow diagram;
Fig. 8 is that the utility model is supplemented with money and gathered process flow diagram;
Fig. 9 is the utility model user balance querying flow figure.
Embodiment
Below in conjunction with accompanying drawing the utility model is further described, but protection domain of the present utility model is not limited to the following stated.
As shown in Figure 1 and Figure 2, roaming described in the utility model is: the user all can finish to transfer accounts in any site in mobile communication carrier's coverage and withdraw the money, the system that mobile phone roaming is transferred accounts and withdrawn the money, it comprises banking platform, mobile communication carrier's Mobile Service Support System, mobile communication carrier's mobile service operation system, and one or more mobile communication carriers site terminal;
Described banking platform comprises first server group, the first fire wall, the first router, switch, described first server group comprises the first Service Process Server, the first note processing server, service interface server and the first database server at least, service interface server is connected with the first router by switch, the first router is connected with the mobile service operation system by the first fire wall, and the first Service Process Server, the first note processing server, service interface server and the first database server are also interconnected by the network equipment;
Described mobile service operation system comprises second server group and the second fire wall at least, described second server group comprises the second short message server at least, the second Service Process Server, bank interface server and the second database server, the second short message server, the second Service Process Server, bank interface server and the second database server are interconnected by the network equipment, the second short message server is connected with subscriber terminal equipment with Mobile Service Support System respectively, bank interface server is connected with the second router, and the second router is connected with the banking platform by the second fire wall.
Described mobile communication carrier comprises any one or a plurality of operator in China Mobile, CHINAUNICOM, China Telecom and the China Netcom.
Fig. 2 is software architecture diagram of the present utility model, adopt point-to-point mode to realize the slitless connection of banking system and mobile service system, integrate the payment and settlement function of bank card and the advantage of mobile communication system broad covered area (comprising project of "Communication with Every Village"), the user can transfer accounts at arbitrarily mobile communication carrier site realization roaming type and withdraw the money.Whole platform comprises " client layer ", " user-interface layer ", " operation layer ", " data Layer " and " interface layer " subsystem; The utility model unification provides and the mobile service interface, can realize with exchanges data such as SMS (Short Messaging Service) gateways and docks, and the external interface supports such as note are provided; Unified providing and banking interface can be realized the exchanges data with bank's related service; The WEB system adopts three-decker, adopts ripe Application Middleware platform as basic platform, adopts the Enterprise SOA pattern, can flexible configuration and deployment; System adopts the engine driving mechanism, and service-oriented architecture Design is provided; System adopts the pattern that represents adapter to support multiple foreground to represent pattern, the adaptive of various displayings can be provided by the combination of workflow and adapter, and can very easily expand.
Shown in Fig. 3～9, the course of work of the present utility model comprises that the user opens an account, activation of service and three steps of withdrawing the money of transferring accounts, and wherein, as shown in Figure 4, described user opens an account and comprises following substep:
S11: the user carries my effective identity certificate and subscriber terminal equipment to the mobile communication carrier business hall, sign with mobile communication carrier and to open the transferring account with mobile phone service protocol of withdrawing the money, and get and be attached with the mobile phone roaming special SIM card of function of withdrawing the money of transferring accounts, and special SIM card is changed on the subscriber terminal equipment;
S12: mobile communication carrier's Mobile Service Support System provides the data message of registered users to mobile communication carrier's mobile service operation system;
S13: the agreement that the user carries my effective identity certificate, signs with mobile communication carrier, and special SIM card is to the bank agency, the banking platform is initiated the subscriber identity information query requests according to the service request that the user submits to the mobile service operation system, and the mobile service operation system is carried out inquiry and returned the relevant identity information of institute's inquiring user;
S14: the data message that the banking platform returns according to the mobile service operation system is verified this user's legitimacy, if legal, then in the banking platform typing with this user's relevant information, user and bank are signatory, meanwhile, the banking platform returns this user's number of registration information to the mobile service operation system;
As shown in Figure 7, described activation of service comprises following substep:
S21: the user obtain special SIM card and signatory with bank after, send the activation of service instruction to the mobile service operation system by the subscriber terminal equipment that special SIM card is installed;
S22: the mobile service operation system receives activation request, and the solicited message that receives examined with the number of registration information that is provided and be kept at the mobile service operation system by the banking platform compare affirmation, if check correct, then the mobile service operation system issues activation instruction to this user's terminal device, and the mobile phone roaming of excited users SIM card is transferred accounts and withdrawn the money and the related service application;
Such as Fig. 5, shown in Figure 6, the described step of withdrawing the money of transferring accounts comprises following substep:
S31: the user is by described SIM card roaming cell-phone number, registration code, the name of application menu typing mobile communication carrier site and the amount of money of withdrawing the money of transferring accounts of withdrawing the money of transferring accounts;
S32: the user confirms above information, the SIM card roaming Application Hints user input password of transferring accounts of withdrawing the money of transferring accounts, and the SIM card roaming being transferred accounts to withdraw the money and using transferring accounts of will the encrypting solicited message of withdrawing the money and be sent to the mobile service operation system after confirming;
S33: after the mobile service operation system is received service request, with user's registration code, cell-phone number, the registration code of mobile communication carrier site, name, and the amount information of withdrawing the money of transferring accounts is committed to the banking platform;
S34: after the banking platform is received the request of withdrawing the money of transferring accounts, whether the relevant information of examining the fund side of producing is legal, if legal, the amount of money of transferring accounts that then will ask is transferred accounts or is supplemented with money to the mobile communication carrier site on the specified account that bank offers, and serial number is sent to the mobile service operation system;
S35: the mobile service operation system receives the recharging result information that the banking platform sends, and send the Transaction Information comprise Transaction Success sign, transaction journal number, address name, mobile communication carrier's site name, the amount of money of transferring accounts to the user by short message mode, meanwhile, the mobile service operation system also sends the Transaction Information that comprises Transaction Success sign, transaction journal number, recharge amount, address name, mobile communication carrier's site name, the amount of money of transferring accounts by short message mode to the mobile communication carrier site;
S36: after mobile communication carrier site and user received that information is finished in transaction that the mobile service operation system sends, both sides signed the transaction voucher, the operation of withdrawing the money that finishing transfers accounts.
The course of work of the present utility model comprises that also following mobile communication carrier site opens an account with the bank, supplements with money step:
S41: the mobile communication carrier site obtains mobile communication carrier and authorizes;
S42: mobile communication carrier offers bank account to bank in the site;
S43: supplement with money to the bank account of oneself the mobile communication carrier site.
As shown in Figure 9, the course of work of the present utility model also comprises the step of a user balance inquiry; Described subscriber terminal equipment comprise at least in mobile telephone equipment, the landline telephone equipment any one or multiple arbitrarily.
The below is further described the utility model:
One, systemic-function
(1) bank (agricultural bank) (provide related service brand and relevant site to realize disbursement and sattlement, also will examine and authorize mobile communication carrier's site identity legitimacy, legitimacy that business is carried out and the associative operation in the business simultaneously):
A, the corresponding service management standard of formulation;
The formulation of operation system interface protocol, protocol development are carried out in B, coordination, and cooperate operation system to finish debugging;
C, determine professional pilot districts and cities, pilot time to cooperate the finishing service pilot work of service operation side;
(2) mobile communication carrier's mobile service operation system is (for the mobile communication carrier site provides professional employed customized SIM card, after the registration of mobile service operation system, can open the associated bank transferred account service, use for the business of convenient all types of Retail networks, the mobile service operation system realizes that the multiple terminal types of service such as PC, mobile phone are for Selection of Net Points):
A, provide to the access via telephone line of bank (agricultural bank) machine room;
B, provide professional employed note Number for access;
C, the short message channel that provides business to use;
D, provide corresponding note tariff package;
(3) mobile communication carrier site: as the business operation user, by move, the service management department such as bank activates the service, thereby realize the depositor site in rural area.
Two, external system interface
(1) Mobile Service Support System interface: log-on message is synchronous, and mobile communication carrier's Mobile Service Support System provides registration depositor's name, identification card number, cell-phone number to mobile communication carrier's mobile service operation system;
(2) Short Message Service Gateway interface:
A, account activate: during the activating service of site, need to send and specify activation code to the mobile service operation system;
B, the request of withdrawing the money of transferring accounts: in the professional use procedure, need to realize that by short message mode the related services such as transferring accounts of this business and inquiry operate;
C, recharging result notice: after Transaction Success, need to issue by the form of note the SMS notification of Transaction Success to site and user;
D, information issue: the mobile service operation system sends related service information, service management standard according to the customer service administrative provisions, is issued to site, registered user (depositor) with the form of note;
(3) bank interface: bank initiates the inquiry of registration depositor identity information to the mobile service operation system, and query contents comprises name, identification card number, binds this professional cell-phone number, at the number of registration of movement side;
(4) mobile service operation system interface: the mobile service operation system returns depositor's related registration information according to the query requests that bank side initiates, and comprises name, identification card number, binds this professional cell-phone number;
(5) protocol type
A, mobile service support standard: what adopt with the interface of commmunication company is mobile standard proprietary protocol;
B, Short Message Service Gateway agreement: what adopt with the Short Message Service Gateway interface of commmunication company is mobile standard C MPP3.0 agreement;
C, Web Service interface protocol
A, applicable scene: intersystem interface exchanges data amount is less; The Wide Area Network that network environment is difficult to ensure; Program both sides are the application of (or a side is) B/S framework;
B, scheme advantage: Networks Environment is had preferably adaptability; Can be adapted to the mutual of application interface between the multiple different shapes such as B/S application, background service application.
Three, business service
(1) complaint handling: the client can dial 24 hours service hotlines 95599 of bank and carry out business consultation and relevant complaint and suggestion; The site any problem occurs in this business of use, can dial 24 hours technical support hot lines;
(2) reconciliation function: site and operator reconciliation: the mobile service operation system can generate a transaction log according to time, the date and time of each generation transaction after each transaction is finished; The site can log in the record case of inquiry relationship trading voluntarily.
Four, functional description
(1) operation management door
A, organization management
A, district management: promoting service, the districts and cities that carry out are arranged corresponding section manager according to the management actual needs of commmunication company, service operation side in corresponding section;
In system, need the information such as section title, sheet regional address, section higher level tissue, section subordinate organization are carried out unified management.Reflect in concrete way to manage, the form that represents the tree-shaped result of formal employing;
The administration of b, site distributes: according to the mobile phone roaming principle of professional unified management of withdrawing the money of transferring accounts, the site is carried out different way to manage methods according to carrying out unified management by the management mode in province, city, district, county according to different zones;
B, supplement network node administration with money
Open an account in a, site: the mobile phone roaming professional outlet that withdraws the money that transfers accounts is carried out in application, need to sign corresponding agreement, sign corresponding agreement with bank with the mobile service operation system.Operation management side need to will be entered in the operation management platform after the related protocol scanning for site information CAMEL-Subscription-Information is carried out electronic management; The scanning document of the management realization CAMEL-Subscription-Information of opening an account is uploaded;
B, site registration management: the site can be registered (its role class like with the consumer of ordinary electronic business platform) voluntarily, but need to activate it.The site registration can with after the related service SIM card that provides and relevant putting on record of carrying out in bank is provided, can be carried out voluntarily in the site;
Management is activated in c, site: after the site registration is finished, need to activate (to the audit of site identity reality) by note, the carrying out of related service such as can not transfer accounts before the site un-activation function only has by mobile phone and activates, finishes operations such as just can carrying out transfer of financial resources behind the authenticity verification;
C, supplement management with money
A, supplement management with money: site personnel or operation management personnel can in time understand the funds flow situation of site and the relevant information of site by the management function of transferring accounts.Really improve the retail family to the service likability of service platform;
B, supplement inquiry with money: site personnel or operation management personnel can in time understand by the query function of transferring accounts the flow of fund situation of site.Site personnel or operation management personnel can in time inquire the information such as abnormal conditions of transferring accounts in the site by this function.And in time error message is fed back to bank side and unusual order is processed with problem solved;
C, reward settlement queries: the passing through of site user supplemented the clearing service with money, can be from obtaining to serve accordingly the reward income.Can inquire the site user by managing portal and finish the amount of money of supplementing with money, the reward income of acquisition etc.;
D, system management
A, rights management: according to unified management mode the restriction of function privilege is carried out in the site, the personnel of different stage have different operating rights, in order to site relevant information and operation are managed;
B, mobile service operation system parameter management: the relevant operational factor to the mobile service operation system is managed for configuration.As: the information such as bank interface address, note parameter;
E, customer service: the operation management personnel can inquire about the complaint situation of site by the single query function of the complaint that management platform provides, and urge the site that complaint is processed timely, solved.Assurance provides good service for the client, increases site and client to the acceptance of mobile service operation system service;
(2) mobile phone terminal menu
A, the mobile phone roaming function of withdrawing the money of transferring accounts: when the site is supplemented operation with money, operate by mobile phone terminal, the information such as input depositor name, depositor's account, recharge amount, depositor's cell-phone number (can input), terminal will point out site input " supplementing password with money " to ensure the site fund security after confirming to input;
Terminal will directly be submitted to mobile service operation system rear end with charging request, finished by the rear end and to supplement operation with money, and the success that will operate or unsuccessfully wait status information to send to site and depositor's's (as phone number is not provided, then not sending to the depositor) mobile phone with the text SMS form;
B, inquiry into balance function: the site operates by mobile phone terminal, selects after the inquiry into balance function, and the mobile service operation system returns the balance amount information of site institute corresponding account according to relevant service request;
Query requests will be submitted to background service system by SIM card, and service system will send to the site mobile phone terminal with balance amount information with the note form;
C, supplement aggregate query with money
A, month aggregate query: the site user can by mobile phone terminal the moon aggregate query function to its this month since, by the information such as total value, total stroke count of supplementing with money of supplementing with money till the same day.Make things convenient for the site to the inquiry of the situation of supplementing with money, examine;
B, day aggregate query: the site user can by mobile phone terminal day the aggregate query function should have be day by the information such as total value, total stroke count of supplementing with money of supplementing with money from that time on to it.Make things convenient for the site to the inquiry of the situation of supplementing with money, examine;
Upper three of D, the same day supplement inquiry with money: the site operates by mobile phone terminal, selected upper three of the same day to supplement with money after the query function, the mobile service operation system is according to relevant service request, and it is nearest three to return this site same day in the text SMS mode: the information such as serial number, name, recharge amount, time; Then return 1～2 nearest transaction as being less than three the same day, such as the then temporary no deal of prompting user of no deal;
E, the inquiry of single flowing water: the site operates by mobile phone terminal, selects after the single flowing water function, and the mobile service operation system returns this site and comprises that site information, current dealing money and relevant fund change customer information over to according to relevant service request;
(3) the mobile phone roaming setting of withdrawing the money of transferring accounts
A, Modify password function: the site operates by mobile phone terminal, selects after the Modify password function, and the mobile service operation system requires the site to input original account number cipher and amended password according to relevant service request, and after confirming, finishes password and revise;
B, supplement upper limit setting with money: the site user supplements fund security with money for ensureing it, can supplement the upper limit with money at the single that oneself is set on the maximum single upper limit basis of business.But the single maximum upper limit that arranges voluntarily can not surpass the maximum upper limit of operation regulation;
(4) background service system
A, mobile service support interface service system
A, registration interface: when the site user registers in bank, need to fill in corresponding subscriber information message such as name, identification card number, cell-phone number, address etc. by mobile business support system.The relevant information of site will be sent to by business support system the interface of business operation system; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, address;
B, service fulfillment interface: the site user formally carries out business and uses, and by mobile it is collected corresponding function expense, settles accounts after, it is open-minded to be considered as this site customer service.When site user's finishing service is opened, need to relevant information be synchronized to business operation system by business support system; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, open sign;
C, service cancellation interface: the site user log off is professional, and transfers accounts and need to carry out by mobile office manager professional cancellation when withdrawing the money business in system carrying out mobile phone roaming.To not collect the function expense of site, not settle accounts corresponding reward to the site yet after cancellation is finished; Business support system sends to business operation system information and comprises: site name, identification card number, cell-phone number, cancellation sign;
D, operator reward clearing interface: the service operation management square tube is crossed the inquiry that this interface can be realized total business volume, and realizes settling accounts with the reward of operator according to total business volume (supplementing total value with money).After business support system receives the query requests of business operation system, the settlement information in the corresponding time period is returned to business operation system;
The business operation system solicited message comprises: start time, concluding time;
The business support system return message comprises: start time, concluding time, supplement total value, reward total value with money;
E, site reward clearing interface: the inquiry of site total business volume can be realized by this interface in the site, and realizes reward clearing with the site according to total business volume (supplementing total value with money).After business support system receives the query requests of business operation system, the settlement information in the corresponding time period is returned to business operation system;
The business operation system solicited message comprises: site coding, start time, concluding time;
The business support system return message comprises: site coding, start time, concluding time, supplement total value, reward total value with money;
B, short message interface service system
A, note task are distributed: according to realizing corresponding note task message formation (or memory table) with service needed, each note task is classified;
The foundation of classification is: " interface message: operator code, access code, association's title, protocol version etc.; ", different internal task message queues (or internal task memory table) is arrived in the note task assignment of different operators, served by the note transmission of each different operator, automatically detect, scan the internal task formation, and execution sends service accordingly;
B, short message service dynamic load: according to local profile information, as: operator, protocol name, protocol version, operator connect parameter, internal queues title, note flow (bar/second), DLL file path (configuration parameter, form need standardize, and realize dynamic Service).The short message interface service of this operator of dynamic load;
Service loads and can by behind the manual modification configuration file, restart short message service and realize that new short message service module loads.The inside story formation is realized creating, is destroyed and management by Service Loader, and short message service module can only read, revises, write;
C, SMS (Short Messaging Service) send service: according to mobile short message protocol, realize that independently SMS (Short Messaging Service) sends service (need to realize respectively different short message services for mobile CMPP2, CMPP3);
The short message service fibrous root is controlled the repeating transmission of note according to the retransmission requesting in the formation, the note task that success sends, and the log interface that need call loader forms log information, and deletes from the note task queue;
D, assistant service function: realize the assistant system instruments such as log recording, testing service, parameter configuration.The concrete function of each aid comprises:
I, log services: log information classified to be presented in the text message frame of interface; File is preserved, and the log information when the interface reaches 20,000, and the service of closing is withdrawed from when using, and log information is preserved hereof; The log information warehouse-in after log information saves as file, imports log information in the log information table, in batches for follow-up log analysis, business statistics provide Back ground Information;
II, testing service: the test function of the testing service that provides whole process to pass through, the test of single business service is provided for Socket interface service, service request warehouse-in, random code service logic, tax payment information service logic, service request.Detect for configuration, setting, commissioning staff's on-the-spot meeting, the test of meeting personnel individual module is used.Need each corresponding independent testing service interface of service logic service;
III, parameter configuration: the parameters to business interface service correspondence is carried out visual interface configurations, configuration information need to carry out database storage (database connection string, the local profile configuration, and provide the database configuration test function) preserve, but guarantee that the configuration information multipath is configured and adjusts;
C, bank interface service system
A, depositor's information transmission interface: the depositor finish with mobile signatory after, the depositor is at mobile relevant log-on message, will be by the mobile service operation system by this interface with the depositor in the related registration information active push of mobile side to bank interface.When guaranteeing that the depositor carries out service fulfillment to bank, the bank business personnel can view the depositor at mobile signatory situation, log-on message etc.; Depositor (peasant household) information spinner that sends will comprise: name, identification card number, cell-phone number, address etc.;
B, depositor (peasant household) registration interface: depositor (peasant household) registers in bank, registers, contracts, and provides bank card by bank to it.After registration is finished in the site, will the relevant information of site be sent to the mobile service operation system by bank, after the mobile service operation system successfully received log-on message, depositor (peasant household) formally finished in the registration work of bank; Simultaneously the mobile service operation system will be with the note form, informs that the transfer accounts service fulfillment of withdrawing the money of its mobile phone roaming of depositor user finishes; Bank will comprise to depositor's information spinner that the mobile service operation system sends: name, identification card number, cell-phone number, bank's number of registration (bank's card number of non-depositor user);
C, the mobile phone roaming interface of withdrawing the money of transferring accounts: the depositor submits site name, number of registration, cell-phone number, the amount of money of withdrawing the money transferring accounts when withdrawing the money operation to by mobile phone terminal, and mobile phone is submitted to the mobile service operation system with charging information with the note form; Bank interface is submitted in the request of will withdrawing the money of mobile service operation system to.Bank interface need to be finished corresponding logic and judge:
I, the authenticity of site information, depositor's information is judged;
II, depositor's remaining sum and the amount of money of withdrawing the money are compared;
If logic is judged by then is withdrawn the money, if the ineligible operation of will not withdrawing the money, and the transaction results status information would be returned to the mobile service operation system;
The mobile service operation system is submitted to bank interface information and is comprised: site number of registration, site name, depositor's number of registration, depositor's cell-phone number, the amount of money of withdrawing the money;
The information that bank interface returns to the mobile service operation system comprises: serial number, site number of registration, site name, depositor's number of registration, the amount of money of withdrawing the money, state (success or failure), failure code; Wherein failure code need to have between mobile service operation system and bank interface both sides consult definition;
D, reconciliation interface: the mobile service operation system is set up FTP Server, and deposits the reconciliation file under the formulation path.The reconciliation file is deposited with the text form, makes things convenient for bank interface to resolve.Reconciliation is divided into a day reconciliation, all reconciliations, month reconciliation, by business operation system dot generation reconciliation file at a fixed time, and sends reconciliation message to bank interface, is obtained file under the assigned catalogue, is carried out the reconciliation operation after resolving by bank interface;
E, note transmission interface: business operation system is realized the note transmission interface for making things convenient for bank that the site user is realized service announcements.Bank interface can realize that note sends by the short message interface that calls business operation system.
Claims (1)
1. the mobile phone roaming system that transfers accounts and withdraw the money, it is characterized in that: it comprises banking platform, mobile communication carrier's Mobile Service Support System, mobile communication carrier's mobile service operation system, and one or more mobile communication carriers site terminal;
Described banking platform comprises first server group, the first fire wall, the first router, switch, described first server group comprises the first Service Process Server, the first note processing server, service interface server and the first database server at least, service interface server is connected with the first router by switch, the first router is connected with the mobile service operation system by the first fire wall, and the first Service Process Server, the first note processing server, service interface server and the first database server are also interconnected by the network equipment;
Described mobile service operation system comprises second server group and the second fire wall at least, described second server group comprises the second short message server at least, the second Service Process Server, bank interface server and the second database server, the second short message server, the second Service Process Server, bank interface server and the second database server are interconnected by the network equipment, the second short message server is connected with subscriber terminal equipment with Mobile Service Support System respectively, bank interface server is connected with the second router, and the second router is connected with the banking platform by the second fire wall.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220154737 CN202650076U (en) | 2012-04-13 | 2012-04-13 | System for transferring account and withdrawing money in cellphone roaming mode |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220154737 CN202650076U (en) | 2012-04-13 | 2012-04-13 | System for transferring account and withdrawing money in cellphone roaming mode |
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| Publication Number | Publication Date |
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| CN202650076U true CN202650076U (en) | 2013-01-02 |
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| CN 201220154737 Expired - Lifetime CN202650076U (en) | 2012-04-13 | 2012-04-13 | System for transferring account and withdrawing money in cellphone roaming mode |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106408421A (en) * | 2016-02-26 | 2017-02-15 | 平安科技（深圳）有限公司 | Cross-platform policy processing method, device and system |
| US10064044B2 (en) | 2014-09-18 | 2018-08-28 | Huawei Technologies Co., Ltd. | Method and apparatus for determining roaming status of terminal, terminal, and server |
-
2012
- 2012-04-13 CN CN 201220154737 patent/CN202650076U/en not_active Expired - Lifetime
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10064044B2 (en) | 2014-09-18 | 2018-08-28 | Huawei Technologies Co., Ltd. | Method and apparatus for determining roaming status of terminal, terminal, and server |
| CN106408421A (en) * | 2016-02-26 | 2017-02-15 | 平安科技（深圳）有限公司 | Cross-platform policy processing method, device and system |
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Granted publication date: 20130102 |