WO2011124016A1

WO2011124016A1 - Method for implementing mobile phone bank and operator server

Info

Publication number: WO2011124016A1
Application number: PCT/CN2010/071571
Authority: WO
Inventors: 胡志尧; 王晓东; 杨明玮; 陈丽
Original assignee: 中兴通讯股份有限公司
Priority date: 2010-04-06
Filing date: 2010-04-06
Publication date: 2011-10-13
Also published as: BR112012019244A2; MX2012009108A; CN102714682A; CN102714682B

Abstract

A method for implementing mobile phone bank, provided in the present invention, comprises that an account management module registers the number of an agent terminal as an agent account, and registers the number of a depositor's mobile phone terminal as a depositor account, and records the agent account and the depositor account into the database; an analyzing processing module receives a transaction request transmitted from the agent terminal or the depositor's mobile phone terminal, and analyzes the transaction request; a transaction processing module performs an accounting processing according to the transaction request, and transmits the result of the accounting processing to the agent terminal or the depositor's mobile phone terminal through the analyzing processing module. An operator server is also provided in the present invention. By the method and the operator server in the present invention, mobile phone users can perform the service of deposit, withdrawal, transferring between accounts and paying etc. by the mobile phones.

Description

Mobile phone bank implementation method and operator server technical field

The present invention relates to the field of mobile network value-added services, and in particular, to a mobile banking implementation method and an operator server. Background technique

Mobile banking is a very important part of mobile payment value-added services. The mobile banking services currently used are bundled and paid through mobile phones and bank cards. This model of mobile banking cards is subject to the structure and maturity of the local financial services industry; in some countries or regions, due to the financial services industry. Underdeveloped, the bidding card is relatively high, and there are fewer bank outlets, so many people cannot enjoy convenient banking services. At present, the global penetration rate of mobile phones is very high. If a mobile banking business is operated by operators, mobile phone users can make bank basic services such as deposit, withdrawal, transfer and payment through mobile phones, which will bring great mobile phone users. Convenience, but also bring great benefits to operators. However, the prior art has not been able to provide such a mobile banking service to meet the above needs. Summary of the invention

The object of the present invention is to provide a mobile banking implementation method and an operator server, so that mobile phone users can make deposit, withdrawal, transfer and payment services through the mobile phone.

In order to achieve the above object, the technical solution of the present invention is achieved as follows:

The invention provides a method for implementing a mobile banking, the method comprising:

The account management module registers the number of the agent terminal as a dealer account, registers the number of the depositor mobile terminal as a depositor account, and records the agent account and the depositor account in a database; The parsing processing module receives a transaction request sent by the agent terminal or the depositor mobile phone terminal, and parses the transaction request;

The transaction processing module performs accounting processing according to the transaction request, and sends the accounting processing result to the agent terminal or the depositor mobile terminal through the parsing processing module.

After registering the agent terminal number as the agent account, the method further includes: the agent transfers the funds to the operator account through the bank, and after receiving the reconciliation message from the banking system, the bank transfer reconciliation interface module The corresponding account balance is added to the agent account in the database.

The transaction processing module performs accounting processing according to the transaction request of the agent terminal, specifically: when the depositor deposits at the agent, the agent terminal sends a deposit transaction request to the parsing processing module, where the request includes the agent Account password, deposit amount, depositor account;

The transaction processing module adds a corresponding balance to the deposited depositor account in the database according to the transaction request provided by the parsing processing module, and subtracts the corresponding balance for the reseller account.

The transaction processing module performs accounting processing according to a transaction request of the depositor mobile terminal, specifically:

The depositor mobile terminal sends a withdrawal, transfer or payment operation request to the parsing processing module; the transaction processing module adds a corresponding balance to the agent account in the database according to the withdrawal operation request provided by the parsing processing module, and is Deducting the corresponding balance from the depositor account of the withdrawal; according to the transfer operation request provided by the parsing processing module, subtracting the corresponding balance from the depositor's account in the database, and adding the corresponding balance to the transferred depositor account; The payment operation request provided by the module, the corresponding balance is subtracted from the depositor account in the database, and the transaction reconciliation is completed with the bank system through the bank transfer reconciliation interface module.

The method further includes:

After receiving the transaction request sent by the agent terminal or the depositor mobile phone terminal, the transaction processing module decrypts by the decryption module; the transaction processing module determines the generation according to the decryption result. The legality of the business account or depositor account, the correctness of the password, the adequacy of the balance, and whether the transaction is restricted.

The agent terminal or the depositor mobile phone terminal sends a transaction request by using a short message; the analysis further provides an operator server, including: an account management module, a database, an analysis processing module, and a transaction processing module, where

The account management module is configured to register the number of the agent terminal as a dealer account, register the number of the depositor mobile terminal as a depositor account, and manage the agent account and the depositor account;

The database is configured to store a reseller account and a depositor account, and corresponding balance information; the parsing processing module is configured to receive a transaction request sent by the agent terminal or the depositor mobile terminal, and parse the transaction request Submitted to the transaction processing module; also used to place the transaction

The transaction processing module is configured to perform accounting processing according to the agent terminal or the depositor mobile phone final request, and provide the result of the accounting processing to the parsing processing module.

The operator server further includes: a bank transfer reconciliation interface module coupled to the database for implementing a reconciliation operation between the database and the banking system.

The operator server further includes: a decryption module, connected to the transaction processing module, configured to perform, after the transaction processing module receives the transaction request sent by the agent terminal or the depositor mobile terminal, the encrypted portion in the transaction request Decrypt

Correspondingly, the transaction processing module is further configured to: determine, according to the decryption result, the legality of the agent account or the depositor account, the correctness of the password, whether the balance is sufficient, and whether the transaction is restricted.

The transaction processing module is further configured to: after receiving the reconciliation message about the transfer of the agent funds from the banking system, add a corresponding account balance to the agent account in the database; and receive the deposit from the agent terminal After the transaction request, in the database is the deposit of the deposit Adding a corresponding balance to the account, and subtracting the corresponding balance for the agent account; after receiving the withdrawal operation request from the depositor mobile terminal, adding a corresponding balance to the agent account in the database, and Determining the depositor's account minus the corresponding balance; after receiving the transfer operation request from the depositor's mobile terminal, subtracting the corresponding balance from the depositor's account in the database, and adding the corresponding balance to the transferred depositor's account;

After receiving the payment operation request from the depositor mobile terminal, the corresponding balance is subtracted from the depositor account in the database, and the transaction reconciliation is completed with the bank system through the bank transfer reconciliation interface module.

The mobile phone bank implementation method and the operator server provided by the present invention, the account management module registers the agent terminal number as the agent account, registers the depositor mobile phone terminal number as the depositor account, and registers the agent account and The depositor account is recorded in the database; the parsing processing module receives the transaction request sent by the agent terminal or the depositor mobile terminal, and parses the transaction request; the transaction processing module performs accounting processing according to the transaction request, and parses the accounting processing result through parsing The module is sent to the agent terminal or the depositor mobile terminal.

Through the method and the operator server of the present invention, the user does not need to open an account at the bank, and the mobile terminal can perform deposit, withdrawal, transfer and payment services at the operator agent point. The popularity of mobile phone terminals is quite extensive. Operators are also very convenient to arrange agents. Users can go to the nearest agent to conduct transactions. The cost of agent placement is lower than the cost of bank outlets. Users can use the account balance to make telecom payment through SMS. Payment service; The operator has completed the authentication of the user identity when the user applies for the mobile phone number, and the mobile phone user can conveniently apply for the mobile banking service.

Through the operator's own mobile banking system of the present invention, the user's daily banking operations (deposit, withdrawal, transfer, and payment) no longer require the direct participation of the banking system, and the encryption and decryption operations of the message content need not be performed across systems. This simplifies banking operations and facilitates user access. DRAWINGS

1 is a flow chart of a method for implementing a mobile banking bank according to the present invention;

FIG. 2 is a schematic structural diagram of an implementation system of a mobile banking according to the present invention. detailed description

The technical solutions of the present invention are further elaborated below in conjunction with the accompanying drawings and specific embodiments. The method for realizing a mobile phone bank operated by an operator is provided by the present invention. As shown in FIG. 1, the method mainly includes the following steps:

Step 101: The operator server registers the number of the agent terminal as the agent account, registers the number of the bank phone terminal as a depositor account, and records the agent account and the depositor account in the database.

The agent applies for the agent qualification from the operator. After the operator passes the audit, the operator registers the agent terminal number as the agent account. The depositor has already passed the operator's identity authentication when applying for the mobile phone number. Therefore, the depositor applies to the operator for the mobile banking service. After reviewing the depositor's data, the operator registers the number of the depositor's mobile terminal as a depositor account. Each agent account and depositor account, and its corresponding balance information, are stored in the database of the operator server.

For example: 4: The terminal number of the agent A is 138003000001, then after applying for agent qualification to the operator, the agent account number is 138003000001; assuming that the mobile phone number of user A is 1390030301, and the mobile phone number of user B is 13900230002, Then, after applying for the mobile banking service to the operator, the user account of user A is 1390030301, and the user account of user B is 1390030302.

Step 102: The operator server sends a transaction request according to the agent terminal or the depositor mobile terminal.

After registering the agent terminal number as the agent account, the agent transfers the funds to the operator account through the bank, and after receiving the reconciliation message from the banking system, the operator server receives the reconciliation message from the banking system. Add the corresponding account balance to the agent account in its own database. For example: Agent A deposits or transfers 100,000 yuan in cash to the operator's account through the bank. After the operator confirms that the agent A's cash is deposited or transferred to the operator's account, the account number of the agent A is increased to 1380030001. The balance is 100,000 yuan.

The operator server performs accounting processing according to the transaction request sent by the agent terminal, and specifically includes the following operations:

When the depositor deposits at the agent, the agent terminal sends a deposit transaction request to the operator server, where the request includes the agent account password, the deposit amount, and the depositor account; the operator server deposits in the database according to the received transaction request. The depositor account increases the corresponding balance and subtracts the corresponding balance for the agent account. For example, depositor A deposits 10,000 yuan at agent A, and agent A sends a deposit request to the operator's server through mobile phone 13800300001, including the account password, deposit amount, deposit account number 13900300301, etc.; the operator server receives the request according to the receipt. In the database, add a balance of 10,000 yuan to deposit depositor A.

The carrier server performs accounting processing according to the transaction request sent by the depositor mobile terminal, and specifically includes the following operations:

The depositor mobile terminal sends a request for withdrawal, transfer or payment operation to the operator server; the operator server adds a corresponding balance to the agent account in the database according to the received withdrawal operation request, and subtracts the corresponding balance for the depositor account of the withdrawal; According to the received transfer operation request, the corresponding balance is subtracted from the depositor account in the database, and the corresponding balance is added to the transferred deposit account; according to the received payment operation request, the depositor account is subtracted from the database in the database. The corresponding balance, and complete the transaction reconciliation with the banking system. Examples are as follows:

1. Depositor A needs to withdraw 10,000 yuan. Depositor A initiates a withdrawal request to the operator's server through mobile phone 13900300301. The content includes withdrawal amount, withdrawal password, and withdrawal agent A's number 13800230001. The operator server receives the withdrawal request according to the withdrawal request. In the database, the account of the agent A is increased by 10,000 yuan, and the account of the depositor A is reduced by 10,000 yuan. The balance, that is, the depositor A takes 10,000 yuan from the agent A;

2. When the depositor A needs to transfer 10,000 yuan to the depositor B, the agent A does not need to participate in the agent. The depositor A directly initiates the transfer request to the operator server through the mobile phone 1390030001, including the transfer amount, the withdrawal password, the transfer receiving account 13900300302, etc., the operator server. According to the received transfer request, the balance of the depositor is reduced by 10,000 yuan in the database, and the balance of the deposit of 10,000 yuan is added to the account of the depositor B;

3. When the depositor A needs to perform the payment operation, the agent A does not need to participate in the agent. The depositor A directly sends a payment request to the operator server through the mobile phone 13900300301, including the payment amount, the withdrawal password, the payment order number, etc., and the operator server receives the payment request according to the payment. , in the database for the depositor A minus the corresponding payment amount, and complete the transaction reconciliation with the banking system.

It should be noted that the agent terminal and the depositor mobile terminal can send a transaction request by using a short message, and can also use other feasible methods to send a transaction request. Similarly, the operator server can also return by using a short message. The result of the accounting process is limited to the agent terminal or the storage invention and does not limit the way the transaction request and the accounting processing result are sent.

In addition, after receiving the transaction request sent by the agent terminal or the depositor mobile terminal, the operator server needs to decrypt the encrypted part in the transaction request, and judge the legality and password correctness of the agent account or the depositor account according to the decrypted result. Whether the balance is sufficient and whether the transaction is limited (such as: the amount of a single transaction, the total amount of transactions on the day and the total amount of transactions in the current month exceeds the set value) and so on. Corresponding to the implementation method of the mobile banking described above, the present invention further provides a mobile banking implementation system. As shown in FIG. 2, the system includes: an operator server 10, an agent terminal 20, and a depositor mobile terminal 30. The agent terminal 20 is configured to register with the operator server 10 to become a dealer account, send a transaction request to the operator server 10, and return the account according to the operator server 10. The transaction results in the completion of the transaction. The depositor mobile terminal 30 is configured to register with the operator server 10 as a depositor account, send a transaction request to the operator server 10, and complete the transaction according to the accounting processing result returned by the operator server 10. The operator server 10 is configured to register the number of the agent terminal 20 as a dealer account, register the number of the depositor mobile phone terminal 30 as a depositor account, and record the agent account and the depositor account in a database; according to the agent terminal 20 Or the transaction request sent by the depositor mobile terminal 30, performing accounting processing, and returning the result of the accounting processing to the agent terminal 20 or the depositor mobile terminal 30.

The operator server specifically includes: an account management module 110, a database 120, an analysis processing module 130, and a transaction processing module 140. The account management module 110 is configured to register the number of the agent terminal 20 as a dealer account, register the number of the depositor mobile terminal 30 as a depositor account, and manage the agent account and the depositor account. The database 120 is configured to store the agent account and the depositor account, and corresponding balance information. The parsing processing module 130 is configured to receive a transaction request sent by the agent terminal 20 or the depositor mobile phone terminal 30, parse the transaction request and submit it to the transaction processing module 140, and further send the financial processing result of the transaction processing module 140 to the agent. Terminal 20 or depositor mobile terminal 30. The transaction processing module 140 is configured to perform accounting processing according to the transaction request of the agent terminal 20 or the depositor mobile terminal 30, and provide the result of the accounting processing to the parsing processing module 130.

The carrier server 10 further includes: a bank transfer reconciliation interface module 150 coupled to the database 120 for effecting reconciliation operations between the database 120 and the banking system.

Also included is a decryption module 160, coupled to the transaction processing module 140, for decrypting the encrypted portion of the transaction request after receiving the transaction request sent by the agent terminal 20 or the depositor mobile terminal 30; then, correspondingly, the transaction processing module 140 is further used to determine, according to the decryption result, the legality of the agent account or the depositor account, the correctness of the password, whether the balance is sufficient, and whether the transaction is restricted (eg, the amount of a single transaction, the total amount of transactions on the day, and the total amount of transactions in the current month, etc.) More than the set value) and so on. It should be noted that the transaction processing module 140 is further configured to: after receiving the reconciliation message about the transfer of the agent funds from the banking system, add a corresponding account balance to the agent account in the database 120;

After receiving the deposit transaction request from the agent terminal 20, the corresponding balance is added to the depositor account in the database 120, and the corresponding balance is subtracted from the agent account;

After receiving the withdrawal operation request from the depositor mobile terminal 30, the corresponding balance is added to the agent account in the database 120, and the corresponding balance is subtracted from the depositor account for the withdrawal;

After receiving the transfer operation request from the depositor mobile terminal 30, the corresponding balance is deducted from the depositor's account in the database 120, and the corresponding balance is added to the transferred depositor account; upon receipt of the depositor's mobile terminal 30 After the payment operation request, the corresponding balance is subtracted from the depositor account for payment in the database 120, and the transaction reconciliation is completed with the bank system via the bank transfer reconciliation interface module 150.

In summary, with the method and system of the present invention, the user does not need to open an account at the bank, and can perform deposit, withdrawal, transfer, and payment services at the operator agent point through the mobile terminal. The popularity of mobile phone terminals is quite extensive. Operators are also very convenient to arrange agents. Users can go to the nearest agent to conduct transactions. The cost of agent placement is lower than the cost of bank outlets. Users can use the account balance to make telecom payment through SMS. Payment service; The operator has completed the authentication of the user identity when the user applies for the mobile phone number, and the mobile phone user can conveniently apply for the mobile banking service.

Through the operator's own mobile banking system of the present invention, the user's daily banking operations (deposit, withdrawal, transfer, and payment) no longer require the direct participation of the banking system, and the encryption and decryption operations of the message content need not be performed across systems. This simplifies banking operations and facilitates user access.

The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the present invention.

Claims

Claim

A method for implementing a mobile banking, characterized in that the method comprises:

The account management module registers the number of the agent terminal as a dealer account, registers the number of the depositor mobile terminal as a depositor account, and records the agent account and the depositor account in a database;

The parsing processing module receives a transaction request sent by the agent terminal or the depositor mobile phone terminal, and parses the transaction request;

2. The method for implementing a mobile banking according to claim 1, wherein after the number of the agent terminal is registered as a reseller account, the method further comprises:

The agent transfers the funds to the operator account through the bank, and after receiving the reconciliation message from the banking system, the bank transfer reconciliation interface module adds a corresponding account balance to the agent account in the database.

3. The method for implementing a mobile banking according to claim 2, wherein the transaction processing module performs accounting processing according to a transaction request of the agent terminal, specifically:

When the depositor deposits at the agent, the agent terminal sends a deposit transaction request to the parsing processing module, where the request includes the agent account password, the deposit amount, and the depositor account;

The method for implementing the mobile banking according to claim 2, wherein the transaction processing module performs accounting processing according to a transaction request of the depositor mobile terminal, specifically:

The depositor mobile terminal sends a withdrawal, transfer or payment operation request to the parsing processing module; the transaction processing module adds a corresponding balance to the agent account in the database according to the withdrawal operation request provided by the parsing processing module, and is Deduct the depositor account of the withdrawal minus the corresponding Balance; according to the transfer operation request provided by the parsing processing module, the corresponding balance is subtracted from the depositor account in the database, and the corresponding balance is added to the transferred deposit account; according to the payment operation request provided by the parsing processing module, The corresponding balance is subtracted from the depositor account for payment in the database, and the transaction reconciliation is completed with the bank system through the bank transfer reconciliation interface module.

The method for implementing the mobile banking according to any one of claims 1 to 4, wherein the method further comprises:

After receiving the transaction request sent by the agent terminal or the depositor mobile phone terminal, the transaction processing module decrypts by the decryption module; the transaction processing module determines that the legality and password of the agent account or the depositor account are correct according to the decryption result. Sex, whether the balance is sufficient, and whether the transaction is restricted.

The method for implementing a mobile banking bank according to any one of claims 1 to 4, wherein the agent terminal or the depositor mobile phone terminal sends a transaction request by using a short message;

7. An operator server, comprising: an account management module, a database, an analysis processing module, and a transaction processing module, wherein

8. The carrier server according to claim 7, wherein said operator service The device further includes: a bank transfer reconciliation interface module, coupled to the database, for implementing a reconciliation operation between the database and the banking system.

The operator server according to claim 7, wherein the operator server further comprises: a decryption module, connected to the transaction processing module, configured to receive the agent terminal or the depositor mobile phone terminal at the transaction processing module After sending the transaction request, decrypting the encrypted portion of the transaction request;

The operator server according to any one of claims 7 to 9, wherein the transaction processing module is further configured to: after receiving the reconciliation message about the transfer of the agent funds from the banking system, Add the corresponding account balance to the agent account in the database;

After receiving the deposit transaction request from the agent terminal, the corresponding balance is added to the deposit account in the database, and the corresponding balance is subtracted from the agent account;

After receiving the withdrawal operation request from the depositor mobile phone terminal, adding a corresponding balance to the agent account in the database, and subtracting the corresponding balance for the withdrawal deposit account; receiving the transfer from the depositor mobile terminal After the operation request, the corresponding balance is subtracted from the depositor's account in the database, and the corresponding balance is added to the transferred depositor account;