WO2012012810A1 - Method for sending out mobile financial summaries - Google Patents
Method for sending out mobile financial summaries Download PDFInfo
- Publication number
- WO2012012810A1 WO2012012810A1 PCT/ZA2011/000002 ZA2011000002W WO2012012810A1 WO 2012012810 A1 WO2012012810 A1 WO 2012012810A1 ZA 2011000002 W ZA2011000002 W ZA 2011000002W WO 2012012810 A1 WO2012012810 A1 WO 2012012810A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- sending out
- out mobile
- mobile financial
- summaries
- module
- Prior art date
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/58—Message adaptation for wireless communication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/21—Monitoring or handling of messages
- H04L51/23—Reliability checks, e.g. acknowledgments or fault reporting
Definitions
- Multimedia messaging service is a telecommunications standard for sending messages that includes multimedia objects (images, audio, video, rich text). MMS is an extension of the Short message service (SMS) standard, allowing longer message lengths and using WAP to retrieve the content.
- SMS Short message service
- Its most popular use is sending photographs from camera equipt handsets, although it is also popular as a method of delivering ringtones.
- a further problem generally associated with sending communication via facsimile or post is the confidentiality and security factors. It quite often happens that correspondence is lost or stolen and adds to the frustration of the sender as well as the recipient. [007] This is especially a problem when confidential information is communicated to the intended recipient. As information can easily be "hijacked", the confidentiality of the information to be communicated is at great risk.
- the invention provides for a method of sending out mobile financial summaries which method includes the steps of requesting, by means of a request processor, a financial summary from a multimedia messaging service (MMS) processor; authenticating the validity of the request by means of a security module; generating a financial summary by utilising a multiple overlay technique and transmitting the financial summary to a response processor.
- MMS multimedia messaging service
- the request processor may be any suitable handheld device such as a personal assistant digital (PDA), cellular telephone, alternatively may be a computer or Automated Teller Machine (ATM).
- PDA personal assistant digital
- ATM Automated Teller Machine
- the response processor may be in communication with a report module which in turn may be in communication with an end user but preferably is in communication with a suitable device of an end user such as a personal assistant digital (PDA), cellular telephone, a computer or any combination of the aforementioned.
- a suitable device of an end user such as a personal assistant digital (PDA), cellular telephone, a computer or any combination of the aforementioned.
- PDA personal assistant digital
- the security module may include any one of or combination of the following validation steps: validating if a request is received from a WAP gateway; validating Mobile Station International Subscriber Directory Number (MSISDN) (Cell Phone number); validating MSISDN or validating a personal identification number or password.
- MSISDN Mobile Station International Subscriber Directory Number
- an error message may be communicated to the request processor alternatively to the response processor.
- the method may further include the steps of transmitting the financial summary from the response processor to an end user, alternatively a device such as a personal assistant digital (PDA), cellular telephone, or a computer used by the end user.
- a device such as a personal assistant digital (PDA), cellular telephone, or a computer used by the end user.
- PDA personal assistant digital
- the device utilised by the end user such as a personal digital assistant (PDA), cellular telephone, or a computer is validated by first removing all non- numeric values and then appending the international country code if missing.
- PDA personal digital assistant
- the method yet further includes the steps of determining the destination Network by validating the mobile device number against predefined network data and querying the National Mobile Number Portability database to determine if a number has been ported to a different service provider.
- the capability of the mobile device is determined by determining the User Agent Profile or an International Mobile Equipment Identity (IMEI) number as created by the manufacturer; comparing the requested information with an internal User Agent Profile data repository and returning specific information such as the screen width, screen height, MMS support, Image support, Video support, Flash support or any combination of the aforementioned.
- IMEI International Mobile Equipment Identity
- the statement processor may include a data store in which data of various clients may be stored.
- the statement processor may further include and be in communication with an upload module, XML module, a content module or any combination of the aforementioned.
- the financial summary may include any financial information of a client, alternatively an end user and more particularly may include information such as an invoice, statement, debit note, credit note or any combination of the aforementioned.
- the financial summary may be displayed in accordance with a client's specific requirements, the specific requirement of the end user, alternatively as required by governing law.
- the upload module may include uploaded files from the client, of which each file may be assigned a unique identification means to prevent duplication.
- the XML module may parse and retrieve XML documents from the data store and return such data in a XML format.
- the content module may parse and format each request to ensure compatibility with the various handheld devices and may include any one of or combination of the following output methods: SMS, MMS, Mobi Site and XML.
- the report module may yet further be in communication with the data store and may be responsible for dynamic report generation.
- the report module may further include a default report selection, but may also include a customer preference report.
- the customer preference report may include anyone of or combination of the following parameters: client credentials, report number and customer filters.
- the multimedia messaging service (MMS) processor also referred to as a MMS assembler may utilise a creative design module, data from an Extract Translate Load (ETL) and from a Data Preparation service to generate a financial summary.
- ETL Extract Translate Load
- the financial summary may be generated by utilising an overlay technique in which text is overlaid by image or vice versa.
- the overlay may further increase security as it is more difficult to tamper with the text to image overlay.
- the financial summary information is overlaid onto a base image template which may contain the client's brand, logo and or corporate identity.
- the creative design module may be a design specifically specified by the end user, alternative the client, or any combination of the aforementioned and may include information such as corporate identity, unique numbers, VAT numbers, Invoice, Numbers, Credit Note Numbers, Debit Note Numbers, Statement Numbers, Transaction Dates, Purchase information, Credit information or any combination of the aforementioned. It will be appreciated that any alternate relevant info can be included in the creative design module.
- the Extract Translate Load (ETL) module may be utilised to automate the process of extracting data from various sources and translates the received data in a common statement format that is recognised by the MMS assembler.
- ETL Extract Translate Load
- the data preparation may include the extracting of the mobile numbers from the ETL and validating the mobile numbers, confirming which mobile operator or service provider the specific number is assigned to and determining the associated handheld device's capabilities.
- the response processor may include a result module and an error module.
- the result module may log and format errors that occur while executing any modules or processes and may be a result message which may either be a string or a record set containing the report information.
- the output format of the result module may be Text, HTML, XML or any combination of the aforementioned.
- the error module may log and format errors that occur while executing modules and processes and may be an error message,
- the output format of the error message may be Text, HTML, XML or any combination of the aforementioned.
- Fig 1 is a flow diagram of the method steps according to the invention.
- Fig 2 is a flow diagram of the Security module according to the invention.
- Fig 3 is a flow diagram of the Upload module of the invention.
- Fig 4 is a flow diagram of the XML module of the invention.
- Fig 5 is a flow diagram of the Content module of the invention.
- Fig 6 is a flow diagram of the Reporting module of the invention.
- Fig 7 is a flow diagram of the Result module of the Invention.
- Fig 8 is a flow diagram of the Error module of the invention.
- FIG. 1 illustrates a flow diagram of a method for sending out mobile financial summaries 10 which consists of a request processor 12 a security module 14 in communication with the request processor 12, a multimedia messaging service (MMS) processor 16 in communication with the security module 14 and a response processor 18 in communication with the MMS processor 16.
- MMS multimedia messaging service
- the response processor 18 consists of an error of module 20 and a result module 22.
- the MMS processor 16 is also in communication with an upload module 24 which in turn is in communication with a XML module 26 and content module 28.
- a request is transmitted via the request processor 12 to a security module 14 for verification purposes before the request is transmitted to the M S processor 16.
- the security module 14 includes a four stage verification process as is more clearly illustrated in Figure 2.
- the request 30 is transmitted to a MMS server 32 followed by a four stage of verification process.
- a validation is done to the terminal with the response from a WAP gateway.
- an error message 36 is transmitted.
- a second stage 38 validation is conducted.
- the MSISDN white list is validated. In the event that the validation is false an error message 36 is transmitted. In the event that the validation is true a fourth and final stage 42 validation is done.
- any suitable identification means for example a personal identification number (PIN) or password is utilised for verification purposes.
- PIN personal identification number
- password is utilised for verification purposes.
- an error message 36 is transmitted.
- the submission is passed and transmitted to the statement processor 16.
- the statement processor 16 is in communication with an upload module 24 and herein before described.
- the upload module 24 is responsible for transferring files from a client to the MMS server 44 as is more clearly illustrated in Figure 3.
- Each uploaded file 46 is assigned a unique name to prevent any duplication of an exact file. During this stage there are no expected parameters.
- the upload module 24 will either return a blank file in the event that no uploading of any file contents 48 has occurred, alternatively the physical file contents 48 is returned.
- Figure 4 illustrates the XML module 50.
- the XML module 50 is responsible for parsing and the retrieval of XML documents 52 into and from the data store 54.
- the parameter expected is that of a XML document (string).
- the XML parser 56 is capable to return an error message 58 and is in communication with the data store 54.
- the XML module 50 will return a XML document 60 containing the results based on the XML document 52 passed.
- the content module 28 is responsible for the output of data based on the requirements of the client (client request) 62. Currently, the following output methods are supported: SMS 64, MMS 66, Mobi site 68 and XML 70 as is more clearly illustrated in Figure 5. Each request 62 is parsed and formatted by the content module 28 to insure compatibility across all handheld devices. This allows for optimised content delivery for each mobile device that either receives or connects to view the requested information.
- Figure 6 illustrates a flow diagram of a reporting module 70 which is in communication with the data store 44.
- the reporting module 70 is responsible for dynamic report generation. A default report is included within the module, and allows for custom user reports.
- the reporting module 70 returns a record set 72 containing the report data as per the client request 74.
- the parameter which is expected includes, but is not necessarily limited to, client credentials (security module) and a report number (integer).
- Various parameters may be optional and includes, but is not necessarily limited to, customer filters (filter module). It will be appreciated by those skilled in the art that many other embodiments exist and that the client will be able to choose the filter options to only display the required information.
- the response processor 18 includes a result module 22 and an error module 20.
- the result module 22 is responsible for the logging and formatting of errors that occur while executing module or processes.
- the result module 22 results in a record set 80, alternatively a text message 82 output as is more clearly illustrated in Figure 7.
- the output format includes, but is not necessarily limited to, text, HTML, XML or any combination of the aforementioned.
- the result module 22 will return the formatted result message 84 as a string value.
- Figure 8 illustrates a flow diagram of the error module 20.
- the error module 20 is responsible for the logging and formatting of errors which occurred while executing modules and processes.
- the parameters expected include error message (string) 90 and an output format 92, which includes but is not necessarily limited to, text, HTML, XML or any combination of the aforementioned.
- the error module 20 will return the formatted error message as a string value.
- a client 100 will submit a request to a Creative Design module 102 to design the particular financial summary such as a statement or invoice.
- the client's 100 specific requirements are included in the design and may include information such as the client's logo, the customer name, surname, VAT numbers, invoice numbers and the like. Please note that the particular information hereinbefore said is not by any means limiting.
- the client 102 may communicate directly with the creative design module 100 and design his own criteria, alternatively the creative design may be done by a developer (not shown) on behalf of the client.
- the creative design module utilises creative templates to formalise the specific customer design.
- the creative design templates are designed for, necessarily limited to the following types of handsets:
- the client will submit sample data 104 to be utilised by the creative design module 102 to create a particular financial summary as per client satisfaction.
- the data contract defines how the information pertaining to the financial summary will be obtained from the client 100, alternative from the client's customers. For example, the necessary information may be pulled from the clients website via SFTP, alternatively may be pushed to a designated server as well as the format in which the data will be received (e.g. CSV, XML, XLS or the like) and the type of information contained in the file.
- the encryption details (excluding the shared key) are also defined.
- the data contract also describes how an individual is identified in the data for example by means of identification number or by customer demand.
- the extract translate load (ETL) 106 process is built.
- the ETL 106 automates the process of extracting the data from the source.
- the extracted data is translated in a common statement format that is recognised by an MMS assembler 110.
- the data is securely stored in a repository.
- An example may be a database.
- the data preparation 108 is done by extracting the necessary information from the ETL data 106 and compiling same by means of a data preparation service.
- the data preparation service confirms and authenticates that the mobile numbers are valid and associates the said mobile numbers with a particular service provider.
- the prepared information is transmitted to the MMS assembly 110.
- the validity of the mobile number is determined by first removing any non-numeric values and appending the international country code if missing.
- the destination network and more particularly the relevant service provider are determined by validating the mobile number against a predefined pattern to determine likely destination networks. Furthermore, a query is submitted to the National mobile number portability database to determine if the numbers have been ported to a different service provider.
- the handset capability is also determined during the data preparation 108.
- Each handset is provided with a user agent profile as well as an International Mobile Equipment Identity (IMEI) number by the manufacturer.
- IMEI International Mobile Equipment Identity
- the capability of the handheld device is utilised to generate a financial summary to comply and be displayed on the relevant mobile device.
- Typical information which is relevant to the particular mobile device will include but is not necessarily limited to, screen width, screen height, MMS support, image support, video support, Flash support or any combination of the aforementioned.
- the MMS assembler uses the creative design 102, the data from the ETL 106 and results from the data preparation 108 to generate an electronic financial summary.
- the financial summary is a invoice, statement, Credit Note, Debit Note, or any combination of the aforementioned.
- the MMS assembly 110 utilises the following steps to create the electronic financial summary: a. Base creative templates are selected based on a recipient handset capability; b. statement information is overlaid onto the base image template containing the client's brand, logo and/or corporate identity;
- a presentation, alternatively slideshow is created by combining multiple overlaid images with delays in between each;
- the layout is controlled to enable better presentation to the user as well as the recipient.
- the link to the Mobi site is included.
- the said link can be personalised and can be secured by using online data security.
- Random samples are submitted from the MMS assembler 110 to quality control 112: Quality control is conducted by randomly sending electronic financial summaries to a plurality of lab phones for viewing. The information contained in the MMS is Checked and compared to the original data received from the client to check accuray.
- the batch is transmitted to the client for final approval.
- the MMS assembler 110 is tasked with creating MMS messages in the form of a proprietary XML language. The individual messages are grouped based on the destination network.
- the messages are submitted to the broadcast module 114 which in turn submits the messages to the network operators or service providers via HTTP or HTTPS in a MM7/MM3 format, protocols defined by the third generation partnership group (3GP) or submitted to service provider in a service provider specific format.
- 3GP third generation partnership group
- the MMS packets may contain a synchronised multimedia integration language (SMIL) file defining the presentation as described hereinbefore. All images are included as attachments and are embedded into the MMS that is transmitted to the operator or service provider.
- SMIL synchronised multimedia integration language
- the operator or service provider may acknowledge receipt of the messages by responding with a unique reference number. In case of failure, messages are transmitted for a number of times more before they are deemed to have failed permanently. Once the operator or service provider acknowledges receipt of the message, the original MMS declaration is discarded for security purposes.
- the operator or service provider 116 can distribute the MMS message to the end user 118 via the secured GSM, alternatively 3G network.
- the relevant handset or mobile device is requested to send out a delivery receipt back to the operator or service provider 116.
- This functionality forms part of the MMS technology specification as defined by the third generation partnership group (3GP).
- the operator or service provider 116 passes this information on to the host 120 for storage and future use.
- a report is generated by a report processor 122 which is sent to the client 100 at periodic intervals.
- the report generally includes information pertaining to the number of messages sent, number of messages delivered to the handset or mobile device, and a number of messages that fail to be delivered. It will be appreciated by those skilled in the art that the reports may contain any relevant information relating to the process and is by no means limited to the information hereinbefore mentioned.
- a client will request the Mobi site from an Internet ready mobile device.
- the request will first be processed by the security module 14 and depending on the verification request, will be communicated to the mobile device via a MobiEngine Module.
- the MobiEngine module will be responsible for translating and processing any data to best accommodate the graphics requirements for the mobile device,
- any suitable means of verification may be utilised to validate a client and the perspective request.
- any information may be uploaded to the data store, which information may then be requested by the client, and which is transmitted to the client by means of a multi-messaging service (MMS).
- MMS multi-messaging service
- the current invention particularly relates to the requesting of a financial summary by the client, which is transmitted to the client by means of a MMS.
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP11719142.9A EP2599268A1 (en) | 2010-07-23 | 2011-01-14 | Method for sending out mobile financial summaries |
CN2011800360177A CN103299660A (en) | 2010-07-23 | 2011-01-14 | Method for sending out mobile financial summaries |
US13/811,668 US20140040087A1 (en) | 2000-01-10 | 2011-01-14 | Method for sending out mobile financial summaries |
BR112012032528A BR112012032528A2 (en) | 2010-07-23 | 2011-01-14 | method of submitting mobile financial summaries. |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA2010/05250 | 2010-07-23 | ||
ZA201005250 | 2010-07-23 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2012012810A1 true WO2012012810A1 (en) | 2012-01-26 |
Family
ID=44586979
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/ZA2011/000002 WO2012012810A1 (en) | 2000-01-10 | 2011-01-14 | Method for sending out mobile financial summaries |
Country Status (5)
Country | Link |
---|---|
EP (1) | EP2599268A1 (en) |
CN (1) | CN103299660A (en) |
BR (1) | BR112012032528A2 (en) |
WO (1) | WO2012012810A1 (en) |
ZA (1) | ZA201006747B (en) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN103327155A (en) * | 2013-06-13 | 2013-09-25 | 青岛百灵信息科技有限公司 | Novel mobile phone mode for courier |
CN104778576A (en) * | 2015-03-13 | 2015-07-15 | 上海灵兮信息科技有限公司 | Method for automatically initializing accounting data set by using account balance report |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN104135430B (en) * | 2014-08-04 | 2019-07-05 | 上海巨浪信息科技有限公司 | A kind of intelligent gateway implementation method towards mobile supply chain |
Citations (2)
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WO1999066746A2 (en) * | 1998-06-15 | 1999-12-23 | Nokia Networks Oy | A method for delivering messages in a wireless communications system using the same protocol for all types of messages |
US20010053687A1 (en) * | 2000-06-16 | 2001-12-20 | Timo Sivula | Method for addressing billing in a message service, messaging service system, server and terminal |
Family Cites Families (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6470386B1 (en) * | 1997-09-26 | 2002-10-22 | Worldcom, Inc. | Integrated proxy interface for web based telecommunications management tools |
CN1744135A (en) * | 2005-09-06 | 2006-03-08 | 北京魅力之旅商业管理有限公司 | Electronic evidence realizing method and device |
-
2010
- 2010-09-21 ZA ZA2010/06747A patent/ZA201006747B/en unknown
-
2011
- 2011-01-14 BR BR112012032528A patent/BR112012032528A2/en not_active IP Right Cessation
- 2011-01-14 CN CN2011800360177A patent/CN103299660A/en active Pending
- 2011-01-14 WO PCT/ZA2011/000002 patent/WO2012012810A1/en active Application Filing
- 2011-01-14 EP EP11719142.9A patent/EP2599268A1/en not_active Withdrawn
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1999066746A2 (en) * | 1998-06-15 | 1999-12-23 | Nokia Networks Oy | A method for delivering messages in a wireless communications system using the same protocol for all types of messages |
US20010053687A1 (en) * | 2000-06-16 | 2001-12-20 | Timo Sivula | Method for addressing billing in a message service, messaging service system, server and terminal |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN103327155A (en) * | 2013-06-13 | 2013-09-25 | 青岛百灵信息科技有限公司 | Novel mobile phone mode for courier |
CN104778576A (en) * | 2015-03-13 | 2015-07-15 | 上海灵兮信息科技有限公司 | Method for automatically initializing accounting data set by using account balance report |
Also Published As
Publication number | Publication date |
---|---|
ZA201006747B (en) | 2011-05-25 |
BR112012032528A2 (en) | 2016-11-22 |
CN103299660A (en) | 2013-09-11 |
EP2599268A1 (en) | 2013-06-05 |
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