CN101354805B - Bank interface machine, automatic recharging method and system - Google Patents

Abstract

The invention relates to an automatic rechargeable method and an automatic rechargeable system through a bank interface message processor. The automatic rechargeable method comprises the following steps of receiving a first automatic rechargeable request message which is sent by a telecommunication service platform and carries a telecommunication account number and rechargeable amount; confirming a bank account message corresponding to the telecommunication account number, adding the bank account message in the first automatic rechargeable request message to generate a second automatic rechargeable request message, and sending the second automatic rechargeable request message to a bank system; and receiving an automatic rechargeable response message returned by the bank system, and forwarding the automatic rechargeable response message to the telecommunication service platform. The method realizes the effective isolation between telecommunication networks and bank networks through the bank interface message processor, can improve the safety of message storage by storing the bank account message in the bank interface message processor, and effectively reduces the safety risk of the system.

Description

Bank interface machine, automatic recharging method and system

technical field

The invention relates to communication technology, in particular to a bank interface machine, an automatic charging method and system.

Background technique

In the process of using telecommunication services, there are many ways for users to pay fees to operators, for example, paying cash at business halls, purchasing valuable recharge cards for recharging, and bank recharging.

Now there is an automatic recharge method. The user provides the bank account number to the operator. When the user's balance is insufficient, the operator's telecommunications service platform automatically initiates a transfer request to the bank, and recharges the money from the user's bank account to the user on the telecommunications platform. in the account. This method needs to establish a connection between the telecommunications service platform and the banking system. The telecommunications service platform stores the user's telecommunications account information, associated bank account number, password and other information, and provides a process trigger mechanism. When the trigger condition is met, for example When the user's balance is less than the specified threshold, the telecommunications service platform automatically triggers the bank recharge process, sends a recharge request to the banking system, and the request carries user information, the user's account number on the telecommunications platform, and the user's bank account number and password. After the banking system authenticates the information, a certain amount is deducted from the bank account, and a successful recharge message is returned to the telecommunications service platform; the telecommunications service platform adds the recharge amount to the user's telecommunications account. The process of the existing automatic recharge method is as follows:

Step A1, the telecommunications service platform implements an automatic scanning mechanism to automatically determine whether the balance of the user's telecommunications account is lower than the preset automatic recharge threshold;

Step A2: The telecommunications service platform judges whether the balance of the user's telecommunications account is lower than the automatic recharge threshold. If so, the telecommunications service platform retrieves the associated bank account number and password in the local database according to the user's telecommunications account number, as well as the pre-set automatic recharge amount, and assembles the message Initiate an automatic recharge request to the bank; otherwise, do not process;

Step A3: After the bank system receives the automatic recharge request, it searches the database on the bank side according to the bank account number and password in the request, performs authentication, and determines whether the account password is correct and whether the account balance is sufficient for this recharge; if authenticated If it passes, the amount required for recharging will be frozen in the bank account, and an automatic recharging response message will be returned to the telecommunications service platform; if the authentication fails, a recharging failure message will be returned to the telecommunications service platform;

Step A4: After receiving the automatic recharge response message returned by the banking system, the telecommunications service platform judges the recharge result in the message; if the result is that the recharge fails, then the automatic recharge fails this time; if the result is that the recharge is successful, the recharge amount is increased to In the user's telecommunications account, and send a successful recharge notification message to the banking system;

Step A5: After receiving the successful recharge notification message, the banking system deducts the previously frozen recharge amount; sends a recharge successful response to the telecommunications platform.

In the existing automatic recharging method, the user's bank account number and password information are stored on the telecommunications service platform, which has certain security risks; because the security level of the telecommunications system is lower than that of the banking system, leaks may occur; once the user If your bank account password information is stolen, it may cause heavy losses to users.

Contents of the invention

The technical problem to be solved by the embodiments of the present invention is to provide a bank interface machine and an automatic recharging method to reduce possible security risks in the automatic recharging business.

In order to solve the above technical problems, an embodiment of the present invention provides an automatic recharging method, including:

Receive the first automatic recharge request message carrying the telecommunication account number and the recharge amount sent by the telecommunication service platform;

Determine the bank account information corresponding to the telecommunications account, add the bank account information to the first automatic recharge request message, generate a second automatic recharge request message, and send the second automatic recharge request message to the banking system;

receiving an automatic recharge response message returned by the banking system, and forwarding the automatic recharge response message to the telecommunications service platform.

In order to solve the above technical problems, the embodiment of the present invention also provides a bank interface machine, including:

The receiving module is used to receive messages sent by the telecommunications service platform and the banking system;

The sending module is used to send messages to the telecommunications service platform and the banking system;

Correspondence database, used to store the correspondence between telecom account and bank account information;

A retrieval module, configured to retrieve corresponding bank account information according to the telecommunications account number carried in the received first automatic recharge request message;

An automatic recharge request module, configured to add the bank account information retrieved by the retrieval module to the first automatic recharge request message, generate a second automatic recharge request message, and send the first automatic recharge request message to the banking system through a sending module 2. Automatic recharge request message;

A forwarding module, configured to forward the message sent by the telecommunication service platform to the banking system, and forward the message sent by the bank system to the telecommunication service platform.

In order to solve the above technical problems, an embodiment of the present invention provides an automatic recharge system, including:

The telecommunications service platform is used for storing the telecommunications account number and the balance of the telecommunications account number, and sending the first automatic recharge request message carrying the telecommunications account number and the recharge amount, and for recharging and authenticating the bank account information corresponding to the telecommunications account number When successful, add the recharge amount to the balance of the telecommunications account;

The banking system is configured to store bank account-related information, and perform recharge authentication on the bank account information carried in the second automatic recharge request message, and deduct the recharge amount from the bank account when the recharge authentication is successful;

The bank interface machine is used to store the corresponding relationship between the telecommunication account number and the bank account and forward messages between the telecommunication service platform and the banking system, and to retrieve the corresponding bank account information according to the telecommunication account number, and add the retrieved bank account information to From the first automatic recharge request message, generate a second automatic recharge request message and send it to the bank system.

The embodiment of the present invention realizes the effective isolation of the telecommunication network and the bank network through the bank interface machine; storing the user's bank account information on the bank interface machine can improve the security of information storage; thereby effectively reducing the security risk of the system.

The technical solutions of the present invention will be described in further detail below with reference to the accompanying drawings and embodiments.

Description of drawings

Fig. 1 is a schematic structural diagram of an automatic recharging system according to an embodiment of the present invention;

Fig. 2 is the first structural schematic diagram of the bank interface machine of the embodiment of the present invention;

Fig. 3 is the second structural schematic diagram of the bank interface machine of the embodiment of the present invention;

Fig. 4 is the first flowchart of the automatic recharging method according to the embodiment of the present invention;

5 is a second flow chart of the automatic recharging method according to the embodiment of the present invention;

6 is a third flow chart of the automatic recharging method according to the embodiment of the present invention;

Fig. 7 is the flowchart of opening the automatic recharging business of the automatic recharging method of the embodiment of the present invention;

Fig. 8 is a flow chart of canceling the automatic recharging service of the automatic recharging method according to the embodiment of the present invention.

Detailed ways

As shown in FIG. 1 , it is a structural schematic diagram of an automatic recharging system according to an embodiment of the present invention. This embodiment includes a telecommunication service platform 10 , a bank interface machine 20 and a bank system 30 . The telecommunication service platform 10 is used to provide telecommunication services, and stores the user's telecommunication account information. The telecommunication account information includes at least the telecommunication account number and the balance of the account. The telecommunication account number is the identification of the telecommunication account. The bank interface machine 20 is located at the side of the bank, and together with the banking system 30 forms a banking service platform. The bank interface machine 20 stores the corresponding relationship between the user's telecommunication account number and bank account information, and forwards messages between the telecommunication service platform 10 and the banking system 30 . In the corresponding relationship stored by the bank interface machine, the bank account information may only include the bank account number, and may also include the bank account number and password, that is, the bank interface machine can store the corresponding relationship between the telecommunication account number and the bank account number, and also store the telecommunication account number and the bank account number and bank account passwords, where the bank account number is an identification of the bank account. The banking system 30 stores various information related to bank accounts, including bank account numbers, passwords, and bank account balances. The banking system 30 performs operations such as authentication, freezing, and deduction of bank accounts.

The telecommunication service platform 10 automatically scans each telecommunication account, and judges whether the balance of the telecommunication account is lower than the preset automatic recharge threshold, and when the balance is lower than the automatic recharge threshold and automatic recharge is required, the telecommunication service platform 10 sends a The first automatic recharge request, which at least carries the telecommunication account number to be recharged and the recharge amount. After the bank interface machine 20 receives the first automatic recharge request sent by the telecommunications service platform 10, it retrieves the corresponding bank account information according to the telecommunications account number, adds the retrieved bank account information to the first automatic recharge request message, and generates a second automatic recharge request message. The recharge request message is sent to the bank system 30. The bank system 30 performs recharge authentication on the bank account information, and when the authentication is successful, the bank system 30 deducts the recharge amount from the bank account. The message indicating that the recharge authentication is successful is sent to the telecommunications service platform 10 through the bank interface machine 20, and the telecommunications service platform 10 adds the recharge amount to the balance of the telecommunications account.

In this embodiment, a bank interface machine is set on the bank side, and the bank interface machine forwards messages between the telecommunication service platform and the banking system, thereby realizing the effective isolation of the telecommunication network and the bank network; storing the corresponding relationship between the user's telecommunication account and the bank account On the bank interface machine, changing the storage location and transmission process of key information can improve the security of information storage and transmission, thereby effectively reducing the security risk of the system.

As shown in FIG. 2 , it is a schematic diagram of the first structure of the bank interface machine according to the embodiment of the present invention. The bank interface machine in this embodiment includes: a receiving module 21 , a sending module 22 , a corresponding relationship database 23 , a retrieval module 24 , an automatic recharge request module 25 and a forwarding module 26 .

The receiving module 21 is used for receiving messages sent by the telecommunication service platform and the banking system. The sending module 22 is used for sending messages to the telecommunications service platform and the banking system. The correspondence database 23 is used to store correspondences between telecommunication account numbers and bank account information; wherein, the bank account information may include bank account numbers and passwords. The retrieval module 24 is configured to retrieve the corresponding bank account information in the corresponding relationship database 23 according to the telecommunications account number carried in the received first automatic recharging request message. The automatic recharge request module 25 is used to add the bank account information retrieved by the retrieval module 24 from the corresponding relationship database 23 to the first automatic recharge request message, generate a second automatic recharge request message, and send the second automatic recharge request message to the banking system 30 through the sending module 22. 2. Automatic recharge request message. The forwarding module 26 is used for forwarding the message sent by the telecommunication service platform to the banking system, and forwarding the message sent by the bank system to the telecommunication service platform.

As shown in FIG. 3 , it is a schematic diagram of the second structure of the bank interface machine according to the embodiment of the present invention. In this embodiment, on the basis of the embodiment shown in FIG. 2 , a service enabling module 27 and a service canceling module 28 are further added. The business opening module 27 is used for opening the automatic recharge service. When the banking system successfully authenticates the bank account information corresponding to the telecommunications account number applying for opening the automatic recharge service, the service opening module 27 then combines the telecommunications account number with the bank account information. The corresponding relationship is recorded in the corresponding relationship database 23 of the bank interface machine. The business cancellation module 28 is used to cancel the automatic recharge service. After receiving the automatic recharge cancellation application message carrying the telecom account number and bank account information, the business cancellation module 28 queries the corresponding relationship database 23 of the bank interface machine, and compares the telecom account number with the bank account information. The corresponding relationship of account information is set to invalid. The bank interface machine of this embodiment realizes the activation and cancellation of the automatic recharge service.

As shown in FIG. 4 , it is the first flow chart of the automatic recharging method according to the embodiment of the present invention. In this embodiment, the bank interface machine performs the following steps:

Step S101, receiving the first automatic recharge request message carrying the telecommunication account number and the recharge amount sent by the telecommunication service platform;

Step S102, determining the bank account information corresponding to the telecommunications account;

Step S103, adding bank account information corresponding to the telecommunications account number to the first automatic recharge request message, and generating a second automatic recharge request message;

Step S104, sending a second automatic recharging request message to the banking system;

Step S105, receiving the automatic recharge response message returned by the banking system;

Step S106, forwarding the automatic recharge response message to the telecommunications service platform.

In this embodiment, the bank interface machine forwards messages between the telecommunication service platform and the banking system, realizing the effective isolation of the telecommunication network and the bank network; To determine the bank account information corresponding to the telecommunications account, in this way, the security of information storage can be improved, thereby effectively reducing the security risk of the system.

As shown in FIG. 5 , it is a second flow chart of the automatic recharging method according to the embodiment of the present invention. This embodiment includes the following steps:

Step S201, the telecommunications service platform automatically scans the telecommunications account to determine whether the balance of the telecommunications account is lower than the preset automatic recharge threshold, and if the balance of the telecommunications account is lower than the automatic recharge threshold, then execute step S202;

Step S202, the telecommunication service platform sends the first automatic recharge request message carrying the telecommunication account number and the recharge amount to the bank interface machine;

Step S203, the bank interface machine retrieves the bank account information corresponding to the telecommunications account in the corresponding relationship database, adds the retrieved bank account information to the first automatic recharge request message, generates a second automatic recharge request message, and sends the second automatic recharge request message to the banking system. Automatic recharge request message; bank account information may include bank account number and password;

Step S204, the bank system performs recharge authentication on the bank account information, and if the recharge authentication succeeds, execute step S205;

Step S205, the bank system deducts the recharge amount from the bank account, generates an automatic recharge response message carrying the recharge authentication result, and sends it to the bank interface machine;

Step S206, the bank interface machine receives the automatic recharge response message, and forwards it to the telecommunications service platform;

Step S207, the telecommunications service platform judges that the recharge authentication result is successful, and adds the recharge amount to the balance of the telecommunications account.

This embodiment realizes the automatic recharging of the telecommunication account; the bank interface machine forwards messages between the telecommunication service platform and the banking system, and stores the corresponding relationship between the user's telecommunication account and the bank account on the bank interface machine, which is effective in the telecommunication network and the bank network. At the same time, the isolation improves the security of information storage, thus effectively reducing the security risk of the system.

After the recharge authentication is successful, the banking system may not deduct the recharge amount first, but deduct the recharge amount from the bank account after the telecommunications service platform recharges successfully. At this time, after the recharge is successful, the telecommunications service platform needs to send a recharge success message to the banking system through the bank interface machine. In this way, it can be avoided that the banking system has deducted the recharge amount due to network communication failures and other reasons, but the telecom service platform has not received an automatic recharge response that the authentication result is successful and has not added the recharge amount to the telecom account.

The telecommunications service platform can scan telecommunications accounts in various situations as required, for example, when dealing with telecommunications accounts on a regular basis, or in a certain period, or when the business volume is low.

The automatic recharge threshold and the recharge amount each time can be set by the user or by the telecom operator.

As shown in FIG. 6 , it is the third flow chart of the automatic recharging method according to the embodiment of the present invention.

Step S301, the telecommunications service platform automatically scans the telecommunications account to determine whether the balance of the telecommunications account is lower than the preset automatic recharge threshold, and if the balance of the telecommunications account is lower than the automatic recharge threshold, then execute step S302;

Step S302, the telecommunications service platform sends a first automatic recharge request message to the bank interface machine; the first automatic recharge request message carries the account number and recharge amount of the telecommunications account whose balance is lower than the automatic recharge threshold;

Step S303: After receiving the first automatic recharge request message, the bank interface machine retrieves the bank account information corresponding to the telecommunications account in the corresponding relationship database, and if the retrieval fails, returns a recharge failure message to the telecommunications service platform; if the retrieval is successful, executes step S303. 304;

Step S304, the bank interface machine adds the retrieved bank account information to the first automatic recharge request message, generates a second automatic recharge request message, and sends the second automatic recharge request message to the banking system; the bank account information may include the bank account number and password;

Step S305, the bank system performs recharge authentication on the bank account information; the bank system retrieves the database on the bank side according to the bank account number and password carried in the second automatic recharge request message, judges whether the password is correct, and judges the balance of the bank account according to the recharge amount Whether it is enough for the recharge, if the recharge authentication is successful, execute step S306; otherwise, return the automatic recharge response message that the recharge result is failure to the bank interface machine;

Step S306, the bank system freezes the recharge amount required for recharge in the bank account, and returns an automatic recharge response message indicating that the recharge result is successful to the bank interface machine;

Step S307, after the bank interface machine receives the automatic recharge response message, it forwards the message to the telecommunications service platform;

Step S308, the telecommunications service platform judges whether the recharge result in the automatic recharge response message is successful, if so, execute step S309; otherwise, the automatic recharge fails this time;

Step S309, the telecommunications service platform adds the recharge amount to the balance of the telecommunications account, and sends a recharge success notification message to the bank interface machine;

Step S310, the bank interface machine forwards the message to the banking system after receiving the recharge success notification message sent by the telecommunication service platform;

Step S311, after the bank system receives the recharge success notification message, it deducts the previously frozen recharge amount, and returns a recharge success response message to the bank interface machine;

Step S312: After receiving the recharge success response message sent by the banking system, the bank interface machine forwards the message to the telecommunications service platform.

In this embodiment, after the bank system successfully authenticates the recharge of the bank account information, it first freezes the recharge amount in the bank account, and then deducts the recharge amount when receiving a notification of successful recharge sent by the telecommunications service platform. In this way, when the recharge authentication is successful but the recharge of the telecommunications service platform is unsuccessful due to communication failures, equipment failures, etc., if the banking system does not receive the recharge success notification message returned by the telecommunications service platform, it will not send the recharge The amount is deducted from the bank account, thus avoiding the mistaken deduction of the recharge amount of the bank account. Moreover, freezing the recharge amount in advance can also avoid the occurrence of insufficient balance in the bank account when the recharge amount is deducted due to some other bank account operations performed between the successful recharge authentication and the receipt of the recharge success notification message.

As shown in FIG. 7 , it is a flow chart of activating the automatic recharge service of the automatic recharge method according to the embodiment of the present invention. This embodiment includes the following steps:

Step S401, the telecommunications service platform sends an automatic recharge activation application message carrying the telecommunications account number and bank account information to the bank interface machine;

Step S402, the bank interface machine forwards the application message for opening automatic recharge to the banking system;

Step S403, the bank system performs activation authentication on the bank account information, judges whether the account password of the bank account is correct, and returns the activation authentication result to the bank interface machine;

Step S404, the bank interface machine judges whether the authentication result returned by the banking system is successful, if so, execute step S405; otherwise, execute step S406;

Step S405, the bank interface machine records the corresponding relationship between the telecommunications account number and the bank account information in the corresponding relationship database, and returns the automatic recharge activation success message to the telecommunications service platform;

Step S406, the bank interface machine returns a message of failure to activate the automatic recharge service to the telecommunications service platform.

This embodiment realizes the automatic activation of the automatic recharging service. The bank interface machine receives the automatic recharge activation application message carrying the telecom account number and bank account information sent by the telecommunications service platform, forwards it to the banking system, and then receives the activation authentication result returned by the banking system. If the activation authentication is successful, it records the telecommunications The corresponding relationship between the account number and the bank account information, and return the automatic recharge activation success message to the telecommunications service platform. During the opening process, the bank interface machine records the corresponding relationship between the telecommunications account and the bank account information, which enhances the security of information storage. Through this embodiment, the user can apply for opening the automatic recharge service through the acceptance channels of the telecommunication operator, such as business halls and customer service centers.

In addition, users can also apply for automatic recharge service through the banking system. The user provides the telecom account number and bank account information to the banking system, and the banking system can authenticate the opening of the bank account. If the authentication is passed, the telecom account number and bank account information can be sent to the bank interface machine and recorded by the bank interface machine. Correspondence between telecom account number and bank account information.

As shown in FIG. 8 , it is a flow chart of canceling the automatic recharging service of the automatic recharging method according to the embodiment of the present invention. This embodiment includes the following steps:

Step S501, the telecommunications service platform sends an automatic recharge cancellation application message carrying the telecommunications account number and bank account information to the bank interface machine;

Step S502, the bank interface machine queries the corresponding relationship database, and judges whether the corresponding relationship between the telecommunication account number and the bank account is recorded, and if found, executes step S503; otherwise, executes step S504;

Step S503, the bank interface machine sets the corresponding relationship between the telecommunication account number and the bank account information as invalid, and returns an automatic recharge cancellation success message to the telecommunication service platform;

Step S504, the bank interface machine returns a message of failure to cancel the automatic recharge to the telecommunications service platform.

This embodiment realizes the automatic cancellation of the automatic recharging service. After the bank interface machine receives the automatic recharge cancellation application message carrying the telecom account number and bank account information sent by the telecom service platform, it inquires about the corresponding relationship between the telecom account number and the bank account information, sets the corresponding relationship as invalid, and reports to the telecom service platform Returns the successful message of automatic recharge cancellation. Through this embodiment, the user can apply for canceling the automatic recharge service through the acceptance channels of the telecommunications operator, such as business halls and customer service centers.

In addition, users can also apply to cancel the automatic recharge service through the banking system. The user provides the telecom account number and bank account information to the banking system, and the banking system generates and sends an automatic recharge cancellation application message carrying the telecom account number and bank account information to the bank interface machine. The corresponding relationship between bank account information and bank account information is set to invalid, so that the automatic recharge service can be canceled through the banking system.

The embodiment of the present invention realizes the effective isolation of the telecommunication network and the bank network through the bank interface machine; storing the user's bank account information on the bank interface machine can improve the security of information storage; thereby effectively reducing the security risk of the system.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and not to limit them; although the present invention has been described in detail with reference to the preferred embodiments, those of ordinary skill in the art should understand that the present invention can still be Modifications to the specific implementation of the invention or equivalent replacement of some technical features; without departing from the spirit of the technical solution of the present invention, should be included in the scope of the technical solution claimed in the present invention.

Claims (14)

1. An automatic recharging method, characterized in that, the automatic recharging method comprises: Receive the first automatic recharge request message carrying the telecommunication account number and the recharge amount sent by the telecommunication service platform; Determine the bank account information corresponding to the telecommunications account, add the bank account information to the first automatic recharge request message, generate a second automatic recharge request message, and send the second automatic recharge request message to the banking system; receiving an automatic recharge response message returned by the banking system, and forwarding the automatic recharge response message to the telecommunications service platform. 2. The automatic recharging method according to claim 1, characterized in that before receiving the first automatic recharging request message sent by the telecommunication service platform and carrying the telecommunication account number and the recharge amount, it also includes: scanning the telecommunication account by the telecommunication service platform, Judging whether the balance of the telecommunications account is lower than a preset recharge threshold, and when the balance of the telecommunications account is lower than the recharge threshold, the telecommunications service platform sends the first automatic recharge request. 3. The automatic recharging method according to claim 1, characterized in that, after sending the second automatic recharging request message to the bank system, it further comprises: the bank system performs recharge authentication on the bank account information, Carry the recharge authentication result in the automatic recharge response message and send the automatic recharge response message. 4. The automatic recharging method according to claim 3, wherein the recharging authentication specifically includes: searching in the bank database according to the bank account information in the second automatic recharging request message, and judging the bank account information Whether it is correct, and judge whether the balance of the bank account is sufficient according to the recharge amount, if the bank account information is correct and the bank account balance is sufficient, the recharge authentication is successful. 5. The automatic recharging method according to claim 3, characterized in that, when the recharging authentication result is successful, the telecommunications service platform adds the recharging amount to the balance of the telecommunications account, the The banking system deducts the top-up amount from the bank account. 6. The automatic recharge method according to claim 3, further comprising: freezing the recharge amount in the bank account by the bank system before sending the automatic recharge response message. 7. The automatic recharging method according to claim 1, characterized in that, before the telecommunication service platform sends the first automatic recharging request message to the bank interface machine, it further comprises: the step of activating the automatic recharging service. 8. The automatic recharge method according to claim 7, characterized in that, the step of opening the automatic recharge service is specifically: receiving the automatic recharge activation application message carrying the information of the telecommunication account number and the bank account sent by the telecommunication service platform, and forwarding it to the banking system; receiving the activation authentication result returned by the banking system; If the activation authentication result is successful, record the corresponding relationship between the telecommunications account number and the bank account information, and return an automatic recharge activation success message to the telecommunications service platform. 9. The automatic recharging method according to claim 1, further comprising the step of canceling the automatic recharging service. 10. The automatic recharge method according to claim 9, wherein the step of canceling the automatic recharge service is specifically: receiving the automatic recharge cancellation application message carrying the telecom account number and bank account information sent by the telecom service platform; Querying the corresponding relationship between the telecommunications account number and the bank account information, setting the corresponding relationship as invalid, and returning an automatic recharge cancellation success message to the telecommunications service platform. 11. A bank interface machine, characterized in that the bank interface machine comprises: The receiving module is used to receive messages sent by the telecommunications service platform and the banking system; The sending module is used to send messages to the telecommunications service platform and the banking system; Correspondence database, used to store correspondence between telecom account numbers and bank account information; A retrieval module, configured to retrieve corresponding bank account information according to the telecommunications account number carried in the received first automatic recharge request message; An automatic recharge request module, configured to add the bank account information retrieved by the retrieval module to the first automatic recharge request message, generate a second automatic recharge request message, and send the first automatic recharge request message to the banking system through a sending module 2. Automatic recharge request message; A forwarding module, configured to forward the message sent by the telecommunication service platform to the banking system, and forward the message sent by the bank system to the telecommunication service platform. 12. The bank interface machine according to claim 11, characterized in that, the bank interface machine further comprises: The business opening module is used to record the corresponding relationship between the telecommunications account and the bank account information in the corresponding in a relational database. 13. The bank interface machine according to claim 11 or 12, characterized in that the bank interface machine further comprises: The business cancellation module is configured to query the correspondence database and set the correspondence between the telecommunications account and the bank account information as invalid after receiving the automatic recharge cancellation application message carrying the information of the telecommunications account and the bank account. 14. An automatic recharge system, characterized in that the automatic recharge system includes: The telecommunications service platform is used for storing the telecommunications account number and the balance of the telecommunications account number, and sending the first automatic recharge request message carrying the telecommunications account number and the recharge amount, and for recharging and authenticating the bank account information corresponding to the telecommunications account number When successful, add the recharge amount to the balance of the telecommunications account; The banking system is configured to store bank account-related information, perform recharge authentication on the bank account information carried in the second automatic recharge request message, and deduct the recharge amount from the bank account when the recharge authentication succeeds; The bank interface machine is used to store the corresponding relationship between the telecommunication account number and the bank account and forward messages between the telecommunication service platform and the banking system, and to retrieve the corresponding bank account information according to the telecommunication account number, and add the retrieved bank account information to From the first automatic recharge request message, generate a second automatic recharge request message and send it to the bank system.

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