CN101520925A - System and method for realizing interactive mode credit payment through mobile phone terminal - Google Patents
System and method for realizing interactive mode credit payment through mobile phone terminal Download PDFInfo
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- CN101520925A CN101520925A CN200810224750A CN200810224750A CN101520925A CN 101520925 A CN101520925 A CN 101520925A CN 200810224750 A CN200810224750 A CN 200810224750A CN 200810224750 A CN200810224750 A CN 200810224750A CN 101520925 A CN101520925 A CN 101520925A
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Abstract
The invention provides a system and a method for realizing the interactive mode credit payment through a mobile phone terminal. An interactive mode credit payment system can push a message to the mobile phone terminal of a bank user at set time before the due payment date of the bank user; and the user replies to a reply message through the mobile phone terminal so as to safely realize the accounts transfer from a bank deposit account number of the user to a lending bank account number or a credit card account number, while the bank deposit account number and the lending bank account number or the credit card account number can be distributed in different commercial banks.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of system and method for realizing interactive mode credit payment by mobile telephone terminal.The present invention provides by mobile telephone terminal the business of the transfer of financial resources of its cash in banks number of the account A to other Bank Account Numbers by the corresponding relation that the system at interactive mode credit payment sets up Mobile Directory Number and cash in banks number of the account A.Described other Bank Account Numbers are meant the Bank Account Number outside the cash in banks number of the account A, for example credit card account, loan number of the account etc.
Background technology
In present financial field, the user often handles various reimbursement business, the refund of for example credit card refund, loan etc., the free restriction owing to refund, exceed the credit that the restriction of refunding not only influences the user, also increase user's financial cost, early than the refund time, can reduce the income of user's fund, it is very important guaranteeing in time to refund, but there is not the timely refund transactional services at the user in present financial service, particularly for credit card account in a tame bank, and Deposit Account Number is the user of another bank of family, and the formality that its credit card is refunded is more loaded down with trivial details.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, a kind of system and method for realizing interactive mode credit payment by mobile telephone terminal is provided, main pattern is: the system by interactive mode credit payment initiates PUSH information the designated time before user's refund expires to the user's mobile phone terminal, the user replys response message by mobile telephone terminal, realizes the transferred account service of described user's cash in banks number of the account to other Bank Account Numbers.
Technical scheme of the present invention is as follows:
A kind of system by mobile telephone terminal realization interactive mode credit payment is characterized in that, comprises mobile telephone terminal, Mobile Access Gateway equipment, bank card business dealing gateway device, interactive mode credit payment database server; Described mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by the interconnection of mobile communications network and interactive mode credit payment database server, is used to realize the information interaction between interactive mode credit payment database server and the mobile telephone terminal; The bank card business dealing gateway device is by data network and the interconnection of interactive mode credit payment database server, be used to realize the information interaction between interactive mode credit payment database server and the bank card business dealing gateway device, realizing Bank Account Number transferring accounts between the number of the account in the middle of the system, and realization system centre number of the account transferring accounts to the purpose Bank Account Number; Described interactive mode credit payment database server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the Bank Account Number, be used to set up the corresponding relation database table between user's Bank Account Number and the mode credit payment Bank Account Number, be used for for the mode credit payment Bank Account Number that arrives the designated time, Mobile Directory Number to the association of described mode credit payment Bank Account Number sends mutual refund instruction, instruct according to the mutual refund that the mobile telephone terminal that receives is replied, the Bank Account Number of realization mode credit payment Bank Account Number correspondence is transferred accounts to the middle number of the account of system, and number of the account transferring accounts to the mode credit payment Bank Account Number in the middle of the realization system.
Number of the account is a bank card account number of serving mode credit payment in the middle of the described system.
Described bank card business dealing gateway device connects the Bank Account Number transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network, the Bank Account Number that is used to realize the initiation of interactive mode credit payment database server is to transferring accounts between the middle number of the account of system, and the middle number of the account of system the transferring accounts to the purpose Bank Account Number of realizing the initiation of interactive mode credit payment database server.
Described bank card business dealing gateway device is meant the bank card business dealing gateway database server of China Unionpay.
A kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on middle number of the account in the row is characterized in that, may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, the interactive mode credit payment database server sends refund information to described Bank Account Number user's mobile phone terminal;
B. the user replys response message to the interactive mode credit payment database server by mobile telephone terminal;
C. the interactive mode credit payment database server is according to the dealing money of confirming in the response message, and the bank transaction system of bank is initiated the operation of transferring accounts that the amount of money is described Bank Account Number centre number of the account in the row of described dealing money under described Bank Account Number;
D. described bank transaction system returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
If it is unsuccessful e. to transfer accounts, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step i;
F. the interactive mode credit payment database server in the middle of the bank card business dealing gateway device is initiated in the described row that the amount of money is described dealing money number of the account to the operation of transferring accounts of mode credit payment Bank Account Number;
If it is unsuccessful g. to transfer accounts, then to initiate the amount of money to described bank transaction system be the described Bank Account Number of described dealing money the transferring accounts after positive order of centre number of the account in the described row to the interactive mode credit payment database server, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step i;
H. the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
I. mobile telephone terminal is showed transaction results;
J. flow process finishes.
Comprise also among the described step a that the interactive mode credit payment database server is by bank card business dealing gateway device bank under described mode credit payment Bank Account Number refund amount of money of making a credit inquiry.
Among the described step c, the interactive mode credit payment database server is by data network and the interconnection of described bank transaction system; Number of the account is the bank card account number that is used for mode credit payment that bank opens under described Bank Account Number in the middle of in the described row.
A kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on number of the account in the middle of the system is characterized in that, may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, the interactive mode credit payment database server sends refund information to described Bank Account Number user's mobile phone terminal;
B. the user replys response message to the interactive mode credit payment database server by mobile telephone terminal;
C. the interactive mode credit payment database server is according to the dealing money of confirming in the response message, and initiating the amount of money to the bank card business dealing gateway device is the operation of transferring accounts of the described Bank Account Number of described dealing money to the middle number of the account of system;
D. the bank card business dealing gateway device returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
If it is unsuccessful E. to transfer accounts, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step I;
F. the interactive mode credit payment database server is the transfer accounts operation of the middle number of the account of system of described dealing money to the mode credit payment Bank Account Number to the bank card business dealing gateway device initiation amount of money;
If it is unsuccessful G. to transfer accounts, then the interactive mode credit payment database server is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of described system that the amount of money is described dealing money to the bank card business dealing gateway device, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step I;
H. the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
I. mobile telephone terminal is showed transaction results;
J. flow process finishes.
A kind of implementation method by the interactive remittance of mobile telephone terminal realization is characterized in that, may further comprise the steps:
(1) user initiates instruction to purpose Bank Account Number remittance by mobile telephone terminal to the interactive mode credit payment database server;
(2) the interactive mode credit payment database server is according to the dealing money in the instruction, and initiating the amount of money to the bank card business dealing gateway device is that the Bank Account Number of mobile telephone terminal telephone number correspondence of described dealing money is to the operation of transferring accounts of system's centre number of the account;
(3) the bank card business dealing gateway device returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
(4) if transfer accounts unsuccessful, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step (eight);
(5) the interactive mode credit payment database server is the transfer accounts operation of the middle number of the account of system of described dealing money to described purpose Bank Account Number to the bank card business dealing gateway device initiation amount of money;
(6) if transfer accounts unsuccessful, then the interactive mode credit payment database server is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of system that the amount of money is described dealing money to the bank card business dealing gateway device, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step (eight);
(7) the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
(8) mobile telephone terminal is showed transaction results;
(9) flow process finishes.
Communication mode in the described step () between mobile telephone terminal and the interactive mode credit payment database server is a short message, or WAP, or IVR, or WEB.
Technique effect of the present invention is as follows:
The system of interactive mode credit payment of the present invention initiates PUSH information the designated time before the refund of bank-user expires to described user's mobile phone terminal, described user replys response message by mobile telephone terminal, can realize described user's cash in banks number of the account transferring accounts to its lending bank's number of the account or credit card account safely.
Description of drawings
Fig. 1 is the system architecture synoptic diagram of the realization interactive mode credit payment of number of the account in the middle of the system that the present invention is based on.
Fig. 2 is the system architecture synoptic diagram of the realization interactive mode credit payment of number of the account in the middle of the present invention is based in the row.
Fig. 3 is the system construction drawing of the embodiment of the invention one.
Embodiment
Fig. 1 is based on the system architecture synoptic diagram of the realization interactive mode credit payment of the middle number of the account of system, wherein:
Interactive mode credit payment database server 100 is by mobile communications network 170 and 110 interconnection of Mobile Access Gateway equipment;
Interactive mode credit payment database server 100 is by data network 150 and 130 interconnection of bank card business dealing gateway device;
Adopt TCP/IP to communicate between interactive mode credit payment database server 100 and the bank card business dealing gateway device 130, preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
Adopt the communication protocol of mobile operator appointment to communicate between interactive mode credit payment database server 100 and the Mobile Access Gateway equipment 110, preferably, adopt the SMPP agreement for short message service, adopt the SS7 agreement, adopt http protocol for data service for signaling traffic; Mobile Access Gateway equipment 110 adopts the standard agreement of mobile communication wireless part to communicate with mobile telephone terminal 120.
A kind of system by mobile telephone terminal realization interactive mode credit payment comprises: mobile telephone terminal 120, Mobile Access Gateway equipment 110, bank card business dealing gateway device 130, interactive mode credit payment database server 100.
Wherein:
Bank card business dealing gateway device 130 is by data network 150 and 100 interconnection of interactive mode credit payment database server, be used to realize the information interaction between interactive mode credit payment database server 100 and the bank card business dealing gateway device 130, realizing Bank Account Number transferring accounts between the number of the account in the middle of the system, and realization system centre number of the account transferring accounts to the purpose Bank Account Number;
Interactive mode credit payment database server 100 is Computer Database application servers, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the Bank Account Number, be used to set up the corresponding relation database table between user's Bank Account Number and the mode credit payment Bank Account Number, be used for for the mode credit payment Bank Account Number that arrives the designated time, Mobile Directory Number to the association of described mode credit payment Bank Account Number sends mutual refund instruction, instruct according to the mutual refund that the mobile telephone terminal 120 that receives is replied, the Bank Account Number of realization mode credit payment Bank Account Number correspondence is transferred accounts to the middle number of the account of system, and number of the account transferring accounts to the mode credit payment Bank Account Number in the middle of the realization system.
Number of the account is a bank card account number of serving mode credit payment in the middle of the described system.
The system architecture synoptic diagram of the realization interactive mode credit payment of number of the account in the middle of Fig. 2 is based in the row.
Described bank card business dealing gateway device 130 connects the bank transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network 150, the Bank Account Number that is used to realize 100 initiations of interactive mode credit payment database server is to transferring accounts between the middle number of the account of system, and the middle number of the account of system the transferring accounts to the purpose Bank Account Number of realizing 100 initiations of interactive mode credit payment database server.
Described bank card business dealing gateway device 130 is meant the bank card business dealing gateway database server of China Unionpay.
A kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on middle number of the account in the row may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, interactive mode credit payment database server 100 sends refund information to described Bank Account Number user's mobile phone terminal 120;
B. the user replys response message to interactive mode credit payment database server 100 by mobile telephone terminal 120;
C. interactive mode credit payment database server 100 is according to the dealing money of confirming in the response message, and the bank transaction system 140 of bank is initiated the operation of transferring accounts that the amount of money are described Bank Account Number centre number of the account in the row of described dealing money under described Bank Account Number;
D. bank transaction system 140 returns the operating result of transferring accounts and gives interactive mode credit payment database server 100;
If it is unsuccessful e. to transfer accounts, after then interactive mode credit payment database server 100 sends the unsuccessful message of transaction for mobile telephone terminal 120, execution in step i;
F. interactive mode credit payment database server 100 in the middle of bank card business dealing gateway device 130 is initiated in the described row that the amount of money are described dealing money number of the account to the operation of transferring accounts of mode credit payment Bank Account Number;
If it is unsuccessful g. to transfer accounts, then to initiate the amount of money to bank transaction system 140 be the described Bank Account Number of described dealing money the transferring accounts after positive order of centre number of the account in the described row to interactive mode credit payment database server 100, after sending the unsuccessful message of transaction for mobile telephone terminal 120, execution in step i;
H. interactive mode credit payment database server 100 sends the message of Transaction Success for mobile telephone terminal 120;
I. mobile telephone terminal 120 is showed transaction results;
J. flow process finishes.
Comprise also among the described step a that interactive mode credit payment database server 100 is by bank card business dealing gateway device 130 bank under described mode credit payment Bank Account Number refund amount of money of making a credit inquiry.
Among the described step c, interactive mode credit payment database server 100 is by data network 150 and bank transaction system 140 interconnection; Number of the account is the bank card account number that is used for mode credit payment that bank opens under described Bank Account Number in the middle of in the described row.
A kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on number of the account in the middle of the system may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, interactive mode credit payment database server 100 sends refund information to described Bank Account Number user's mobile phone terminal 120;
B. the user replys response message to interactive mode credit payment database server 100 by mobile telephone terminal 120;
C. interactive mode credit payment database server 100 is according to the dealing money of confirming in the response message, and initiating the amount of money to bank card business dealing gateway device 130 is the operation of transferring accounts of the described Bank Account Number of described dealing money to the middle number of the account of system;
D. bank card business dealing gateway device 130 returns the operating result of transferring accounts and gives interactive mode credit payment database server 100;
If it is unsuccessful E. to transfer accounts, after then interactive mode credit payment database server 100 sends the unsuccessful message of transaction for mobile telephone terminal 120, execution in step I;
F. interactive mode credit payment database server 100 is the transfer accounts operation of the middle number of the account of system of described dealing money to the mode credit payment Bank Account Number to the bank card business dealing gateway device 130 initiation amount of money;
If it is unsuccessful G. to transfer accounts, then interactive mode credit payment database server 100 is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of described system that the amount of money is described dealing money to bank card business dealing gateway device 130, after sending the unsuccessful message of transaction for mobile telephone terminal 120, execution in step I;
H. interactive mode credit payment database server 100 sends the message of Transaction Success for mobile telephone terminal 120;
I. mobile telephone terminal 120 is showed transaction results;
J. flow process finishes.
A kind of implementation method by the interactive remittance of mobile telephone terminal realization may further comprise the steps:
(1) user passes through the instruction that mobile telephone terminal 120 is initiated to purpose Bank Account Number remittance to interactive mode credit payment database server 100;
(2) interactive mode credit payment database server 100 is according to the dealing money in the instruction, and initiating the amount of money to bank card business dealing gateway device 130 is that the Bank Account Number of mobile telephone terminal 120 telephone number correspondences of described dealing money is to the operation of transferring accounts of system's centre number of the account;
(3) bank card business dealing gateway device 130 returns the operating result of transferring accounts and gives interactive mode credit payment database server 100;
(4) if transfer accounts unsuccessful, after then interactive mode credit payment database server 100 sends the unsuccessful message of transaction for mobile telephone terminal 120, execution in step (eight);
(5) interactive mode credit payment database server 100 is the transfer accounts operation of the middle number of the account of system of described dealing money to described purpose Bank Account Number to the bank card business dealing gateway device 120 initiation amount of money;
(6) if transfer accounts unsuccessful, then interactive mode credit payment database server 100 is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of system that the amount of money is described dealing money to bank card business dealing gateway device 130, after sending the unsuccessful message of transaction for mobile telephone terminal 120, execution in step (eight);
(7) interactive mode credit payment database server 100 sends the message of Transaction Success for mobile telephone terminal 120;
(8) mobile telephone terminal 120 is showed transaction results;
(9) flow process finishes.
Communication mode in the described step () between mobile telephone terminal 120 and the interactive mode credit payment database server 100 is a short message, or WAP, or IVR, or WEB.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 3, Fig. 3 is the system construction drawing of the embodiment of the invention one, wherein:
The bank card business dealing gateway device is the bank card business dealing main frame 230 of China Unionpay's machine room.
Preferably, after interactive mode credit payment database server 100 regularly retrieves the refund time arrival of the mode credit payment Bank Account Number user agreement related with Bank Account Number, for the mode credit payment of determining the amount of money, then directly send the Mobile Directory Number of mode credit payment short message to the Bank Account Number correspondence; Mode credit payment for the uncertain amount of money, interactive mode credit payment database server 100 is by bank card business dealing gateway device 130 bank under described mode credit payment Bank Account Number refund amount of money of making a credit inquiry, and the mode credit payment amount of money that inquires sent to the Mobile Directory Number of Bank Account Number user correspondence by short message.
Preferably, after interactive mode credit payment database server 100 regularly retrieves the refund time arrival of the mode credit payment Bank Account Number user agreement related with Bank Account Number, for the mode credit payment of determining the amount of money, then directly send the Mobile Directory Number of mode credit payment WAPPUSH short message to the Bank Account Number correspondence; Mode credit payment for the uncertain amount of money, interactive mode credit payment database server 100 is by bank card business dealing gateway device 130 bank under described mode credit payment Bank Account Number refund amount of money of making a credit inquiry, and the mode credit payment amount of money that inquires sent to the Mobile Directory Number of Bank Account Number user correspondence by WAP PUSH short message.
After mobile telephone terminal 120 users carry out mode credit payment by replying short message or by the WAP confirmation command, interactive mode credit payment database server 100 is according to the dealing money of confirming in the response message, and initiating the amount of money to bank card business dealing gateway device 130 is the transfer accounts operation of the described Bank Account Number of described dealing money to the middle number of the account of system;
The bank transaction system 140 of bank card business dealing gateway device 130 bank under described Bank Account Number sends the described instruction of transferring accounts, and the operating result of transferring accounts that returns is sent to interactive mode credit payment database server 100;
Unsuccessful if transfer accounts, after then interactive mode credit payment database server 100 sends the unsuccessful message of transaction for the Mobile Directory Number of described Bank Account Number correspondence, the process of closing the trade;
It is the transfer accounts operation of the middle number of the account of system of described dealing money to the mode credit payment Bank Account Number that interactive mode credit payment database server 100 is initiated the amount of money to bank card business dealing gateway device 130;
The bank transaction system 140 of bank card business dealing gateway device 130 bank under number of the account in the middle of the system sends the described instruction of transferring accounts, and the operating result of transferring accounts that returns is sent to interactive mode credit payment database server 100;
Unsuccessful if transfer accounts, then interactive mode credit payment database server 100 is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of described system that the amount of money is described dealing money to bank card business dealing gateway device 130, after giving the unsuccessful message of Mobile Directory Number transmission transaction of described Bank Account Number correspondence, the process of closing the trade;
Interactive mode credit payment database server 100 sends the short message of Transaction Success for the Mobile Directory Number of described Bank Account Number correspondence;
The mobile telephone terminal 120 that carries described Mobile Directory Number shows the short message of transaction results.
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (10)
1. the system by mobile telephone terminal realization interactive mode credit payment is characterized in that, comprises mobile telephone terminal, Mobile Access Gateway equipment, bank card business dealing gateway device, interactive mode credit payment database server; Mobile telephone terminal is by mobile communication wireless network and Mobile Access Gateway apparatus interconnection, Mobile Access Gateway equipment is by mobile communications network and the interconnection of interactive mode credit payment database server, be used to realize the information interaction between interactive mode credit payment database server and the mobile telephone terminal, the bank card business dealing gateway device is by data network and the interconnection of interactive mode credit payment database server, be used to realize the information interaction between interactive mode credit payment database server and the bank card business dealing gateway device, realizing Bank Account Number transferring accounts between the number of the account in the middle of the system, and realization system centre number of the account transferring accounts to the purpose Bank Account Number; Described interactive mode credit payment database server is the Computer Database application server, be used to the mobile phone user to set up corresponding relation database table between Mobile Directory Number and the Bank Account Number, be used to set up the corresponding relation database table between user's Bank Account Number and the mode credit payment Bank Account Number, be used for for the mode credit payment Bank Account Number that arrives the designated time, Mobile Directory Number to the association of described mode credit payment Bank Account Number sends mutual refund instruction, instruct according to the mutual refund that the mobile telephone terminal that receives is replied, the Bank Account Number of realization mode credit payment Bank Account Number correspondence is transferred accounts to the middle number of the account of system, and number of the account transferring accounts to the mode credit payment Bank Account Number in the middle of the realization system.
2. a kind of system by mobile telephone terminal realization interactive mode credit payment according to claim 1 is characterized in that number of the account is a bank card account number of serving mode credit payment in the middle of the described system.
3. a kind of system that realizes interactive mode credit payment by mobile telephone terminal according to claim 1, it is characterized in that, described bank card business dealing gateway device connects the Bank Account Number transaction system of each commercial bank and/or the stored value card transactions system of each card sending mechanism by data network, the Bank Account Number that is used to realize the initiation of interactive mode credit payment database server is to transferring accounts between the middle number of the account of system, and the middle number of the account of system the transferring accounts to the purpose Bank Account Number of realizing the initiation of interactive mode credit payment database server.
4. a kind of system by mobile telephone terminal realization interactive mode credit payment according to claim 1 is characterized in that described bank card business dealing gateway device is meant the bank card business dealing gateway database server of China Unionpay.
5. the implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on middle number of the account in the row is characterized in that, may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, the interactive mode credit payment database server sends refund information to described Bank Account Number user's mobile phone terminal;
B. the user replys response message to the interactive mode credit payment database server by mobile telephone terminal;
C. the interactive mode credit payment database server is according to the dealing money of confirming in the response message, and the bank transaction system of bank is initiated the operation of transferring accounts that the amount of money is described Bank Account Number centre number of the account in the row of described dealing money under described Bank Account Number;
D. described bank transaction system returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
If it is unsuccessful e. to transfer accounts, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step i;
F. the interactive mode credit payment database server in the middle of the bank card business dealing gateway device is initiated in the described row that the amount of money is described dealing money number of the account to the operation of transferring accounts of mode credit payment Bank Account Number;
If it is unsuccessful g. to transfer accounts, then to initiate the amount of money to described bank transaction system be the described Bank Account Number of described dealing money the transferring accounts after positive order of centre number of the account in the described row to the interactive mode credit payment database server, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step i;
H. the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
I. mobile telephone terminal is showed transaction results;
J. flow process finishes.
6. a kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through according to claim 5 based on middle number of the account in the row, it is characterized in that, comprise also among the described step a that the interactive mode credit payment database server is by bank card business dealing gateway device bank under described mode credit payment Bank Account Number refund amount of money of making a credit inquiry.
7. a kind of implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through according to claim 5 based on middle number of the account in the row, it is characterized in that, among the described step c, the interactive mode credit payment database server is by data network and the interconnection of described bank transaction system; Number of the account is the bank card account number that is used for mode credit payment that bank opens under described Bank Account Number in the middle of in the described row.
8. the implementation method that mobile telephone terminal is realized interactive mode credit payment of passing through based on number of the account in the middle of the system is characterized in that, may further comprise the steps:
A. for arriving the agreement mode credit payment Bank Account Number refund time, related with Bank Account Number, the interactive mode credit payment database server sends refund information to described Bank Account Number user's mobile phone terminal;
B. the user replys response message to the interactive mode credit payment database server by mobile telephone terminal;
C. the interactive mode credit payment database server is according to the dealing money of confirming in the response message, and initiating the amount of money to the bank card business dealing gateway device is the operation of transferring accounts of the described Bank Account Number of described dealing money to the middle number of the account of system;
D. the bank card business dealing gateway device returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
If it is unsuccessful E. to transfer accounts, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step I;
F. the interactive mode credit payment database server is the transfer accounts operation of the middle number of the account of system of described dealing money to the mode credit payment Bank Account Number to the bank card business dealing gateway device initiation amount of money;
If it is unsuccessful G. to transfer accounts, then the interactive mode credit payment database server is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of described system that the amount of money is described dealing money to the bank card business dealing gateway device, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step I;
H. the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
I. mobile telephone terminal is showed transaction results;
J. flow process finishes.
9. the implementation method by the interactive remittance of mobile telephone terminal realization is characterized in that, may further comprise the steps: the instruction that (one) user remits money to the purpose Bank Account Number to the initiation of interactive mode credit payment database server by mobile telephone terminal;
(2) the interactive mode credit payment database server is according to the dealing money in the instruction, and initiating the amount of money to the bank card business dealing gateway device is that the Bank Account Number of mobile telephone terminal telephone number correspondence of described dealing money is to the operation of transferring accounts of system's centre number of the account;
(3) the bank card business dealing gateway device returns the operating result of transferring accounts and gives the interactive mode credit payment database server;
(4) if transfer accounts unsuccessful, after then the interactive mode credit payment database server sends the unsuccessful message of transaction for described mobile telephone terminal, execution in step (eight);
(5) the interactive mode credit payment database server is the transfer accounts operation of the middle number of the account of system of described dealing money to described purpose Bank Account Number to the bank card business dealing gateway device initiation amount of money;
(6) if transfer accounts unsuccessful, then the interactive mode credit payment database server is initiated described Bank Account Number the transferring accounts after positive order to the middle number of the account of system that the amount of money is described dealing money to the bank card business dealing gateway device, after sending the unsuccessful message of transaction for described mobile telephone terminal, execution in step (eight);
(7) the interactive mode credit payment database server sends the message of Transaction Success for described mobile telephone terminal;
(8) mobile telephone terminal is showed transaction results;
(9) flow process finishes.
10. a kind of implementation method that realizes interactive remittance by mobile telephone terminal according to claim 9, it is characterized in that, communication mode in the described step () between mobile telephone terminal and the interactive mode credit payment database server is a short message, or WAP, or IVR, or WEB, or client-side program.
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| CN200810224750A CN101520925A (en) | 2008-12-26 | 2008-12-26 | System and method for realizing interactive mode credit payment through mobile phone terminal |
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| CN200810224750A CN101520925A (en) | 2008-12-26 | 2008-12-26 | System and method for realizing interactive mode credit payment through mobile phone terminal |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542500A (en) * | 2010-12-31 | 2012-07-04 | 上海量明科技发展有限公司 | Method and system for adjusting expected repayment date of credit card by using communication tool |
| CN109284991A (en) * | 2018-07-16 | 2019-01-29 | 罗明伟 | A kind of personal credit payment system and its method of payment |
| CN109711989A (en) * | 2018-12-15 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Repayment transaction data processing method, device, computer equipment and storage medium |
-
2008
- 2008-12-26 CN CN200810224750A patent/CN101520925A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542500A (en) * | 2010-12-31 | 2012-07-04 | 上海量明科技发展有限公司 | Method and system for adjusting expected repayment date of credit card by using communication tool |
| CN109284991A (en) * | 2018-07-16 | 2019-01-29 | 罗明伟 | A kind of personal credit payment system and its method of payment |
| CN109711989A (en) * | 2018-12-15 | 2019-05-03 | 深圳壹账通智能科技有限公司 | Repayment transaction data processing method, device, computer equipment and storage medium |
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