Summary of the invention
Main purpose of the present invention is the device and method proposing a kind of communicating number binding accounts information, be intended to solution existing when user has changed communicating number (phone number), user needs manually to go to business hall to complete the change of BOUND communication number, the changing mode intelligence degree of above-mentioned BOUND communication number is low, and then causes the inefficient problem of the change procedure of BOUND communication number.
For achieving the above object, the device of a kind of communicating number binding accounts information provided by the invention, comprising:
Acquisition module, for after detecting and meeting accounts information binding change condition, obtains communicating number to be bound and verifies the identity information of described communicating number;
Sending module, for when binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, complete the binding of described communicating number and described accounts information for described service provider based on the Information Authentication of described communicating number.
Preferably, the device of described communicating number binding accounts information also comprises:
Reminding module, for prompting the need of the described accounts information of binding;
Build module, for after receiving the described accounts information confirmation of binding, build the binding instruction of described communicating number and described accounts information, described binding instruction comprises the request of accounts information, communicating number to be bound and change BOUND communication number.
Preferably, the device of described communicating number binding accounts information also comprises:
Receiver module, for the request of received communication number application;
Described acquisition module, also for after receiving communicating number application request, obtains the authentication information of described communicating number;
Judge module, for after the authentication information of described communicating number is verified, described communicating number application success, judges to meet accounts information binding change condition; Or when receiving the binding change directive of communicating number and accounts information, judge to meet accounts information binding change condition.
Preferably, the device of described communicating number binding accounts information also comprises update module,
Described sending module, time also for there is not the accounts information bound with described identity information in binding account information database, send accounts information to other operators different from described communicating number and obtain instruction, and the acquisition authorization corresponding to described acquisition instruction;
Described receiver module, also for after Successful authorization, receives the accounts information that other operators described send;
Whether update module, for being updated to by received accounts information in described account binding information data, exist the accounts information consistent with the accounts information that described identity information is bound to inquire about.
Preferably, described acquisition module, also for after receiving accounts information binding change directive, obtains the communicating number corresponding with described change directive and accounts information;
Described sending module, time also for there is the accounts information consistent with described accounts information in described binding information database, send the binding instruction of described communicating number and described accounts information to the service provider that accounts information is corresponding, completed the binding of described communicating number and described accounts information for described service provider by the checking of described communicating number
In addition, for achieving the above object, the present invention also proposes the method for a kind of communicating number binding accounts information, comprises step:
After detecting and meeting accounts information binding change condition, obtain communicating number to be bound and verify the identity information of described communicating number;
When binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, complete the binding of described communicating number and described accounts information for described service provider based on the Information Authentication of described communicating number.
Preferably, the described service provider corresponding to described account also comprises before sending the step of binding instruction of described communicating number and described accounts information:
Point out the need of the described accounts information of binding;
After receiving the described accounts information confirmation of binding, build the binding instruction of described communicating number and described accounts information, described binding instruction comprises the request of accounts information, communicating number to be bound and change BOUND communication number.
Preferably, before the described step of identity information obtaining communicating number to be bound and verify described communicating number, also comprise:
The request of received communication number application;
After receiving communicating number application request, obtain the authentication information of described communicating number;
After the authentication information of described communicating number is verified, described communicating number application success, judges to meet accounts information binding change condition; Or, when receiving the binding change directive of communicating number and accounts information, judge to meet accounts information binding change condition.
Preferably, after the described step of identity information obtaining communicating number to be bound and verify described communicating number, also comprise:
When there is not the accounts information bound with described identity information in binding account information database, send accounts information to other operators different from described communicating number and obtain instruction, and the acquisition authorization corresponding to described acquisition instruction;
After Successful authorization, receive the accounts information that other operators described send;
Received accounts information is updated in described account binding information data, whether there is the accounts information consistent with the accounts information that described identity information is bound to inquire about.
Preferably, described communicating number binding accounts information method, also comprises:
After receiving accounts information binding change directive, obtain the communicating number corresponding with described change directive and accounts information;
When there is the accounts information consistent with described accounts information in described binding information database, send the binding instruction of described communicating number and described accounts information to the service provider that accounts information is corresponding, completed the binding of described communicating number and described accounts information for described service provider by the checking of described communicating number.
The device and method of the communicating number binding accounts information that the present invention proposes, by the accounts information bound is stored in the binding account information database of common carrier, when meeting account binding change condition, obtain the identity information that BOUND communication number is treated in checking, complete the change operation of account binding based on described identity information and described binding account information database.Communicating number is effectively avoided to bind the device and method of accounts information, be intended to solution existing when user has changed communicating number (phone number), user needs manually to go to business hall to complete the change of BOUND communication number, the changing mode intelligence degree of above-mentioned BOUND communication number is low, and then causes the inefficient problem of the change procedure of BOUND communication number.There is provided a kind of and do not spend the mode that business hall completes the change of BOUND communication number, improve the intelligence degree of BOUND communication number and accounts information, and then improve the efficiency of BOUND communication number and accounts information.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description, use the suffix of such as " module ", " parts " or " unit " for representing element only in order to be conducive to explanation of the present invention, itself is specific meaning not.Therefore, " module " and " parts " can mixedly use.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can comprise the such as mobile terminal of mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP (portable media player), guider etc. and the fixed terminal of such as digital TV, desktop computer etc.Below, suppose that terminal is mobile terminal.But it will be appreciated by those skilled in the art that except the element except being used in particular for mobile object, structure according to the embodiment of the present invention also can be applied to the terminal of fixed type.
Fig. 1 is the hardware configuration signal of the mobile terminal realizing each embodiment of the present invention.
Mobile terminal 100 can comprise wireless communication unit 110, A/V (audio/video) input unit 120, user input unit 130, sensing cell 140, output unit 150, memory 160, interface unit 170, controller 180 and power subsystem 190 etc.Fig. 1 shows the mobile terminal with various assembly, it should be understood that, does not require to implement all assemblies illustrated.Can alternatively implement more or less assembly.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows the radio communication between mobile terminal 100 and wireless communication system or network.Such as, wireless communication unit can comprise at least one in broadcast reception module 111, mobile communication module 112, wireless Internet module 113, short range communication module 114 and positional information module 115.
Broadcast reception module 111 via broadcast channel from external broadcasting management server receiving broadcast signal and/or broadcast related information.Broadcast channel can comprise satellite channel and/or terrestrial channel.Broadcast management server can be generate and send the server of broadcast singal and/or broadcast related information or the broadcast singal generated before receiving and/or broadcast related information and send it to the server of terminal.Broadcast singal can comprise TV broadcast singal, radio signals, data broadcasting signal etc.And broadcast singal may further include the broadcast singal combined with TV or radio signals.Broadcast related information also can provide via mobile communications network, and in this case, broadcast related information can be received by mobile communication module 112.Broadcast singal can exist in a variety of manners, such as, it can exist with the form of the electronic service guidebooks (ESG) of the electronic program guides of DMB (DMB) (EPG), digital video broadcast-handheld (DVB-H) etc.Broadcast reception module 111 can by using the broadcast of various types of broadcast system Received signal strength.Especially, broadcast reception module 111 can by using such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), digital video broadcasting-hand-held (DVB-H), forward link media (MediaFLO ) the digit broadcasting system receiving digital broadcast of Radio Data System, received terrestrial digital broadcasting integrated service (ISDB-T) etc.Broadcast reception module 111 can be constructed to be applicable to providing the various broadcast system of broadcast singal and above-mentioned digit broadcasting system.The broadcast singal received via broadcast reception module 111 and/or broadcast related information can be stored in memory 160 (or storage medium of other type).
Radio signal is sent at least one in base station (such as, access point, Node B etc.), exterior terminal and server and/or receives radio signals from it by mobile communication module 112.Various types of data that such radio signal can comprise voice call signal, video calling signal or send according to text and/or Multimedia Message and/or receive.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be inner or be externally couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can comprise WLAN (WLAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (high-speed downlink packet access) etc.
Short range communication module 114 is the modules for supporting junction service.Some examples of short-range communication technology comprise bluetoothtM, radio-frequency (RF) identification (RFID), Infrared Data Association (IrDA), ultra broadband (UWB), purple honeybeetMetc..
Positional information module 115 is the modules of positional information for checking or obtain mobile terminal.The typical case of positional information module is GPS (global positioning system).According to current technology, GPS module 115 calculates from the range information of three or more satellite and correct time information and for the Information application triangulation calculated, thus calculates three-dimensional current location information according to longitude, latitude and pin-point accuracy.Current, the method for calculating location and temporal information uses three satellites and by the error of the position that uses an other satellite correction calculation to go out and temporal information.In addition, GPS module 115 can carry out computational speed information by Continuous plus current location information in real time.
A/V input unit 120 is for audio reception or vision signal.A/V input unit 120 can comprise camera 121 and microphone 1220, and the view data of camera 121 to the static images obtained by image capture apparatus in Video Capture pattern or image capture mode or video processes.Picture frame after process may be displayed on display unit 151.Picture frame after camera 121 processes can be stored in memory 160 (or other storage medium) or via wireless communication unit 110 and send, and can provide two or more cameras 1210 according to the structure of mobile terminal.Such acoustic processing can via microphones sound (voice data) in telephone calling model, logging mode, speech recognition mode etc. operational mode, and can be voice data by microphone 122.Audio frequency (voice) data after process can be converted to the formatted output that can be sent to mobile communication base station via mobile communication module 112 when telephone calling model.Microphone 122 can be implemented various types of noise and eliminate (or suppress) algorithm and receiving and sending to eliminate (or suppression) noise or interference that produce in the process of audio signal.
User input unit 130 can generate key input data to control the various operations of mobile terminal according to the order of user's input.User input unit 130 allows user to input various types of information, and keyboard, the young sheet of pot, touch pad (such as, detecting the touch-sensitive assembly of the change of the resistance, pressure, electric capacity etc. that cause owing to being touched), roller, rocking bar etc. can be comprised.Especially, when touch pad is superimposed upon on display unit 151 as a layer, touch-screen can be formed.
Sensing cell 140 detects the current state of mobile terminal 100, (such as, mobile terminal 100 open or close state), the position of mobile terminal 100, user for mobile terminal 100 contact (namely, touch input) presence or absence, the orientation of mobile terminal 100, the acceleration or deceleration of mobile terminal 100 move and direction etc., and generate order or the signal of the operation for controlling mobile terminal 100.Such as, when mobile terminal 100 is embodied as sliding-type mobile phone, sensing cell 140 can sense this sliding-type phone and open or close.In addition, whether whether sensing cell 140 can detect power subsystem 190 provides electric power or interface unit 170 to couple with external device (ED).Sensing cell 140 can comprise proximity transducer 1410 and will be described this in conjunction with touch-screen below.
Interface unit 170 is used as at least one external device (ED) and is connected the interface that can pass through with mobile terminal 100.Such as, external device (ED) can comprise wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless FPDP, memory card port, for connecting the port, audio frequency I/O (I/O) port, video i/o port, ear port etc. of the device with identification module.Identification module can be that storage uses the various information of mobile terminal 100 for authentication of users and can comprise subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) etc.In addition, the device (hereinafter referred to " recognition device ") with identification module can take the form of smart card, and therefore, recognition device can be connected with mobile terminal 100 via port or other jockey.Interface unit 170 may be used for receive from external device (ED) input (such as, data message, electric power etc.) and the input received be transferred to the one or more element in mobile terminal 100 or may be used for transmitting data between mobile terminal and external device (ED).
In addition, when mobile terminal 100 is connected with external base, interface unit 170 can be used as to allow by it electric power to be provided to the path of mobile terminal 100 from base or can be used as the path that allows to be transferred to mobile terminal by it from the various command signals of base input.The various command signal inputted from base or electric power can be used as and identify whether mobile terminal is arranged on the signal base exactly.Output unit 150 is constructed to provide output signal (such as, audio signal, vision signal, alarm signal, vibration signal etc.) with vision, audio frequency and/or tactile manner.Output unit 150 can comprise display unit 151, dio Output Modules 152, alarm unit 153 etc.
Display unit 151 may be displayed on the information of process in mobile terminal 100.Such as, when mobile terminal 100 is in telephone calling model, display unit 151 can show with call or other communicate (such as, text messaging, multimedia file are downloaded etc.) be correlated with user interface (UI) or graphic user interface (GUI).When mobile terminal 100 is in video calling pattern or image capture mode, display unit 151 can the image of display capture and/or the image of reception, UI or GUI that video or image and correlation function are shown etc.
Meanwhile, when display unit 151 and touch pad as a layer superposed on one another to form touch-screen time, display unit 151 can be used as input unit and output device.Display unit 151 can comprise at least one in liquid crystal display (LCD), thin-film transistor LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc.Some in these displays can be constructed to transparence and watch from outside to allow user, and this can be called transparent display, and typical transparent display can be such as TOLED (transparent organic light emitting diode) display etc.According to the specific execution mode wanted, mobile terminal 100 can comprise two or more display units (or other display unit), such as, mobile terminal can comprise outernal display unit (not shown) and inner display unit (not shown).Touch-screen can be used for detecting touch input pressure and touch input position and touch and inputs area.
When dio Output Modules 152 can be under the isotypes such as call signal receiving mode, call mode, logging mode, speech recognition mode, broadcast reception mode at mobile terminal, voice data convert audio signals that is that wireless communication unit 110 is received or that store in memory 160 and exporting as sound.And dio Output Modules 152 can provide the audio frequency relevant to the specific function that mobile terminal 100 performs to export (such as, call signal receives sound, message sink sound etc.).Dio Output Modules 152 can comprise loud speaker, buzzer etc.
Alarm unit 153 can provide and export that event informed to mobile terminal 100.Typical event can comprise calling reception, message sink, key signals input, touch input etc.Except audio or video exports, alarm unit 153 can provide in a different manner and export with the generation of notification event.Such as, alarm unit 153 can provide output with the form of vibration, when receive calling, message or some other enter communication (incomingcommunication) time, alarm unit 153 can provide sense of touch to export (that is, vibrating) to notify to user.By providing such sense of touch to export, even if when the mobile phone of user is in the pocket of user, user also can identify the generation of various event.Alarm unit 153 also can provide the output of the generation of notification event via display unit 151 or dio Output Modules 152.
Memory 160 software program that can store process and the control operation performed by controller 180 etc., or temporarily can store oneself through exporting the data (such as, telephone directory, message, still image, video etc.) that maybe will export.And, memory 160 can store about when touch be applied to touch-screen time the vibration of various modes that exports and the data of audio signal.
Memory 160 can comprise the storage medium of at least one type, described storage medium comprises flash memory, hard disk, multimedia card, card-type memory (such as, SD or DX memory etc.), random access storage device (RAM), static random-access memory (SRAM), read-only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc.And mobile terminal 100 can be connected the memory function of execute store 160 network storage device with by network cooperates.
Controller 180 controls the overall operation of mobile terminal usually.Such as, controller 180 performs the control relevant to voice call, data communication, video calling etc. and process.In addition, controller 180 can comprise the multi-media module 1810 for reproducing (or playback) multi-medium data, and multi-media module 1810 can be configured in controller 180, or can be configured to be separated with controller 180.Controller 180 can pattern recognition process, is identified as character or image so that input is drawn in the handwriting input performed on the touchscreen or picture.
Power subsystem 190 receives external power or internal power and provides each element of operation and the suitable electric power needed for assembly under the control of controller 180.
Various execution mode described herein can to use such as computer software, the computer-readable medium of hardware or its any combination implements.For hardware implementation, execution mode described herein can by using application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), field programmable gate array (FPGA), processor, controller, microcontroller, microprocessor, being designed at least one performed in the electronic unit of function described herein and implementing, in some cases, such execution mode can be implemented in controller 180.For implement software, the execution mode of such as process or function can be implemented with allowing the independent software module performing at least one function or operation.Software code can be implemented by the software application (or program) write with any suitable programming language, and software code can be stored in memory 160 and to be performed by controller 180.
So far, oneself is through the mobile terminal according to its functional description.Below, for the sake of brevity, by the slide type mobile terminal that describes in various types of mobile terminals of such as folded form, board-type, oscillating-type, slide type mobile terminal etc. exemplarily.Therefore, the present invention can be applied to the mobile terminal of any type, and is not limited to slide type mobile terminal.
Mobile terminal 100 as shown in Figure 1 can be constructed to utilize and send the such as wired and wireless communication system of data via frame or grouping and satellite-based communication system operates.
Describe wherein according to the communication system that mobile terminal of the present invention can operate referring now to Fig. 2.
Such communication system can use different air interfaces and/or physical layer.Such as, the air interface used by communication system comprises such as frequency division multiple access (FDMA), time division multiple access (TDMA), code division multiple access (CDMA) and universal mobile telecommunications system (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc.As non-limiting example, description below relates to cdma communication system, but such instruction is equally applicable to the system of other type.
With reference to figure 2, cdma wireless communication system can comprise multiple mobile terminal 100, multiple base station (BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 2800MSC280 and be constructed to form interface with Public Switched Telephony Network (PSTN) 290.MSC280 is also constructed to form interface with the BSC275 that can be couple to base station 270 via back haul link.Back haul link can construct according to any one in some interfaces that oneself knows, described interface comprises such as E1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.Will be appreciated that system as shown in Figure 2 can comprise multiple BSC2750.
Each BS270 can serve one or more subregion (or region), by multidirectional antenna or point to specific direction each subregion of antenna cover radially away from BS270.Or each subregion can by two or more antenna covers for diversity reception.Each BS270 can be constructed to support multiple parallel compensate, and each parallel compensate has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Subregion can be called as CDMA Channel with intersecting of parallel compensate.BS270 also can be called as base station transceiver subsystem (BTS) or other equivalent terms.Under these circumstances, term " base station " may be used for broadly representing single BSC275 and at least one BS270.Base station also can be called as " cellular station ".Or each subregion of particular B S270 can be called as multiple cellular station.
As shown in Figure 2, broadcast singal is sent to the mobile terminal 100 at operate within systems by broadcsting transmitter (BT) 295.Broadcast reception module 111 as shown in Figure 1 is arranged on mobile terminal 100 and sentences the broadcast singal receiving and sent by BT295.In fig. 2, several global positioning system (GPS) satellite 300 is shown.Satellite 300 helps at least one in the multiple mobile terminal 100 in location.
In fig. 2, depict multiple satellite 300, but understand, the satellite of any number can be utilized to obtain useful locating information.GPS module 115 as shown in Figure 1 is constructed to coordinate to obtain the locating information wanted with satellite 300 usually.Substitute GPS tracking technique or outside GPS tracking technique, can use can other technology of position of tracking mobile terminal.In addition, at least one gps satellite 300 optionally or extraly can process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link signal from various mobile terminal 100.Mobile terminal 100 participates in call usually, information receiving and transmitting communicates with other type.Each reverse link signal that certain base station 270 receives is processed by particular B S270.The data obtained are forwarded to relevant BSC275.BSC provides call Resourse Distribute and comprises the mobile management function of coordination of the soft switching process between BS270.The data received also are routed to MSC280 by BSC275, and it is provided for the extra route service forming interface with PSTN290.Similarly, PSTN290 and MSC280 forms interface, and MSC and BSC275 forms interface, and BSC275 correspondingly control BS270 so that forward link signals is sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of device of communicating number of the present invention binding accounts information is proposed.
As shown in Figure 3, first embodiment of the invention proposes the device of a kind of communicating number binding accounts information, comprising: acquisition module 10, receiver module 20, judge module 30, sending module 40, reminding module 50 and structure module 60,
Described acquisition module 10, for after detecting and meeting accounts information binding change condition, obtains communicating number to be bound and verifies the identity information of described communicating number;
In the present embodiment, preferably describe from the application of payment class, but the embodiment of the present invention is not limited to the process of the communicating number binding accounts information paid in class application, can also be applicable to the application that other need arbitrarily BOUND communication number and account.Described communicating number is phone number.
Be applied as example to pay class, user by being carried in the operation that should be used for payment in terminal, such as, can have been come by Web bank's client or Alipay client.User, when performing delivery operation, needs to be obtained the authorization by the mode of short-message verification, and completes delivery operation authorizing successfully.Because of needs short-message verification, user is needed communicating number and draw bank account to be bound, to complete checking licensing process.
Open a terminal or payment class application on opening a terminal time, detect currently whether meet accounts information binding change condition.Such as, when user changes new traffic number or receive the change directive of user's transmission, judge to meet accounts information binding change condition.
Described receiver module 20, for the request of received communication number application;
Described acquisition module 10, also for after receiving communicating number application request, obtains the authentication information of described communicating number;
Described judge module 30, for after the authentication information of described communicating number is verified, described communicating number application success, judges to meet accounts information binding change condition; Or, when receiving the binding change directive of communicating number and accounts information, judge to meet accounts information binding change condition.In an embodiment of the present invention, when detecting terminal and inserting the card of the new communicating number of carrying, judge to meet accounts information binding change condition; Or when there are multiple cards in terminal, that is, when there is multiple communicating number, often open the corresponding communicating number of card, when user switches to other cards from current card, judge to meet accounts information binding change condition.
After detecting and meeting accounts information binding change condition, obtain communicating number to be bound and verify the identity information of described communicating number.Described identity information comprises unique information proving user identity such as ID card No..
In an embodiment of the present invention, pay in class account process in use, user can receive the short message verification code that financial institution server sends, short message verification code collects by mobile operator, do a data screening process on backstage, the information such as financial institution's phone, financial institution's title, user account mantissa are recorded, namely, above-mentioned information be saved in binding account information database as accounts information, described accounts information associates with communicating number.In order to ensure the accuracy that data are preserved, and improve the terseness of data preservation, when receiving financial institution server and sending authorization information, inquire about described binding account information database, when there is accounts information corresponding to described communicating number in described binding account information database, do not add in described accounts information to described binding account information database; When there is not accounts information corresponding to described communicating number in described binding account information database, in described binding account information database, add described accounts information.
Described sending module 40, for when binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, complete the binding of described communicating number and described accounts information for described service provider based on the Information Authentication of described communicating number.
After getting described identity information, inquire about described binding account information database and whether there is the accounts information corresponding with described identity information, when binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, verified the binding of described communicating number and described accounts information for described service provider by described communicating number.Described service provider is above-mentioned financial institution, described service provider is after receiving described binding instruction, inquire about in its local data base and whether there is accounts information corresponding to described identity information, described accounts information comprises name of opening an account, ID card No., if existed, described service provider sends a checking note to new cell-phone number, notify the communicating number change that user's financial account is bound, after receiving the confirmation change, perform change procedure, namely realize new communicating number and the bindings of accounts information.Described confirmation change procedure includes but not limited to by accounts information described in network entry, and the authorization information inputting described checking note completes the process confirming change.
Described reminding module 50, for prompting the need of the described accounts information of binding;
Described structure module 60, for after receiving the described accounts information confirmation of binding, build the binding instruction of described communicating number and described accounts information, described binding instruction comprises the request of accounts information, communicating number to be bound and change BOUND communication number.
In other embodiments of the present invention, described binding procedure can also be: after receiving accounts information binding change directive, obtain the communicating number corresponding with described change directive and accounts information; When there is the accounts information consistent with described accounts information in described binding information database, send the binding instruction of described communicating number and described accounts information to the service provider that accounts information is corresponding, completed the binding of described communicating number and described accounts information for described service provider by the checking of described communicating number.
The present embodiment is by being stored in the binding account information database of common carrier by the accounts information bound, when meeting account binding change condition, obtain the identity information that BOUND communication number is treated in checking, complete the change operation of account binding based on described identity information and described binding account information database.Communicating number is effectively avoided to bind the device and method of accounts information, be intended to solution existing when user has changed communicating number (phone number), user needs manually to go to business hall to complete the change of BOUND communication number, the changing mode intelligence degree of above-mentioned BOUND communication number is low, and then causes the inefficient problem of the change procedure of BOUND communication number.There is provided a kind of and do not spend the mode that business hall completes the change of BOUND communication number, improve the intelligence degree of BOUND communication number and accounts information, and then improve the efficiency of BOUND communication number and accounts information.
With reference to figure 4, it is the high-level schematic functional block diagram of the second embodiment of the device of communicating number binding accounts information of the present invention.The device of described communicating number binding accounts information also comprises: update module 70,
Described sending module 40, time also for there is not the accounts information bound with described identity information in binding account information database, send accounts information to other operators different from described communicating number and obtain instruction, and the acquisition authorization corresponding to described acquisition instruction;
Described receiver module 20, also for after Successful authorization, receives the accounts information that other operators described send;
Whether described update module 70, for being updated to by received accounts information in described account binding information data, exist the accounts information consistent with the accounts information that described identity information is bound to inquire about.
In the present embodiment, when there is not the accounts information bound with described identity information in binding account information database, send accounts information to other operators different from described communicating number and obtain instruction, and the acquisition authorization corresponding to described acquisition instruction, described licensing process can be the mandate based on communication process, or the mandate of the checking of identity information, by the call with customer service or by the authentication of short message mode or complete mandate by the authentication logging in Net silver mode.After Successful authorization, receive the accounts information that other operators described send; Received accounts information is updated in described account binding information data, whether there is the accounts information consistent with the accounts information that described identity information is bound to inquire about.Such as, if be different operators, a carrier data terminal can be set up, confirm account information to transfer in the data of another operator from the database of an operator by subscriber phone.Preferably, in order to account security, in the process of transfer, accounts information is encryption or hides, and user or other users are sightless, and namely user cannot view described information.
In an embodiment of the present invention, user is due to communicating number loss or after stopping using, after again having applied for new communicating number, and when being different operators with communicating number before, send the instruction obtaining accounts information from other operators, get accounts information based on the identity information of authorizing and communicating number associates from other operators and be kept at the operator database of new communicating number.
The present embodiment is shared by the mode of authorizing between different operators by accounts information, ensure that the integrality of accounts information in operator database, improves the accuracy of binding accounts information.
In order to better describe the embodiment of the present invention, be described from following process:
User is in the process using mobile phone, if this phone number has bound corresponding financial account, in the process using financial account, user can receive the short message verification code that financial institution sends, short-message verification information gets up by mobile operator, do a data screening process on backstage, the information such as financial institution's phone, financial institution's title, user's card number mantissa are recorded.In time again receiving the short message verification code that financial institution sends, first whether have these data in Query Database, if not then add this information to database, if had, then do not add.
If phone number is lost or the shutdown of this number does not re-use; mobile operator is before redistributing this number or when user initiatively contacts mobile operator; the financial account information back-up relevant with this phone number is got up; when again applying for new phone number for user; if different mobile operator; a mobile operator terminal can be set up, confirm financial account information to transfer to another one operator from an operator by subscriber phone.In the process of transfer, user can't see these information.Only have the new phone number of real name application again, just can get this information by new phone number.
After user buys Mobile phone card by system of real name registration, mobile operator inquires about this user in a database according to the ID card information of user and whether bound financial account.If bind financial account, the data before this user extract and send to user by mobile operator, inform that user is the need of again binding these financial account.If user needs to bind these financial account, user can by needing to bind title, the financial account of financial institution, name, the ID card No. etc. of opening an account information is sent to mobile phone operators.Mobile phone operators is after receiving information, open an account name and the identity card account information of phone number is inquired in the database of operator, if information matches operator can send one with financial account to financial institution, to open an account name, the information of the request of ID card No. and the phone number after changing and change binding number is to financial institution, financial institution is after the request receiving mobile phone operators, in the database of financial institution, inquire about by the financial account of opening an account the name of opening an account that whether there is this financial account and this financial account according to the information received, ID card No. information, if information is mated completely, financial institution will send a note to new cell-phone number, notify that phone number that user's financial account binds is the need of change, and the identifying code of change binding account.User logs in the financial account of oneself by online, and after online input validation code, completes the binding change of phone number.Hereafter, new phone number starts to receive the authorization information that financial institution sends.
After new cell-phone number binding financial account, the financial account in old phone number is deleted, and repeats above-mentioned steps, restart the short-message verification information of collecting this mobile phone account.
The present invention further provides the method for a kind of communicating number binding accounts information.
It is the schematic flow sheet of the first embodiment of the method for communicating number of the present invention binding accounts information with reference to Fig. 5, Fig. 5.
The method of a kind of communicating number binding of the present embodiment accounts information, the method for described communicating number binding accounts information comprises:
Step S10, after detecting and meeting accounts information binding change condition, obtains communicating number to be bound and verifies the identity information of described communicating number;
In the present embodiment, preferably describe from the application of payment class, but the embodiment of the present invention is not limited to the process of the communicating number binding accounts information paid in class application, can also be applicable to the application that other need arbitrarily BOUND communication number and account.Described communicating number is phone number.
Be applied as example to pay class, user by being carried in the operation that should be used for payment in terminal, such as, can have been come by Web bank's client or Alipay client.User, when performing delivery operation, needs to be obtained the authorization by the mode of short-message verification, and completes delivery operation authorizing successfully.Because of needs short-message verification, user is needed communicating number and draw bank account to be bound, to complete checking licensing process.
Open a terminal or payment class application on opening a terminal time, detect currently whether meet accounts information binding change condition.Such as, when user changes new traffic number or receive the change directive of user's transmission, judge to meet accounts information binding change condition.Concrete, the request of received communication number application; After receiving communicating number application request, obtain the authentication information of described communicating number; After the authentication information of described communicating number is verified, described communicating number application success, judges to meet accounts information binding change condition; Or, when receiving the binding change directive of communicating number and accounts information, judge to meet accounts information binding change condition.In an embodiment of the present invention, when detecting terminal and inserting the card of the new communicating number of carrying, judge to meet accounts information binding change condition; Or when there are multiple cards in terminal, that is, when there is multiple communicating number, often open the corresponding communicating number of card, when user switches to other cards from current card, judge to meet accounts information binding change condition.
After detecting and meeting accounts information binding change condition, obtain communicating number to be bound and verify the identity information of described communicating number.Described identity information comprises unique information proving user identity such as ID card No..
In an embodiment of the present invention, pay in class account process in use, user can receive the short message verification code that financial institution server sends, short message verification code collects by mobile operator, do a data screening process on backstage, the information such as financial institution's phone, financial institution's title, user account mantissa are recorded, namely, above-mentioned information be saved in binding account information database as accounts information, described accounts information associates with communicating number.In order to ensure the accuracy that data are preserved, and improve the terseness of data preservation, when receiving financial institution server and sending authorization information, inquire about described binding account information database, when there is accounts information corresponding to described communicating number in described binding account information database, do not add in described accounts information to described binding account information database; When there is not accounts information corresponding to described communicating number in described binding account information database, in described binding account information database, add described accounts information.
Step S20, when binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, complete the binding of described communicating number and described accounts information for described service provider based on the Information Authentication of described communicating number.
After getting described identity information, inquire about described binding account information database and whether there is the accounts information corresponding with described identity information, when binding the accounts information that existence and described identity information in account information database are bound, send the binding instruction of described communicating number and described accounts information to the service provider that described accounts information is corresponding, verified the binding of described communicating number and described accounts information for described service provider by described communicating number.Described service provider is above-mentioned financial institution, described service provider is after receiving described binding instruction, inquire about in its local data base and whether there is accounts information corresponding to described identity information, described accounts information comprises name of opening an account, ID card No., if existed, described service provider sends a checking note to new cell-phone number, notify the communicating number change that user's financial account is bound, after receiving the confirmation change, perform change procedure, namely realize new communicating number and the bindings of accounts information.Described confirmation change procedure includes but not limited to by accounts information described in network entry, and the authorization information inputting described checking note completes the process confirming change.In an embodiment of the present invention, described confirmation process can also be: point out the need of the described accounts information of binding; After receiving the described accounts information confirmation of binding, build the binding instruction of described communicating number and described accounts information, described binding instruction comprises the request of accounts information, communicating number to be bound and change BOUND communication number.
In other embodiments of the present invention, described binding procedure can also be: after receiving accounts information binding change directive, obtain the communicating number corresponding with described change directive and accounts information; When there is the accounts information consistent with described accounts information in described binding information database, send the binding instruction of described communicating number and described accounts information to the service provider that accounts information is corresponding, completed the binding of described communicating number and described accounts information for described service provider by the checking of described communicating number.
The present embodiment is by being stored in the binding account information database of common carrier by the accounts information bound, when meeting account binding change condition, obtain the identity information that BOUND communication number is treated in checking, complete the change operation of account binding based on described identity information and described binding account information database.Communicating number is effectively avoided to bind the device and method of accounts information, be intended to solution existing when user has changed communicating number (phone number), user needs manually to go to business hall to complete the change of BOUND communication number, the changing mode intelligence degree of above-mentioned BOUND communication number is low, and then causes the inefficient problem of the change procedure of BOUND communication number.There is provided a kind of and do not spend the mode that business hall completes the change of BOUND communication number, improve the intelligence degree of BOUND communication number and accounts information, and then improve the efficiency of BOUND communication number and accounts information.
With reference to figure 6, it is the schematic flow sheet of the second embodiment of the method for communicating number binding accounts information of the present invention.Based on the first embodiment of said method, after described step S10, also comprise:
Step S30, when there is not the accounts information bound with described identity information in binding account information database, sends accounts information to other operators different from described communicating number and obtains instruction, and the acquisition authorization corresponding to described acquisition instruction;
Step S40, after Successful authorization, receives the accounts information that other operators described send;
Step S50, is updated to received accounts information in described account binding information data, whether there is the accounts information consistent with the accounts information that described identity information is bound to inquire about.
In the present embodiment, when there is not the accounts information bound with described identity information in binding account information database, send accounts information to other operators different from described communicating number and obtain instruction, and the acquisition authorization corresponding to described acquisition instruction, described licensing process can be the mandate based on communication process, or the mandate of the checking of identity information, by the call with customer service or by the authentication of short message mode or complete mandate by the authentication logging in Net silver mode.After Successful authorization, receive the accounts information that other operators described send; Received accounts information is updated in described account binding information data, whether there is the accounts information consistent with the accounts information that described identity information is bound to inquire about.Such as, if be different operators, a carrier data terminal can be set up, confirm account information to transfer in the data of another operator from the database of an operator by subscriber phone.Preferably, in order to account security, in the process of transfer, accounts information is encryption or hides, and user or other users are sightless, and namely user cannot view described information.
In an embodiment of the present invention, user is due to communicating number loss or after stopping using, after again having applied for new communicating number, and when being different operators with communicating number before, send the instruction obtaining accounts information from other operators, get accounts information based on the identity information of authorizing and communicating number associates from other operators and be kept at the operator database of new communicating number.
The present embodiment is shared by the mode of authorizing between different operators by accounts information, ensure that the integrality of accounts information in operator database, improves the accuracy of binding accounts information.
In order to better describe the embodiment of the present invention, be described from following process:
User is in the process using mobile phone, if this phone number has bound corresponding financial account, in the process using financial account, user can receive the short message verification code that financial institution sends, short-message verification information gets up by mobile operator, do a data screening process on backstage, the information such as financial institution's phone, financial institution's title, user's card number mantissa are recorded.In time again receiving the short message verification code that financial institution sends, first whether have these data in Query Database, if not then add this information to database, if had, then do not add.
If phone number is lost or the shutdown of this number does not re-use; mobile operator is before redistributing this number or when user initiatively contacts mobile operator; the financial account information back-up relevant with this phone number is got up; when again applying for new phone number for user; if different mobile operator; a mobile operator terminal can be set up, confirm financial account information to transfer to another one operator from an operator by subscriber phone.In the process of transfer, user can't see these information.Only have the new phone number of real name application again, just can get this information by new phone number.
After user buys Mobile phone card by system of real name registration, mobile operator inquires about this user in a database according to the ID card information of user and whether bound financial account.If bind financial account, the data before this user extract and send to user by mobile operator, inform that user is the need of again binding these financial account.If user needs to bind these financial account, user can by needing to bind title, the financial account of financial institution, name, the ID card No. etc. of opening an account information is sent to mobile phone operators.Mobile phone operators is after receiving information, open an account name and the identity card account information of phone number is inquired in the database of operator, if information matches operator can send one with financial account to financial institution, to open an account name, the information of the request of ID card No. and the phone number after changing and change binding number is to financial institution, financial institution is after the request receiving mobile phone operators, in the database of financial institution, inquire about by the financial account of opening an account the name of opening an account that whether there is this financial account and this financial account according to the information received, ID card No. information, if information is mated completely, financial institution will send a note to new cell-phone number, notify that phone number that user's financial account binds is the need of change, and the identifying code of change binding account.User logs in the financial account of oneself by online, and after online input validation code, completes the binding change of phone number.Hereafter, new phone number starts to receive the authorization information that financial institution sends.
After new cell-phone number binding financial account, the financial account in old phone number is deleted, and repeats above-mentioned steps, restart the short-message verification information of collecting this mobile phone account.
It should be noted that, in this article, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or device and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or device.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising this key element and also there is other identical element.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be well understood to the mode that above-described embodiment method can add required general hardware platform by software and realize, hardware can certainly be passed through, but in a lot of situation, the former is better execution mode.Based on such understanding, technical scheme of the present invention can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in a storage medium (as ROM/RAM, magnetic disc, CD), comprising some instructions in order to make a station terminal equipment (can be mobile phone, computer, server, air conditioner, or the network equipment etc.) perform method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize specification of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.