sql语句将手机号中间四位数替换成‘****’

sql语句将手机号中间四位数替换成‘****’,找不到适当的方法， 求解紧急紧急！！！

SELECT , replace (telephone,SUBSTR(telephone,4,4),"***") from userInfo

SELECT INSERT((SELECT phone FROM test),5,4,'****') AS phoneNum

SELECT STUFF(phone,5,4,'****') from Test

SELECT INSERT((SELECT phone FROM test),5,4,'****') AS phoneNum

-- 13912345678
-- 139****5678

select concat ( substring('13912345678',1,3),'****',substring('13912345678',8,4))