CN101097645B - Method for finishing financial data-handling with video terminal and public payment server - Google Patents
Method for finishing financial data-handling with video terminal and public payment server Download PDFInfo
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- CN101097645B CN101097645B CN2006100285590A CN200610028559A CN101097645B CN 101097645 B CN101097645 B CN 101097645B CN 2006100285590 A CN2006100285590 A CN 2006100285590A CN 200610028559 A CN200610028559 A CN 200610028559A CN 101097645 B CN101097645 B CN 101097645B
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Abstract
The invention discloses a kind of method to process finance data by visible terminal, said visible terminal connects with the public pay system by condition acceptance subsystem, and said condition acceptance subsystem is used to display the programs which accords with the condition on visual terminal, said condition acceptance subsystem has an intelligent card, said public pay systems stores the corresponding relationship between the unique identification information with one or several finance accounts, the method includes: the condition acceptance subsystem sends the unique identification information and the relative trading data to the public pay system; and the public pay system sends the relative trading data and the information of finance account to the corresponding processing terminal of finance data according to the corresponding relationship; and the processing terminal of finance data returns the processing result to the public pay system; and the public pay system returns the processing result to the visual terminal.
Description
Technical field
The present invention relates to the network data processing field, particularly relate to a kind of method and public payment server of finishing the finance data processing by numeral.
Background technology
Along with The development in society and economy, the financial affairs life that enters people more and more widely, the financial affairs that people's daily need is handled are more and more, how can just can finish relevant financial affairs simply and easily at home, promptly finishing relevant finance data processing procedure, is that those skilled in the art discussed one of more problem in recent years.
In the prior art, people finish the following several modes of relevant finance data processing procedure existence at home: finish relevant finance data processing etc. by Net silver system or voice system.For example:
Shopping at network: the user connects the internet by local computer at home, the extensive stock that e-commerce website on the view Internet provides and the information of service, behind the commodity of confirming to need to buy or service, by Web bank or similarly online financial sector, input user's financial account number and password, finish operations such as account transfer to commodity or the account that serves the provider, thereby finish at home by the relevant finance data processing procedure of shopping at network, wait for commodity afterwards or serve that the provider sends to institute's order goods or service gets final product.
Teleshopping: the user is by view Internet information or browse the information of extensive stock or service by video terminals such as TVs, behind the commodity of confirming to need to buy or service, transmit the relevant information of relationship trading information and credit card by voice systems such as phones, when commodity were sent to, user's signature was confirmed to conclude the business and can be finished the relevant finance data processing procedure of teleshopping.
In above-mentioned shopping at network mode, because the user need be at transmission over networks financial account number and password, even relevant identity information, security and privacy information protection in its Financial Information transmission all are difficult to guarantee; Secondly, exist finance data to handle just to require the user to input financial account number and password at every turn, then not only bother but also be more prone to cause the leakage of these Financial Informations and the safety issue that causes, for example, trojan horse etc.; Moreover, for e-commerce website, it supports a kind of data processing of fiscard, just need to build the corresponding payment system, and require an e-commerce website to support the data processing of all fiscards, no matter technically, still from cost, all be difficult to realize, be the user by online payment, the related data processing procedure of some fiscard can't be finished.
Finish in the mode of finance data processing at the above-mentioned voice system that passes through, if adopt the mode of money transaction or pay on delivery, then relevant in fact finance data processing procedure does not have the real phone that passes through and finishes, phone only is a media confirming Transaction Information, does not realize technically finishing whole finance data processing procedure by phone.If adopting the mode of credit card concludes the business, then the processing procedure of finance data is finished really, the user receives goods and the Signature Confirmation transaction gets final product, but in its process, need Financial Informations such as credit number by voice plaintext transmission user and identity information, its security and accuracy also are difficult to guarantee.
In a word, in the existing technical scheme of finishing the finance data processing procedure at home, the complex steps that has, the security of the Financial Information that has can't guarantee, even the processing of some finance data still can't finish, and these technical matterss need those skilled in the art to solve as early as possible.
Summary of the invention
Technical matters to be solved by this invention provides a kind of method of finishing the finance data processing by the video terminal, to solve the problem of finishing the finance data processing procedure that the user just can safe ready at home, can guarantee the safety in the data transmission, and realize simple, with low cost, not needing to carry out bigger scrap build can realize.
Another object of the present invention provides a kind of public payment server, link to each other with the finance data processing terminal with the video terminal, be used for the auxiliary processing of finishing finance data, to solve the problem of finishing the finance data processing procedure that the user just can safe ready at home
For solving the problems of the technologies described above, the invention provides a kind of method of finishing the finance data processing by the video terminal, described video terminal links to each other with public payment system by condition acceptance subsystem, described condition acceptance subsystem is used to make qualified video terminal just can present corresponding program, described condition acceptance subsystem has a smart card, described public payment system is stored the unique identification information of this smart card and the corresponding relation between one or more financial account number of user, and this method comprises: the unique identification information of condition acceptance subsystem transmission smart card and associated transaction data are to public payment system; Public payment system is sent to corresponding finance data processing terminal according to described corresponding relation with associated transaction data and corresponding financial account information; The finance data processing terminal returns the corresponding data result to public payment system; Public payment system is returned the corresponding data result to the video terminal.
Preferably, described condition acceptance subsystem is the structure of machine engaging one or the structure of separation between machine and card, and described condition acceptance subsystem is positioned at outside video terminal or the video terminal.
Preferably, describedly finish the method that finance data is handled, also comprise by the video terminal: the professional password of the data processing request that public payment system condition of acceptance receiving subsystem sends, and it is verified; If the verification passes, then call the unique identification information of described smart card and the described corresponding relation between one or more financial account number of user; Otherwise, return failure information.
Preferably, describedly finish the method that finance data is handled, also comprise by the video terminal: the accounts of finance password that public payment system condition of acceptance receiving subsystem sends, and be forwarded to corresponding finance data processing terminal; Described finance data processing terminal is verified it; If pass through, then finish corresponding data and handle; Otherwise, return failure information.
Preferably, the described method of finishing the finance data processing by the video terminal, also comprise: if having on-line interface between transaction the opposing party and the public payment system, then public payment system is back to the video terminal after the corresponding data result is sent to transaction the opposing party again.
Preferably, described finance data is treated to: finish the accounts of finance and the pay the fees account transfer of agreement between the accounts of finance of user binding, the realization public consumption function of paying the fees; Perhaps finish the account transfer of the accounts of finance and the non-agreement accounts of finance of user binding; Perhaps finish the inquiry of the accounts of finance of user binding, and the Transaction Information inquiry; Perhaps finish the fund stock jobbery.
Preferably, describedly finish the method that finance data is handled by the video terminal, also comprise: described condition acceptance subsystem adopts corresponding cryptographic algorithm that the data that needs send are encrypted according to the key information of its storage; Described public payment system is decrypted above-mentioned enciphered data, is sent to corresponding finance data processing terminal after the deciphering.
The present invention also provides a kind of public payment server, is used for the auxiliary processing of finishing finance data, links to each other with the video terminal by condition acceptance subsystem, and described condition acceptance subsystem has a smart card, and described server comprises with lower member:
Information memory cell is used to store the unique identification information of described smart card and the corresponding relation between one or more financial account number of user;
Receiving element is used to receive the unique identification information of associated transaction data and smart card, and the data processed result information returned of corresponding finance data processing terminal;
Logical block is used for inquiring about corresponding financial account information according to the unique identification information of the smart card that receives at described corresponding relation;
Transmitting element is used to send the extremely corresponding finance data processing terminal of financial account information that inquires according to corresponding relation, and sends corresponding data processed result information to the video terminal.
Preferably, described public payment server also comprises: the account binds the unit, is used for the user is verified, after checking is passed through, sets up the corresponding relation between intelligent card numbers and the accounts of finance in information memory cell.
Preferably, described public payment server also comprises: cipher key management unit is used for managing relevant key information and the key information of described condition acceptance subsystem is carried out regular update.
Compared with prior art, the present invention has the following advantages:
Because video terminals such as TV can present the information of extensive stock or service, and television terminal can transmit data by mode such as wired, therefore, the present invention couples together video terminal and finance data processing server, can solve the problem of associated transaction data and Financial Information input and output.
Secondly, along with popularizing and development of Digital Television, because the characteristic requirement of Digital Television in order to manage the individual character requirement of different television terminals to TV programme, has generally all been adopted condition acceptance subsystem (CASS).And the mode of employing machine engaging one no matter still adopts the mode of separation between machine and card, all needs to be provided with a smart card in condition acceptance subsystem, is used to finish correlation functions such as management, Authority Verification.The present invention utilized just Digital Television popularize in condition acceptance subsystem be extensive use of these characteristics, be provided with wherein smart card and user's fiscard connect.
Because this intelligent card chip has unique identification information (intelligent card numbers), and can generate by hardware cell, this intelligent card numbers is associated with one or more financial account number of user, can guarantee to ask uniqueness and the security initiated, wherein said financial account number can be the fiscard of financial institution's distribution arbitrarily.And the present invention can not carry out any change to existing condition acceptance subsystem, just can realize finishing the process that finance data is handled by the video terminal, and method is simple, with low cost.Moreover, by corresponding relation being kept in the public payment system, make in initiation and processing procedure that finance data is handled, do not need the higher information of security requirement such as the financial account number of transmission user and the identity information of being correlated with, so can guarantee the safety of financial data handling procedure.
Based on the present invention, the user can operate by digital TV terminal or set-top box with data-handling capacity, and can in above-mentioned smart card, preset the relevant account that pays the fees, related services such as the user just can realize variously paying the fees by the present invention, account management, inquiry into balance even buying and selling fund, be that the present invention can realize many financial application flow process, can realize family finance data processing center system simply and easily.
Description of drawings
Fig. 1 is the applied environment synoptic diagram of the method for the invention;
Fig. 2 finishes the flow chart of steps that finance data is handled by the video terminal;
Fig. 3 is the structured flowchart of the embodiment of public payment server.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with the drawings and specific embodiments.
Current, TV has become ingredient important in people's daily life, and it is not only a kind of mode of amusement, and is prior, and TV has become a kind of important means that people obtain information.Along with the development of Digital Television, make television terminal have certain data processing capability, spectators also can carry out corresponding interoperability by TV.Just be based on this technical development, the present invention proposes a kind of television terminal that passes through very simple, that realization is with low cost and realize to finish the method and system that finance data is handled at home.
Core concept of the present invention is: the video terminal by with its one to one condition acceptance subsystem link to each other with public payment system, store the corresponding relation between its corresponding financial card information of smart card unique identification that described condition acceptance subsystem has on this public payment system, make public payment system after getting access to the transaction request that condition acceptance subsystem sends, can inquire about the information that obtains with the corresponding fiscard account of its smart card unique identification etc.The user sends transaction request by condition acceptance subsystem to public payment system; Public payment system is inquired about and the corresponding financial card information of this smart card, and corresponding financial card information and transaction data are sent to corresponding finance data processing terminal, handles and return corresponding transaction results information by the latter.
With reference to Fig. 1, be the applied environment synoptic diagram of the method for the invention, comprise a plurality of digital TV terminals 11 and condition acceptance subsystem 12, public payment system 13 and a plurality of finance data processing terminal 14.
Described condition acceptance subsystem 12 can engage one structure for machine, also can be the structure of separation between machine and card, and described condition acceptance subsystem 12 can be positioned at video terminal 11, also can be positioned at outside the video terminal 11.Be that condition acceptance subsystem 12 can link to each other with described video terminal 11 for an external device (ED), for example, close on the machine top; Perhaps the correlation function by video terminal 11 integrated these condition acceptance subsystem 12 gets final product.
The present invention can not improve the purpose that can realize the present invention to existing digital TV terminal and condition acceptance subsystem, therefore, can get final product referring to relevant patent or works about the details of digital TV terminal and condition acceptance subsystem.
Following the present invention simply describes the principle of work of digital television conditional access system (CAS): realize control to condition by scrambling and descrambling, in the Digital Television that adopts MPEG-2, the scrambling process is exactly with a pseudo-random sequence by control word CW control PES stream or TS stream to be carried out disturbance, and making does not have authorized users can not watch program.For authorized user, receiver also has a same pseudo-random sequence generator, if receive correct CW, just can generate scrambling sequence, and the disturbance of ring off signal recovers the signal that receiver can be play.
The key of user's descrambling is exactly to obtain correct CW, and CW be along with useful signal by public Channel Transmission.Thus, the encryption of CAS is actual to be exactly encryption to CW, to prevent the intrusion of unauthorized user.CW controls scrambler on the one hand to the data sts-stream scrambling sts; Encrypt formation Entitlement Control Message ECM by business cipher key SK (Server Key) on the other hand and deliver to receiving end.For the confidentiality of signal, CW will change once in general several seconds, and SK also must carry out encipherment protection.In general, encryption is carried out according to each user's feature fully to SK.Because every receiver can be compiled only reception plane No., so can generate individual distributing key PDK (Personal Distribution Key) SK is encrypted by this sequence number, form Entitlement Management Message EMM.PDK is produced by the CA system equipment and strict control, can not be read by the user at receiving end.For different stage, dissimilar service can be provided, a cover cas system is often distributed several PDK for each user, satisfies the business demand of enriching.EMM is that customer management information and SK etc. encrypt formation by PDK.Customer management information is formed by the Subscriber Management System of service provider, comprises user's name, address, intelligent card numbers etc.The average per 8～10s of EMM inserts transport stream once, so that newly start shooting user's descrambling.Descrambling is the inverse process of scrambling, at first inputs the password of user smart card, if the correct PDK of password will be decrypted SK; Then, by SK ECM is decrypted control word CW.
Among Fig. 1, a plurality of video terminals 11 link to each other with public payment system 13 by condition acceptance subsystem 12, described public payment system 13 links to each other with a plurality of finance data processing terminals 14, and each finance data processing terminal all belongs to corresponding fiscard issuer or accounts of finance is set up mechanism.For example, video terminal 1,2,3 links to each other with public payment system by condition acceptance subsystem 1,2,3 respectively, and public payment system links to each other with finance data processing terminal 1,2,3.Described public payment system 13 stores the unique identification information of the smart card in the condition acceptance subsystem 12 and the corresponding relation between one or more financial account number of user, can Transaction Information be sent to the finance data processing terminal 14 that corresponding accounts of finance is set up mechanism according to this corresponding relation, and then finish processing procedure.In order better to realize the distribution of finance data, between public payment system 13 and each finance data processing terminal 14, can also comprise inter-bank switching centre.
With reference to Fig. 2, be the flow chart of steps of the method for the invention.
The unique identification information of step 201, condition acceptance subsystem transmission smart card and associated transaction data are to public payment system.
The unique identification information of described smart card can be read by intelligent card interface by condition acceptance subsystem, and this identification information has broken away from this smart card and can't use and read.Described Transaction Information can be directly by presenting in the video terminal, and the user selects to confirm that condition acceptance subsystem can obtain associated transaction data by telepilot; Also can be by the input equipment input associated transaction data of condition acceptance subsystem.Condition acceptance subsystem can be transmitted related data by communication special line or catv line.Described relationship trading information includes but not limited to Bank Account Number, payment and user's bank card password etc. of beneficiary.
Can integrated a plurality of applying units in the described smart card, for example the public consumption application module of paying the fees is used to finish the fiscard account of user binding and the account transfer of paying the fees between the agreement account; The account transfer module is used to finish fiscard account with the non-account's of agreement of user binding account transfer; Account management module is used for the fiscard account that inquiring user is bound, and the Transaction Information inquiry; The financing module is used for the fund stock jobbery.
Before step 201, can also comprise step 200, be used to finish professional password authentification and business customizing.
Before the beginning data processing, condition acceptance subsystem is verified the professional password of the data processing request of reception, if the verification passes, then calls the unique identification information and the associated transaction data of smart card, is sent to public payment system; Otherwise, return failure information.Described professional password needs the user to import, in order to guarantee the safe in utilization of described smart card.
Using the present invention to carry out the finance data processing, for example before the payment transaction, the user at first needs to handle the relevant formality of its employed video terminal business of paying, for example, and the binding of authentication and intelligent card numbers and accounts of finance etc.The user can realize business customizing by variety of way, for example, directly finishes voluntarily by video terminal and condition acceptance subsystem; Perhaps directly go sales counter manually to handle; Perhaps phone, internet customization etc. all are feasible modes.Adopt said method, the user can finish the binding of a plurality of bank cards, when carrying out data processing, selects a use and gets final product.
Preferably, data transmission between condition acceptance subsystem and the public payment system can adopt the method for encrypted transmission, and for example: described condition acceptance subsystem adopts corresponding cryptographic algorithm that the data that needs send are encrypted according to storage key information wherein; Described public payment system is decrypted above-mentioned enciphered data, is sent to corresponding finance data processing terminal after the deciphering.
Exchange message format between condition acceptance subsystem and public payment system can adopt the customization message format of self-defining newspaper zhang form or commercial bank, for example, follows fundamental norms or the GB GB/T15150 transaction message standard of IS08583.
In the transmission course of data, can adopt multiple encryption algorithms that the data of being transmitted are encrypted between condition acceptance subsystem and the public payment system, this cryptographic algorithm can be symmetric encipherment algorithm one data encryption standard algorithm (Data Encryption Standard, abbreviate DES as) or the combination of rivest, shamir, adelman one security association algorithm (Security Association abbreviates SA as) or symmetric encipherment algorithm and rivest, shamir, adelman.
When adopting rivest, shamir, adelman, the transmission of public key data is transmitted after can adopting symmetric encipherment algorithm to encrypt again, to guarantee the security of public key information.Being used for data transmission encrypted secret key data all can be regularly or regularly change, and the data security transmission of the secondary key of realizing once concluding the business.
Described public payment system stores the unique identification information of the smart card in the condition acceptance subsystem and the corresponding relation between one or more financial account number of user, the user can also indicate the fiscard which correspondence is this data processing use by self-defining account number code in the information that sends, for example, by symbol logos such as letter or numerals.
Public payment system is found out corresponding financial account number information according to above-mentioned information, together be sent to the finance data processing terminal of corresponding fiscard card sending mechanism with the relationship trading information that receives, this data processing operated by this finance data processing terminal.
The user can also send the corresponding password of accounts of finance of its selection by described condition acceptance subsystem, is used for the checking by corresponding finance data processing terminal.Public payment system receives the accounts of finance password, and is forwarded to corresponding finance data processing terminal together with user's selection information (for example, self-defining account number code), relationship trading information; Described finance data processing terminal is verified the fiscard password; If the verification passes, illustrate that then the user is a validated user, this fiscard is finished corresponding data handle; Otherwise, return failure information.
Data transmission between finance data processing terminal and the public payment system can adopt the exchange message format of general finance data transmission and corresponding encryption method to get final product, and does not repeat them here.
Described data handling procedure and object information can for example, be used to pay similarly expense of family such as water, electricity, combustion gas, phone for various; Perhaps carry out the fund among the fiscard account of user binding is changed over to other accounts' process, the account information that changes over to can be imported by the user, is sent to public payment system and gets final product, as the part of associated transaction data; Perhaps also can be the fiscard account's of user binding inquiry and Transaction Information inquiry etc.; Even can also be used for the processing of financing such as fund stock jobbery data.
The finance data processing terminal to above-mentioned various request complete operations after, data processed result is sent to the video terminal by public payment system, on screen, present, and can be in condition acceptance subsystem or in the smart card the transaction results information stores.
If have on-line interface between transaction the opposing party and the public payment system, then public payment system is back to the video terminal after the corresponding data result is sent to transaction the opposing party again.If only have the off line interface between transaction the opposing party and the public payment system, then directly data processed result information returned the video terminal and get final product.
The smart card that the present invention utilizes the condition acceptance subsystem in the digital television application to need has the characteristic of unique identification information, and is related with actual financial account number generation by public payment system; Be applicable to the video terminal of all Applied Digital Television Reception Technology.The present invention only needs the user can conclude the business by input relationship trading information and self-defining account number code on the video terminal, need not import account No., and data message can adopt the mode of encryption to transmit; And the password confirming mechanism of two-stage is provided, and the user starts transactional services by video terminal incoming traffic password confirming, the execution of input accounts of finance password confirming transaction on the video terminal; Guaranteed the safety of account and process of exchange.
With reference to Fig. 3, be the structured flowchart of a public payment server provided by the invention.Because being used for assisting, described public payment server finishes method shown in Figure 2, so the most information in this part can be referring to aforementioned relevant portion.
Public payment server shown in Figure 3 links to each other by condition acceptance subsystem with the video terminal, is used for the auxiliary processing of finishing finance data, comprises with lower member:
Information memory cell 31 is used for the unique identification information of smart card of storage condition receiving subsystem and the corresponding relation between one or more financial account number of user;
Receiving element 32 is used to receive the unique identification information of associated transaction data and smart card, and the data processed result information returned of corresponding finance data processing terminal;
Logical block 33 is used for inquiring about corresponding financial account information according to the unique identification information of the smart card that receives at described corresponding relation;
Transmitting element 34 is used to send the extremely corresponding finance data processing terminal of financial account information that inquires according to corresponding relation, and sends corresponding data processed result information to the video terminal.
Preferably, described public payment server can also comprise that the account binds unit 35, be used to receive the financial account information of user's identity information, authorization information, intelligent card numbers information and needs binding, confirm the client be the legal user of bank card after described public payment server in information memory cell, preserve the incidence relation of CATV terminal intelligent card numbers and bank card, can comprise relevant informations such as CATV terminal intelligent card numbers, bank's card number, credit card issuer in the mapping table.
Preferably, described public payment server can also comprise: cipher key management unit 36 is used for managing relevant key information and the key information of described condition acceptance subsystem is carried out regular update.Transmission is the preferred plan that guarantees the safety of data in transmission after the data encryption, therefore, for realization and the renewal of improving ciphering process, can increase cipher key management unit at public payment server shown in Figure 3.
Public payment server shown in Figure 3 can be provided with on-line interface 37 with trade company, and then public payment server can be notified to trade company with successful consumer sale in real time or behind the clearance in batches according to the actual conditions of trade company.After transaction data was handled and to be completed successfully, the sending to finish voluntarily of article between trade company and the consumer or service get final product, just had nothing to do with data handling procedure of the present invention.If on-line interface is not set between public payment server and the trade company, have only off line interface 38, then can regularly or send Transaction Information behind the clearance in batches.
Concerning trade company, public payment server produces trade company accounting checking file, consolidated statement and trade company's statement of account every day, sends trade company to.Trade company checks account according to the data of public payment server and the processing that keeps accounts accordingly/write off.
Concerning the CATV terminal provider, public payment server provides every day finishes the transaction summary sheet, and the CATV terminal provider carries out the service charge verification of data according to form.
More than a kind ofly finish method and the public payment server that finance data is handled to provided by the present invention by the video terminal, be described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (10)
1. finish the method that finance data is handled by the video terminal for one kind, it is characterized in that, described video terminal links to each other with public payment system by condition acceptance subsystem, described condition acceptance subsystem is used to make qualified video terminal just can present corresponding program, described condition acceptance subsystem has a smart card, described public payment system is stored the unique identification information of this smart card and the corresponding relation between one or more financial account number of user, be used for searching corresponding with it financial account according to the unique identification information of described smart card, this method comprises:
The unique identification information of condition acceptance subsystem transmission smart card and associated transaction data are to public payment system;
Public payment system is sent to corresponding finance data processing terminal according to described corresponding relation with associated transaction data and corresponding financial account information;
The finance data processing terminal returns the corresponding data result to public payment system;
Public payment system is returned the corresponding data result to the video terminal.
2. the method for finishing the finance data processing by the video terminal as claimed in claim 1, it is characterized in that, described condition acceptance subsystem is the structure of machine engaging one or the structure of separation between machine and card, and described condition acceptance subsystem is positioned at outside video terminal or the video terminal.
3. as claimed in claim 1ly finish the method that finance data is handled, it is characterized in that, also comprise by the video terminal:
The professional password of the data processing request that public payment system condition of acceptance receiving subsystem sends, and it is verified;
If the verification passes, then call the unique identification information of described smart card and the described corresponding relation between one or more financial account number of user; Otherwise, return failure information.
4. as claimed in claim 1ly finish the method that finance data is handled, it is characterized in that, also comprise by the video terminal:
The accounts of finance password that public payment system condition of acceptance receiving subsystem sends, and be forwarded to corresponding finance data processing terminal;
Described finance data processing terminal is verified it;
If pass through, then finish corresponding data and handle; Otherwise, return failure information.
5. as claimed in claim 1ly finish the method that finance data is handled, it is characterized in that, also comprise by the video terminal:
If have on-line interface between transaction the opposing party and the public payment system, then public payment system is back to the video terminal after the corresponding data result is sent to transaction the opposing party again.
6. as claimed in claim 1ly finish the method that finance data is handled, it is characterized in that described finance data is treated to by the video terminal:
Finish the accounts of finance and the pay the fees account transfer of agreement between the accounts of finance of user binding, the realization public consumption function of paying the fees;
Perhaps finish the account transfer of the accounts of finance and the non-agreement accounts of finance of user binding;
Perhaps finish the inquiry of the accounts of finance of user binding, and the Transaction Information inquiry;
Perhaps finish the fund stock jobbery.
7. as claimed in claim 1ly finish the method that finance data is handled, it is characterized in that, also comprise by the video terminal:
Described condition acceptance subsystem adopts corresponding cryptographic algorithm that the data that needs send are encrypted according to the key information of its storage;
Described public payment system is decrypted above-mentioned enciphered data, is sent to corresponding finance data processing terminal after the deciphering.
8. a public payment server is used for the auxiliary processing of finishing finance data, it is characterized in that link to each other with the video terminal by condition acceptance subsystem, described condition acceptance subsystem has a smart card, and described server comprises with lower member:
Information memory cell is used to store the unique identification information of described smart card and the corresponding relation between one or more financial account number of user;
Receiving element is used to receive the unique identification information of associated transaction data and smart card, and the data processed result information returned of corresponding finance data processing terminal;
Logical block is used for inquiring about corresponding financial account information according to the unique identification information of the smart card that receives at described corresponding relation;
Transmitting element is used to send the extremely corresponding finance data processing terminal of financial account information that inquires according to corresponding relation, and sends corresponding data processed result information to the video terminal.
9. public payment server as claimed in claim 8 is characterized in that, also comprises:
The account binds the unit, is used for the user is verified, after checking is passed through, sets up the unique identification information of described smart card and the corresponding relation between one or more financial account number of user in information memory cell.
10. public payment server as claimed in claim 8 is characterized in that, also comprises:
Cipher key management unit is used for managing relevant key information and the key information of described condition acceptance subsystem is carried out regular update.
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| CN2006100285590A CN101097645B (en) | 2006-06-30 | 2006-06-30 | Method for finishing financial data-handling with video terminal and public payment server |
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| US20130060682A1 (en) * | 2010-05-25 | 2013-03-07 | Nec Soft, Ltd. | Method for managing payment means over a network using electronic wallet, payment means management device, and payment means management program |
| CN102681936B (en) * | 2012-05-03 | 2014-11-19 | 中国农业银行股份有限公司 | Verification method and device for test result of financial system |
| CN105007509A (en) * | 2015-06-29 | 2015-10-28 | 安徽广电信息网络股份有限公司 | Television transaction payment method based on intelligent payment card |
| CN105096106B (en) * | 2015-07-10 | 2021-06-15 | 交通银行股份有限公司 | System for paying charges by using internet |
| WO2017091594A1 (en) * | 2015-11-23 | 2017-06-01 | Visa International Service Association | System and method of providing supplemental information in a transaction |
| CN107067258A (en) * | 2017-03-14 | 2017-08-18 | 平安科技（深圳）有限公司 | Financial transaction management system and method |
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| CN1601960A (en) * | 2004-10-26 | 2005-03-30 | 杭州恒生电子股份有限公司 | Safety authentication method of cell phone bank system |
| CN1641704A (en) * | 2004-01-13 | 2005-07-20 | 湖南金码科技发展有限公司 | Self-assistant service terminal with visual dialogue, self-assistant service system and use method |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1641704A (en) * | 2004-01-13 | 2005-07-20 | 湖南金码科技发展有限公司 | Self-assistant service terminal with visual dialogue, self-assistant service system and use method |
| CN1601960A (en) * | 2004-10-26 | 2005-03-30 | 杭州恒生电子股份有限公司 | Safety authentication method of cell phone bank system |
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