CN104361521A - Electronic exchange system and method based on mobile terminal - Google Patents
Electronic exchange system and method based on mobile terminal Download PDFInfo
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- CN104361521A CN104361521A CN201410609066.0A CN201410609066A CN104361521A CN 104361521 A CN104361521 A CN 104361521A CN 201410609066 A CN201410609066 A CN 201410609066A CN 104361521 A CN104361521 A CN 104361521A
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Abstract
The invention provides an electronic exchange system and method based on a mobile terminal. The system at least comprises a paying client, a payment receiving client, a paying server and a payment receiving server. The paying client and the payment receiving client are mounted on the intelligent mobile terminal with a network communication function. The paying client collects the remittance information input through the intelligent mobile terminal and transmits the remittance information to the paying server, and the paying client transmits a withdrawing instruction to the payment receiving client at the same time. The paying server extracts the remittance information and transmits information of the corresponding transferred money to the payment receiving server according to the contents of the remittance information. The payment receiving server receives the information of the corresponding transferred money. The payment receiving client receives the withdrawing instruction transmitted by the paying client. The payment receiving server further comprises a checking module for checking information. The electronic exchange system has the advantages that remote cashing is achieved by the mobile terminal, and remote regions without enough financing facilities are especially facilitated.
Description
Technical field
The present invention relates to electronic exchange technical field, espespecially a kind of system and electronic exchange method adopting mobile terminal processes electronic agiotage.
Background technology
Exchange, also known as " exchange table ", refers to that its fund is paid the clearing form of payee by enterprise (remitter) authorized bank.The clearing of the various funds of entity and individual, all can use exchange table mode.This mode is convenient to the payee proactive payment of remitter to strange land, and the scope of application is very extensive.For a long time, for remote districts, bank outlets are often difficult to cover, and unit is mainly handled always as this kind of regional agiotage in post office, and " mail remittance " known by us is postal money order business.
Early stage postal money order business transmits draft by mailing or telegram, and speed is slow, and efficiency is low.After 2000, electronic exchange business has been carried out in post office.Electronic exchange, cashes as the term suggests remittance user posted exactly is sent to paying office by electronic information, and does not have transmission in kind.
The electronic exchange general flow handled by post office is: first in exploitation office, money order is given salesman by user, user profile is entered in computing machine by salesman, after auditor is audited, draft information is by the transmission of network, just can be delivered to paying office at short notice, user, after printed advice note, gives by postman in paying office.When cashing, user can the post office of all electronic exchanges networking in the whole city, institute cash with the bill of credit.The generation of electronic exchange, changes traditional draft transfer mode, shortens the agiotage time limit, greatly facilitate user.
Although the Internet bank, Mobile banking etc. utilize network to handle associated bank business to widely use in recent years.But, for the user living in remote districts, bank outlets' distance area very far away, utilize post office or similar financial service point to handle the agiotage of cash still very general.
The electronic exchange of current post office, still needs delivery notice list to user, and user needs to arrive in post office with the perfect instrument such as advice note and I.D. to get, and not only process is complicated, length consuming time, also there is the various safety problems such as advice note loss, false claiming.
Summary of the invention
The present invention, in order to solve convenience and the safety issue of the existence of current electronic exchange papery advice note, proposes a kind of electronic remittance system based on mobile terminal and electronic exchange method, eliminates papery advice note, Portable safety.
In order to realize the above goal of the invention of the present invention, the present invention is achieved by the following technical solutions:
Based on the electronic remittance system of mobile terminal, comprise at least one payment client, a gathering client, a payment service end and a gathering service end; Payment client and gathering client are installed on to be had on the intelligent mobile terminal of network communication function;
Payment client comprises a remittance information acquisition module, gathers the remittance information comprising a reservation code inputted by intelligent mobile terminal;
One remittance information transmission modular, is transferred to payment service end by remittance information;
One withdraws the money directive generation module, generates the instruction of withdrawing the money that comprises reservation code;
And one withdraws the money instruction sending module, instruction of withdrawing the money is sent to gathering client;
Payment service end comprises, and a remittance data obtaining module, extracts the remittance information comprising reservation code that payment client is sent;
And one remittance transfer module, to send to gathering service end according to the content in remittance information and transfer information and the reservation code of corresponding fund;
Gathering service end comprises, and a remittance transfers receiver module, and the information transferring corresponding fund that reception payment service end sends also receives reservation code;
Gathering client comprises command process module of withdrawing the money, and the instruction of withdrawing the money that reception payment client is sent also shows the instruction of withdrawing the money comprising reservation code;
Gathering service end also comprises a check module, for checking the information at least comprising reservation code.
In technique scheme, instruction of withdrawing the money directly sends to gathering client (actual reception people is payee) by payment client (practical operation people and remitter).Payee extracts fund with the reservation code of withdrawing the money in instruction.Compare traditional mail remittance, eliminate the delivery of papery remittance slip, avoid the loss of remittance slip, safe ready.
Remitter only need use intelligent mobile terminal (such as mobile phone, panel computer etc.) to complete remittance, without the need to filling in money order to bank or post office sales counter, very convenient.And service end location of collecting money is not limited to bank or postal network and points, the financial service point able to make payment of mandate also can be through.No matter payee gets cash or account transfer with reservation code to gold contact (comprising above-mentioned bank, postal network and points and financial service point), very convenient.Therefore, the enforcement of the technical program, traditional agiotage the is broken away from restriction of bank or postal network and points, even the remitter in remote districts and payee also can easily handle agiotage.
Further preferably, gathering service end also comprises an advice of collection module, sends advice of collection to gathering client; Gathering client also comprises an exchange notification handler module, and the advice of collection that reception gathering service end is sent also shows advice of collection.
In above-mentioned preferred version, gathering service end sends advice of collection to gathering client.Such payee withdraws the money except instruction except obtaining, and also can obtain the notice arrived of remitting money.Advice of collection is not only convenient withdraws the money in time, can also corroborate each other with instruction of withdrawing the money, and avoids wherein somely not seen by payee once in a while, causes payee not know the problem having this to remit money.
Further preferably, this system also comprises a mobile network service end, for passing through mobile network's transmission of information between payment client, gathering client, payment service end and gathering service end;
And a SSL security gateway, as the interface that payment client and gathering client are received and sent messages to mobile network service end.
Above-mentioned preferred version specifically illustrates how by mobile network's transmission of information, the wherein security of information transmission that ensures of SSL security gateway.Mobile network service end can be realized by the server aiming at native system framework.Mobile network is provided by Information Mobile Service business, such as China Mobile, CHINAUNICOM and China Telecom etc.
Further preferably, this system also comprises a checking client, is installed on the intelligent mobile terminal at payment client place,
And a service for checking credentials end, with checking client bi-directional verification, and generate an one-time password by checking client, one-time password sends the trading password of money transfer request and the key of remittance information transmission as payment client to payment service end;
Between service for checking credentials end and checking client by SSL security gateway as interface by mobile network service end transmission of information.
In above-mentioned preferred version, set up separately a checking client and service for checking credentials end, object be in order to generate an one-time password as payment client to payment service end send money transfer request trading password remittance information transmission key.Trading password does not directly use the password of withdrawing the money of remitter's bank account, this one-time password can also be adopted to encrypt in the process of remittance information transmission.Ensure that security greatly like this.Service for checking credentials end can be realized by the server aiming at native system framework.Checking client only has password algorithm, and do not preserve digital certificate, and the calculating of password can the joining day, random number, handset serial, cell-phone number, one or more factors in Mobile PIN, this ensure that the safety when terminal devices such as mobile phone are lost.
Further preferably, this system also comprises instruction encryption end, of withdrawing the money and to withdraw the money cipher key service end, and one withdraws the money instruction decryption end;
The intelligent mobile terminal that end is installed on payment client place is encrypted in instruction of withdrawing the money, for instruction of the identify label encryption generation encryption of instruction gathering client of withdrawing the money being withdrawn the money;
Cipher key service of withdrawing the money end is for generating decrypted private key according to identify label and sending decrypted private key to instruction decryption end of withdrawing the money;
Instruction decryption of withdrawing the money end is installed on the intelligent mobile terminal at gathering client place, for obtaining decrypted private key and withdrawing the money instruction with its enabling decryption of encrypted, obtains instruction of withdrawing the money;
Instruction of withdrawing the money encryption end, cipher key service of withdrawing the money end and to withdraw the money between instruction decryption end by SSL security gateway as interface by mobile network service end transmission of information.
In above-mentioned preferred version, to withdrawing the money, instruction is encrypted, even if having other people to see or receive this instruction of withdrawing the money, does not also understand its true content, ensure that the security in transmitting procedure.In such scheme, identify label (such as remittee number, mailbox etc.) is namely encrypted public key, need not exchange online, also consult without off-line, and being simple and easy to very is used.Compare traditional digital certificate mode, this programme is disposed simple, and can smoothly in cell phone software run, construction cost is low.In addition, send encryption and withdraw the money instruction to before payee, do not need payee's registered in advance.Decrypted private key is directly sent to instruction decryption end of withdrawing the money by cipher key service of withdrawing the money end, does not need to inform that payee separates password by other channel.Cipher key service of withdrawing the money end can be realized by the server aiming at native system framework.
Further preferably, native system also comprises client validate service end, for verifying the identity of payment client and gathering client; Client validate service end and payment client and to collect money between client by SSL security gateway as interface by mobile network service end transmission of information.
In this programme, client validate service end in order to verify payment client and gathering client whether be unique real, prevent pirate client, improve security further.Client validate service end can be realized by the server aiming at native system framework.
The present invention also provides a kind of electronic exchange method based on mobile terminal, comprises the steps:
S1 payer comprises the remittance information of reservation code by intelligent mobile terminal input and sends to gold contact of paying the bill;
The instruction of withdrawing the money comprising reservation code is sent to the intelligent mobile terminal of payee by S2 payer by intelligent mobile terminal;
S3 payment gold contact transfers corresponding fund according to remittance information and sends reservation code to gold contact of collecting money;
S4 gathering gold contact receives remits money and obtains reservation code;
S5 payee collects remittance with the reservation code of withdrawing the money in instruction to gathering gold contact.
Corresponding with present system, adopt the inventive method, payee extracts fund with the reservation code of withdrawing the money in instruction, eliminates the delivery of papery remittance slip, safe ready.
Remitter only need use intelligent mobile terminal to complete remittance, and payee is with reservation code to gold contact gathering, and polyvinyl chloride is convenient.The enforcement of the technical program, traditional agiotage the is broken away from restriction of bank or postal network and points, even the remitter in remote districts and payee also can easily handle agiotage.
Further preferably, also comprise step S45 gathering gold contact between step S4 and S5 and send advice of collection to payee.
Corresponding with present system, adopt this method for optimizing, payee withdraws the money except instruction except obtaining, and also can obtain the notice arrived of remitting money, and not only facilitate and withdraw the money in time, instruction of withdrawing the money can also be corroborated each other with instruction of withdrawing the money.
Further preferably, a verification step S0 is also comprised: be installed on the checking client on the intelligent mobile terminal of payer and a service for checking credentials end two-way authentication before step S1, and generating an one-time password by checking client, one-time password sends the trading password of money transfer request and the key of remittance information transmission as payer to payment gold contact.
Corresponding with present system, in above-mentioned preferred steps, take one-time password as the key of trading password with remittance information transmission, ensure that full safety, even if midway remittance information is is maliciously intercepted and captured or accidentally revealed, also cannot decipher easily, its true content is unknowable.In addition, one-time password also helps as the key of remittance information transmission the integrality ensureing data.
Further preferably, also comprise instruction encrypting step: the S20 that withdraws the money before step S2 the instruction identify label of remittee encryption of withdrawing the money to be generated encryption and to withdraw the money instruction;
After step S2, also comprise encryption instruction decryption step: S21 mono-cipher key service end of withdrawing the money of withdrawing the money and generate decrypted private key according to the identify label of remittee and be sent on the intelligent mobile terminal of remittee;
S22 obtains decrypted private key and to withdraw the money instruction with its enabling decryption of encrypted, obtains the content of instruction of withdrawing the money.
Corresponding with present system, in above-mentioned preferred steps, adopt the technological means to instruction encryption of withdrawing the money, the security of further guarantee information.
To sum up, the present invention is based on electronic remittance system and the method for summary of mobile terminal, remittance and checkout process efficient and convenient, eliminate papery notice loaded down with trivial details and delay.The enforcement of the technical program, traditional agiotage the is broken away from restriction of bank or postal network and points, even the remitter in remote districts and payee also can easily handle agiotage.In addition, native system and method, in all important information transmitting procedures, all with ciphertext form transmission, even illegally obtain information, also cannot be known its true content, ensure that security, more can ensure user's fund security.
Accompanying drawing explanation
Below in conjunction with the drawings and specific embodiments, the present invention is described in further detail:
Fig. 1 is a kind of electronic remittance system first example structure schematic diagram based on mobile terminal of the present invention;
Fig. 2 is a kind of electronic exchange method first embodiment schematic flow sheet based on mobile terminal of the present invention;
Fig. 3 is a kind of electronic remittance system second example structure schematic diagram based on mobile terminal of the present invention;
Fig. 4 is a kind of electronic exchange method second embodiment schematic flow sheet based on mobile terminal of the present invention;
Fig. 5 is a kind of electronic remittance system based on mobile terminal of the present invention the 3rd example structure schematic diagram;
Fig. 6 is a kind of electronic remittance system based on mobile terminal of the present invention the 4th example structure schematic diagram;
Fig. 7 is a kind of electronic exchange method the 4th embodiment schematic flow sheet based on mobile terminal of the present invention;
Fig. 8 is a kind of electronic remittance system based on mobile terminal of the present invention the 5th example structure schematic diagram;
Fig. 9 is a kind of electronic exchange method the 5th embodiment schematic flow sheet based on mobile terminal of the present invention;
In figure:
1 payment client 2 payment service end 3 is collected money service end
11 remittance information acquisition modules 21 remit money data obtaining module 31 remittance transfer receiver module
12 remittance information transmission modular 22 remittances transfer module 32 advice of collection module
13 directive generation module 33 of withdrawing the money check module
14 withdraw the money instruction sending module
4 gathering client 5SSL security gateway 6 mobile network service ends
41 withdraw the money command process module 7 checking client 8 service for checking credentials end
42 exchange notification handler module
90 instruction encryption end 91 instruction decryption ends 92 of withdrawing the money of withdrawing the money are withdrawn the money command service end
Embodiment
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
First embodiment
As shown in Figure 1, present embodiments provide a kind of electronic remittance system based on mobile terminal, comprise at least one payment client 1, gathering client 4, payment service end 2 and a gathering service end 3.Payment client 1 and gathering client 4 are installed on to be had on the intelligent mobile terminal of network communication function.Mobile terminal in the present embodiment has network communicating function, comprises mobile phone, with the panel computer of SIM card or other intelligent terminals with SIM card.The payment service end 2 of the present embodiment and gathering service end 3 can be realized by the background server of bank, post office or other financial platform.For convenience of description, for bank, other units with financial service also can be suitable for the present invention to following examples.
The payment client 1 of the present embodiment can be realized by the electronic exchange APP (i.e. application program, English full name: Application) being applied to the intelligent terminal such as mobile phone, flat board.For convenience of description, for mobile phone, the intelligent terminal of other kinds can certainly be suitable for the present invention to following examples.Payment client 1 and gathering client 4 can realize with same electronic exchange APP.Gathering client 4 also can be only that the note of mobile phone receives Presentation Function.
Payment client 1 comprises a remittance information acquisition module 11, gathers the remittance information comprising reservation code inputted by intelligent mobile terminal.Namely remitter inputs remittance information by the electronic exchange APP on mobile phone.One remittance information transmission modular 12, is transferred to payment service end 2 by remittance information.Now, remittance information to be received a remittance information by paying bank.Remittance information can comprise the item content such as place, remittance Bank Name, payee's name, account No., purpose of remittance, the amount of money of reservation code, remittance usually.This reservation code can be a numeral and/or the alphabetic coding of remitter oneself setting.
Payment client 1 also comprises directive generation module 13 of withdrawing the money, and generates the instruction of withdrawing the money that comprises reservation code.Instruction of withdrawing the money can also comprise money transfer amount, the information such as remitter.
Payment client 1 also comprises instruction sending module 14 of withdrawing the money, and instruction of withdrawing the money is sent to gathering client 3.Instruction of withdrawing the money can pass through short message sending.
Payment service end 2 comprises, and a remittance data obtaining module 21, extracts the remittance information comprising reservation code that payment client 1 is sent; And one remittance transfer module 22, to send to gathering service end 3 according to the content in remittance information and transfer information and the reservation code of corresponding fund.Remittance transfers the information transmission tasks that module 22 can also comprise usual interbank clearing needs.
Gathering service end 3 comprises, and a remittance transfers receiver module 31, the information transferring corresponding fund that reception payment service end 2 sends and reservation code.Remittance transfers receiver module 31 and can also transfer module 22 and coordinated other interbanks to settle accounts the information transmission tasks of needs with remittance.
Gathering client 4 comprises command process module 41 of withdrawing the money, and the instruction of withdrawing the money that reception payment client 1 is sent also shows the instruction of withdrawing the money comprising reservation code.Payee can see from SMS instruction of withdrawing the money.Gathering service end 3 also comprises a check module 32, for checking the information at least comprising reservation code.Payee is with the reservation code gathering of withdrawing the money in instruction.Check the cell-phone number that module 32 can also check payee, payee provides cell-phone number and reservation code to collect money simultaneously.
The present embodiment system method of summary flow process is in use as Fig. 2.Based on the short-message verification method of mobile terminal, comprise the steps:
S1 payer comprises the remittance information of reservation code by intelligent mobile terminal input and sends to gold contact of paying the bill.
The instruction of withdrawing the money comprising reservation code is sent to the intelligent mobile terminal of payee by S2 payer by intelligent mobile terminal.This step and step S1, S3 and S4 are relatively independent steps, and its order there is no strict demand, as long as before occurring in S5.
S3 payment gold contact transfers corresponding fund according to remittance information and sends reservation code to gold contact of collecting money;
S4 gathering gold contact receives remits money and obtains reservation code.
S5 payee collects remittance with the reservation code of withdrawing the money in instruction to gathering gold contact.
The embody rule scene of above-mentioned steps, carries out exchange to use the electronic exchange APP on mobile phone.Remitter opens electronic exchange APP (realizing APP of the present invention), in remittance page input remittance information, and by the instruction short message sending of withdrawing the money containing reservation code on the mobile phone of payee.Payee in gold contact oneself cell-phone number of input and reservation code, gold contact verification by after fund transfered account payee or cash payment to payee.
Second embodiment
As shown in Figure 3, the present embodiment is compared with the first embodiment, and gathering service end 3 also comprises advice of collection module 33, sends advice of collection to gathering client 4.Gathering client 4 also comprises exchange notification handler module 42, and the advice of collection that reception gathering service end 3 is sent also shows advice of collection.Other parts are identical with the first embodiment.Advice of collection can pass through short message sending.Advice of collection module still can be realized by bank's background server, identical with the technology that current bank sends various notifying messages.Exchange notification handler module 42 can realize with the same electronic exchange APP of payment client 1; Also can be only the note reception Presentation Function of mobile phone.
The corresponding method of summary flow process of the present embodiment as shown in Figure 4.Compare the step of the first embodiment, between step S4 and S5, add step S45, gathering gold contact sends advice of collection to payee.Such payee withdraws the money except instruction except obtaining, and also can obtain the notice arrived of remitting money.Advice of collection is not only convenient withdraws the money in time, can also corroborate each other with instruction of withdrawing the money, and avoids wherein somely not seen by payee once in a while, causes payee not know the problem having this to remit money.
3rd embodiment
As shown in Figure 5, the present embodiment, compared with the first or second embodiment, also add mobile network service end 6, for passing through mobile network's transmission of information between payment client 1, gathering client 4, payment service end 2 and gathering service end 3.
And a SSL security gateway 5, as the interface that payment client 1 and gathering client 4 are received and sent messages to mobile network service end 6.The English full name of SSL is Secure Sockets Layer and Secure Socket Layer (SSL), this agreement between ICP/IP protocol and various application layer protocol, for data communication provides safe support.
The method of summary flow process of the present embodiment is identical with the second embodiment.
4th embodiment
As shown in Figure 6, the present embodiment, compared with the 3rd embodiment, also add checking client 7, is installed on the intelligent mobile terminal (such as mobile phone) at payment client 1 place; And a service for checking credentials end 8.Authentication server 8 and checking client 7 bi-directional verification, and generate an one-time password by checking client 7, this one-time password sends the trading password of money transfer request and the key of remittance information transmission as payment client 1 to payment service end 2.Between service for checking credentials end 8 and checking client 7 by SSL security gateway 5 as interface by mobile network service end 6 transmission of information.
Checking client 7 in the present embodiment can realize with the same electronic exchange APP of payment client 1.Service for checking credentials end 8 can be realized by bank's background server.Its authentication server 8 and checking client 7 bi-directional verification, the details generating disposable dynamic password and conversation procedure (process of information transmission of namely remitting money), the application number of our company's application is in 2,014,105,322,143 1 kinds of data processing methods, specifically discloses its technical scheme.The present invention repeats no more.
The corresponding method of summary flow process of the present embodiment as shown in Figure 7.Compare the step of the second embodiment, verification step S0 is added: be installed on the checking client 7 on the intelligent mobile terminal of payer and service for checking credentials end 8 two-way authentication between step S1, and generating an one-time password by checking client 7, one-time password sends the trading password of money transfer request and the key of remittance information transmission as payer to payment gold contact.
Remitter, before opening electronic exchange APP and filling in remittance information, first utilizes authentication server 8 and checking client 7 to generate an one-time password to replace the bank debits password of remitter's reality.Remitter whereby one-time password and reservation code initiates remittance.
For the checking client that electronic exchange APP realizes, in the internal memory of mobile phone, there is not key, but and the unique algorithmic function of double secret key one of answering, crack difficulty large.In each different mobile phone, the algorithmic function of electronic exchange APP is different, even if cracked a client, also can not affect other client.
5th embodiment
As shown in Figure 8, the present embodiment, compared with the 3rd or the 4th embodiment, also add an instruction encryption end 90, of withdrawing the money and to withdraw the money cipher key service end 92, and one withdraws the money instruction decryption end 91.
Instruction of withdrawing the money encryption end 90 is installed on the intelligent mobile terminal at payment client 1 place, for instruction of the identify label encryption generation encryption of instruction gathering client 4 of withdrawing the money being withdrawn the money.Wherein identify label can be the cell-phone number, mailbox number etc. of remittee, below for convenience, for cell-phone number.
Cipher key service of withdrawing the money end 92 is for generating decrypted private key according to identify label and sending decrypted private key to instruction decryption end 91 of withdrawing the money;
Instruction decryption of withdrawing the money end 91 is installed on the intelligent mobile terminal at gathering client 4 place, for obtaining decrypted private key and withdrawing the money instruction with its enabling decryption of encrypted, obtains instruction of withdrawing the money.
Instruction of withdrawing the money encryption end 90, cipher key service of withdrawing the money end 92 and withdrawing the money between instruction decryption end 91 by SSL security gateway 5 as interface by mobile network service end 6 transmission of information.
Instruction of withdrawing the money encryption end 90 can realize with note encryption and decryption APP independent on mobile phone, and this note encryption and decryption APP can have the function of withdraw the money instruction encryption end 90 and instruction decryption end 91 of withdrawing the money concurrently.When the end user of this note encryption and decryption APP is as payer, then to instruction encryption of withdrawing the money, when end user is as payee, then to instruction decryption of withdrawing the money.Cipher key service of withdrawing the money end 92 can realize by by the server aiming at native system framework.
The encryption process of instruction of withdrawing the money encryption end 90, cipher key service of withdrawing the money end 92 and instruction decryption end 91 of withdrawing the money can adopt IBC cryptographic technique to realize.IBC (Identity-BasedCryptograph) is namely based on the cryptographic technique of mark.IBC cryptographic technique uses asymmetric cryptography system, the key that encrypt and decrypt uses two covers different, and everyone PKI is exactly his identify label, such as email address, telephone number etc.Private key is then grasped by user oneself in the form of data, and key management is quite simple, can carry out encryption and decryption very easily to data message.IBC is put into national cryptographic algorithm standard, and its number is SM9
IBC tagged keys management platform (corresponding cipher key service end 92 of withdrawing the money of the present invention) is the centralized management platform based on IBC technology, functions such as being the support platform of whole system security infrastructure, the main completion system initialization of tagged keys management system, master key and PKI parameter generate and preserve, the application of private key for user is audited, generate, download/send, recover, cancel.
The corresponding verification method of the present embodiment as shown in Figure 9.Compare the step of the 4th embodiment, before step S2, also comprise instruction encrypting step: the S20 that withdraws the money the instruction identify label of remittee encryption of withdrawing the money is generated encryption and to withdraw the money instruction.
After step S2, also comprise encryption instruction decryption step: S21 mono-cipher key service 92 of withdrawing the money of withdrawing the money and generate decrypted private key according to the identify label of remittee and be sent on the intelligent mobile terminal of remittee;
S22 obtains decrypted private key and to withdraw the money instruction with its enabling decryption of encrypted, obtains the content of instruction of withdrawing the money.
Be embodied as example with independent APP, remitter opens note encryption and decryption APP software, typing cell-phone number, IBC password login software.The cell-phone number of the remitter at this place and IBC password are only that to log in this APP used, are not the decrypted private key that the present invention uses.At note encryption and decryption APP typing payee cell-phone number (cell-phone number of this payee as the present invention in the example of PKI), remittance content, reservation code, select close mode of sending to send note, this note is instruction of withdrawing the money.Remittance content can comprise money transfer amount, remitter etc.
Payee receives note, opens note encryption and decryption APP software, typing cell-phone number, IBC password login software.Again from authentication center's download decryption private key, private key deciphering short message content.Wherein private key can be protected by pin code, and payee inputs pin code before use private key, so that whether identify is private key possessor.
6th embodiment
The present embodiment and the 3rd, the 4th, compared with the 5th embodiment, also add client validate service end, for verifying the identity of payment client and gathering client.Client validate service end and payment client 1 and collect money between client 4 by SSL security gateway 5 as interface pass through mobile network service 6 end transmission of information.
This client validate service end is used for differentiating whether the electronic exchange APP that payer or payee's mobile phone are installed is pirate APP, prevents security risk.
Claims (10)
1. based on the electronic remittance system of mobile terminal, it is characterized in that, comprise at least one payment client, a gathering client, a payment service end and a gathering service end; Described payment client and gathering client are installed on to be had on the intelligent mobile terminal of network communication function;
Described payment client comprises a remittance information acquisition module, gathers the remittance information comprising a reservation code inputted by described intelligent mobile terminal;
One remittance information transmission modular, is transferred to described payment service end by described remittance information;
One withdraws the money directive generation module, generates the instruction of withdrawing the money that comprises reservation code;
And one withdraws the money instruction sending module, and described instruction of withdrawing the money is sent to described gathering client;
Described payment service end comprises, and a remittance data obtaining module, extracts the described remittance information comprising reservation code that described payment client is sent;
And one remittance transfer module, to send to described gathering service end according to the content in described remittance information and transfer the information of corresponding fund and described reservation code;
Described gathering service end comprises, and a remittance transfers receiver module, receives the information transferring corresponding fund that described payment service end sends and receives described reservation code;
Described gathering client comprises command process module of withdrawing the money, receive described payment client send described in withdraw the money instruction display comprises instruction of withdrawing the money described in described reservation code;
Described gathering service end also comprises a check module, for checking the information at least comprising described reservation code.
2. the electronic remittance system based on mobile terminal according to claim 1, is characterized in that,
Described gathering service end also comprises an advice of collection module, sends advice of collection to described gathering client;
Described gathering client also comprises an exchange notification handler module, receives described advice of collection that described gathering service end sends and shows described advice of collection.
3. the electronic remittance system based on mobile terminal according to claim 1 and 2, it is characterized in that, also comprise a mobile network service end, for passing through mobile network's transmission of information between described payment client, gathering client, payment service end and gathering service end;
And a SSL security gateway, as the interface that described payment client and gathering client are received and sent messages to described mobile network service end.
4. the electronic remittance system based on mobile terminal according to claim 3, is characterized in that, also comprise:
One checking client, is installed on the intelligent mobile terminal at described payment client place,
And a service for checking credentials end, with described checking client bi-directional verification, and generating an one-time password by described checking client, described one-time password sends the trading password of money transfer request and the key of described remittance information transmission as described payment client to described payment service end;
Described mobile network service end transmission of information is passed through by described SSL security gateway as interface between described service for checking credentials end and described checking client.
5. the electronic remittance system based on mobile terminal according to claim 4, is characterized in that, also comprises instruction encryption end, of withdrawing the money and to withdraw the money cipher key service end, and one withdraws the money instruction decryption end;
Described instruction encryption end of withdrawing the money is installed on the intelligent mobile terminal at described payment client place, for instruction of the identify label of described instruction described gathering client of withdrawing the money encryption generation encryption being withdrawn the money;
Described withdraw the money cipher key service end for generate decrypted private key according to described identify label and send described decrypted private key to described in withdraw the money instruction decryption end;
Described instruction decryption end of withdrawing the money is installed on the intelligent mobile terminal at described gathering client place, to withdraw the money instruction for obtaining described decrypted private key and deciphering described encryption with it, instruction of withdrawing the money described in acquisition;
Described instruction encryption end, cipher key service of the withdrawing the money end and to withdraw the money between instruction decryption end by described SSL security gateway as interface by described mobile network service end transmission of information of withdrawing the money.
6. the electronic remittance system based on mobile terminal according to claim 5, is characterized in that, also comprises client validate service end, for verifying the identity of described payment client and gathering client; Described client validate service end and described payment client and to collect money between client by described SSL security gateway as interface by described mobile network service end transmission of information.
7., based on the electronic exchange method of mobile terminal, comprise the steps:
S1 payer comprises the remittance information of reservation code by intelligent mobile terminal input and sends to gold contact of paying the bill;
The instruction of withdrawing the money comprising reservation code is sent to the intelligent mobile terminal of payee by S2 payer by intelligent mobile terminal;
S3 payment gold contact transfers corresponding fund according to described remittance information and sends described reservation code to gold contact of collecting money;
S4 gathering gold contact receives remits money and obtains described reservation code;
S5 payee collects remittance with described reservation code of withdrawing the money in instruction to described gathering gold contact.
8. the electronic exchange method based on mobile terminal according to claim 7, is characterized in that, also comprises gold contact of collecting money described in step S45 and send advice of collection to payee between described step S4 and S5.
9. the electronic exchange method based on mobile terminal according to claim 7 or 8, it is characterized in that, a verification step S0 is also comprised: be installed on the checking client on the intelligent mobile terminal of described payer and a service for checking credentials end two-way authentication before described step S1, and generating an one-time password by described checking client, described one-time password sends the trading password of money transfer request and the key of remittance information transmission as described payer to described payment gold contact.
10. the electronic exchange method based on mobile terminal according to claim 9, is characterized in that, also comprises instruction encrypting step: the S20 that withdraws the money and the described instruction identify label of described remittee encryption of withdrawing the money is generated encryption and to withdraw the money instruction before described step S2;
After described step S2, also comprise encryption instruction decryption step: S21 mono-cipher key service end of withdrawing the money of withdrawing the money and generate decrypted private key according to the identify label of described remittee and be sent on the intelligent mobile terminal of described remittee;
S22 obtains described decrypted private key and deciphers described encryption with it and to withdraw the money the content of instruction, instruction of withdrawing the money described in acquisition.
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| CN201410609066.0A CN104361521B (en) | 2014-11-03 | 2014-11-03 | Electronic remittance system and electronic exchange method based on mobile terminal |
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| CN201410609066.0A CN104361521B (en) | 2014-11-03 | 2014-11-03 | Electronic remittance system and electronic exchange method based on mobile terminal |
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| CN104361521B CN104361521B (en) | 2018-04-06 |
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| CN104361521B (en) | 2018-04-06 |
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