CN106529958A - Method and device for controlling transfer transaction passwords - Google Patents
Method and device for controlling transfer transaction passwords Download PDFInfo
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- CN106529958A CN106529958A CN201610957827.0A CN201610957827A CN106529958A CN 106529958 A CN106529958 A CN 106529958A CN 201610957827 A CN201610957827 A CN 201610957827A CN 106529958 A CN106529958 A CN 106529958A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention provides a method and a device for controlling transfer transaction passwords. The method comprises the steps of judging whether a transfer transaction request sent by a transfer terminal contains the encryption request information or not; on the condition that the transfer transaction request contains the encryption request information, generating the transaction information based on the transfer transaction request, and sending the transaction information to the bank of a transfer payee, wherein the transaction information constrains a transfer password; receiving a transaction request sent by the transfer payee, controlling the password of the transaction according to the transaction request, and enabling the transfer payee to conduct the transaction of a transfer amount based on the transfer password. According to the technical scheme of the invention, the password setting for the transfer transaction is realized, and the password control is conducted. Therefore, the transfer payee can only conduct the transaction of the transfer amount after inputting the transfer password. As a result, the risk of transfer is reduced.
Description
Technical field
The present invention relates to trading password control technology, especially with regard to a kind of money transfer transactions cipher control method and device.
Background technology
With Information technology and the continuous improvement of living standard, and all kinds of net purchases and payment platform emerge in an endless stream, people
It is increasing to the demand of money transfer transactions, be no longer limited to paying in cash face to face, money transfer transactions have become vast majority of people
The part that can not be lacked in life.
Meanwhile, in recent years, as bank client is to accounts information, the inconsiderate congruent factor of personal information protection, lawless person
By phone allow client carry out transferring accounts crime case it is of common occurrence.In view of money transfer transactions possess certain risk in itself, for
Consideration to bank client property safety, needs to be encrypted money transfer transactions protection.How to formulate money transfer transactions encryption to protect
Protect strategy, how to realize money transfer transactions risk control to contain that lawless person's protection client's property has become banking one
Unavoidable problem.
Current banking system, there is no carries out the technology of risk control for money transfer transactions, can after transferring accounts for part
For the client for noting abnormalities in time, money transfer transactions are completed, it is impossible to the control after being transferred accounts, it is no it is any retrieve it is remaining
Ground.
Therefore, money transfer transactions are carried out with flexible automatization's risk control also extremely urgent.
The content of the invention
The present invention provides a kind of money transfer transactions cipher control method and device, so that cipher control is carried out to transfer information, drop
Low risk of transferring accounts.
To achieve these goals, a kind of money transfer transactions cipher control method is embodiments provided, the friendship of transferring accounts
Easily cipher control method includes：
Judgement transfers accounts in holding the money transfer transactions request for sending whether include CIPHERING REQUEST information；
If CIPHERING REQUEST information is included in the money transfer transactions request, transaction letter is generated based on money transfer transactions request
Breath, and the affiliated bank of beneficiary of transferring accounts described in Transaction Information, will be sent to, secret number is included in the Transaction Information；
Transfer accounts described in receiving the transaction request of beneficiary, according to the cipher control that the transaction request is traded, so that
The beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
In one embodiment, before whether including CIPHERING REQUEST information in the money transfer transactions request for judging to transfer accounts end transmission,
Also include：
According to the transaction request, the transaction request that receive user end sends, judges whether this transaction is money transfer transactions.
In one embodiment, the affiliated bank of beneficiary of transferring accounts described in Transaction Information, will be sent to, including：By the Transaction Information
It is overall encrypt after transmit to being sent to the affiliated bank of beneficiary of transferring accounts.
In one embodiment, the affiliated bank of beneficiary of transferring accounts described in Transaction Information, will be sent to, including：By the secret number
Ciphertext is converted to, the Transaction Information comprising the ciphertext is sent to into the affiliated bank of beneficiary of transferring accounts.
In one embodiment, according to the cipher control that the transaction request is traded, including：Transfer accounts beneficiary described in control
Account balance transaction priority orders；The priority orders include：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts are less than or wait
In non-transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
In one embodiment, difference is transferred accounts and holds many money transfer transactions for proceeding to same beneficiary of transferring accounts, according to the friendship
The cipher control being traded easily is asked, is also included：Turn according to the money transfer transactions time control of many money transfer transactions
The transaction priority orders of the account amount of money.
In one embodiment, for same end of transferring accounts proceeds to many money transfer transactions of same beneficiary of transferring accounts, according to the friendship
The cipher control being traded easily is asked, is also included：Turn according to the money transfer transactions time control of many money transfer transactions
The transaction priority orders of the account amount of money.
In one embodiment, according to the cipher control that the transaction request is traded, also include：According to the transaction request
Control to the beneficiary of transferring accounts to send the trading instruction of transfer amounts, the trading instruction indicates that the beneficiary of transferring accounts divides many
Secondary amount carries out the transactional operation of the transfer amounts, wherein, operate for the ATM in transactional operation withdraws the money, the amount
Accumulative total amount is less than the integral multiple that withdrawal least unit is allowed apart from the nearest ATM of the transfer amounts.
In one embodiment, the money transfer transactions cipher control method also includes：Turn according to the side's of transferring accounts transfer information judges
Whether account transaction request meets encryption is transferred accounts condition.
To achieve these goals, the embodiment of the present invention additionally provides a kind of money transfer transactions crypto control unit, and this is transferred accounts
Trading password control device includes：
Whether encryption judging unit, hold for judging to transfer accounts in the money transfer transactions for sending request comprising CIPHERING REQUEST information；
Transaction Information signal generating unit, for generating Transaction Information based on money transfer transactions request, and by Transaction Information institute
State and be sent to the affiliated bank of beneficiary of transferring accounts, in the Transaction Information, include secret number；
Cryptographic control unit, for receiving the transaction request of the beneficiary of transferring accounts, is handed over according to the transaction request
Easy cipher control, so that the beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
In one embodiment, the money transfer transactions crypto control unit also includes：
Transfer accounts judging unit, for the transaction request that receive user end sends, this friendship is judged according to the transaction request
Whether it is easily money transfer transactions.
In one embodiment, the Transaction Information signal generating unit specifically for the Transaction Information is integrally encrypted after transmit to
It is sent to the affiliated bank of beneficiary of transferring accounts.
In one embodiment, the Transaction Information signal generating unit, will bag specifically for the secret number is converted to ciphertext
Transaction Information containing the ciphertext is sent to the affiliated bank of beneficiary of transferring accounts.
In one embodiment, the cryptographic control unit includes：Priority control module, for controlling the beneficiary of transferring accounts
Account balance transaction priority orders；The priority orders include：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts are less than or wait
In non-transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
In one embodiment, difference is transferred accounts and holds many money transfer transactions for proceeding to same beneficiary of transferring accounts, the priority
Control module specifically for：According to the money transfer transactions time control of many money transfer transactions, the transaction of transfer amounts is preferential
Level order.
In one embodiment, for same end of transferring accounts proceeds to many money transfer transactions of same beneficiary of transferring accounts, the priority
Control module specifically for：According to the money transfer transactions time control of many money transfer transactions, the transaction of transfer amounts is preferential
Level order.
In one embodiment, the cryptographic control unit includes：Instruction sending module, for being controlled according to the transaction request
Send the trading instruction of transfer amounts to the beneficiary of transferring accounts, the trading instruction indicate described in transfer accounts beneficiary volume several times
Degree carries out the transactional operation of the transfer amounts, wherein, for the ATM in transactional operation withdraws the money operation, the amount it is accumulative
Total amount is less than the integral multiple that withdrawal least unit is allowed apart from the nearest ATM of the transfer amounts.
In one embodiment, the money transfer transactions crypto control unit also includes：Encryption condition judgment unit, transfers accounts for basis
Square transfer information judges whether money transfer transactions request meets encryption and transfer accounts condition.
Using the present invention, money transfer transactions can be carried out with password setting, and carry out cipher control, the beneficiary that makes to transfer accounts passes through
Input secret number can just carry out the transaction of transfer amounts, reduce risk of transferring accounts.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
Accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Money transfer transactions cipher control method flow charts of the Fig. 1 for the embodiment of the present invention；
Structural representations of the Fig. 2 for the money transfer transactions crypto control unit of one embodiment of the invention；
Structural representations of the Fig. 3 for the money transfer transactions crypto control unit of another embodiment of the present invention；
Structural representations of the Fig. 4 for the money transfer transactions crypto control unit of further embodiment of this invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Money transfer transactions cipher control method flow charts of the Fig. 1 for the embodiment of the present invention, as shown in figure 1, the money transfer transactions are close
Code control method includes：
S101：Judgement transfers accounts in holding the money transfer transactions request for sending whether include CIPHERING REQUEST information；
S102：If CIPHERING REQUEST information is included in the money transfer transactions request, generated based on money transfer transactions request and handed over
Easy information, and the affiliated bank of beneficiary of transferring accounts described in Transaction Information, will be sent to, secret number is included in the Transaction Information；
S103：Transfer accounts described in receiving the transaction request of beneficiary, according to the cipher control that the transaction request is traded,
So that the beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
Knowable to flow process as shown in Figure 1, the money transfer transactions to needing encryption, the present invention are generated to include according to transaction request and are turned
The Transaction Information of account password is simultaneously sent to the affiliated bank of beneficiary of transferring accounts, the transaction request of the beneficiary that is then based on transferring accounts, according to
The cipher control that transaction request is traded.Using the present invention, money transfer transactions can be carried out with password setting, and carry out password control
System, the beneficiary that makes to transfer accounts can just carry out the transaction of transfer amounts by being input into secret number, reduce risk of transferring accounts.
In one embodiment, before whether including CIPHERING REQUEST information in the money transfer transactions request for judging to transfer accounts end transmission,
Can the transaction request that sends of first receive user end, judge whether this transaction is money transfer transactions according to the transaction request.Such as
Really this transaction is money transfer transactions, then whether judgement includes CIPHERING REQUEST information, example in transferring accounts and holding the money transfer transactions request for sending
As money transfer transactions request includes secret number, it is believed that include CIPHERING REQUEST information in money transfer transactions request.It is embodied as
When, for a transaction, the present embodiment first determines whether whether the transaction is money transfer transactions, if the transaction is friendship of transferring accounts
Easily, then judge whether the transaction is related to encryption, if being not related to encryption, carry out original money transfer transactions operation.For the pen
It is not the situation of money transfer transactions to conclude the business, and the subsequent operation being traded is not belonging to the scope of protection of the invention, repeats no more.
The Transaction Information for being sent to the affiliated bank of beneficiary of transferring accounts includes transaction related information and secret number, and transaction is related
Information includes the process of transfer amounts, account of transferring accounts, receipt on account account, receiver information etc., transaction related information and secret number
Mode includes many kinds, and such as Transaction Information is integrally encrypted, in the present embodiment, can by the Transaction Information of overall encryption transmit to
It is sent to the affiliated bank of beneficiary of transferring accounts.In another embodiment, transaction related information with the processing mode of secret number is, by institute
State secret number and be converted to ciphertext, in the present embodiment, the Transaction Information comprising the ciphertext can be sent to the beneficiary institute that transfers accounts
Category bank.
In one embodiment, according to the cipher control that the transaction request is traded, the beneficiary of transferring accounts can be controlled
Account balance transaction priority orders, to control to transfer accounts beneficiary according to priority orders, entered by being input into secret number
Row transactional operation, including withdraw the money operation, delivery operation, other transfer operations etc..
In one embodiment, the priority orders include：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts are less than or wait
In non-transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
Difference is transferred accounts and holds many money transfer transactions for proceeding to same beneficiary of transferring accounts, in an embodiment, control receipts of transferring accounts
When money root is according to priority orders, can according to the money transfer transactions time control of many money transfer transactions transfer amounts
Transaction priority orders.For example, can control the time of transferring accounts preceding transfer amounts first carries out the operation such as withdraw the money.
For same end of transferring accounts proceeds to many money transfer transactions of same beneficiary of transferring accounts, in an embodiment, according to the friendship
When easily asking the cipher control being traded, can transfer accounts according to the money transfer transactions time control of many money transfer transactions
The transaction priority orders of the amount of money.For example, can control the time of transferring accounts preceding transfer amounts first carries out the operation such as withdraw the money.
In one embodiment, during the cipher control being traded according to the transaction request, can be according to the transaction request
Control to the beneficiary of transferring accounts to send the trading instruction of transfer amounts, the trading instruction indicate described in beneficiary of transferring accounts pass through
Amount carries out the transactional operation of the transfer amounts to trading password several times.Wherein, grasp for the ATM in transactional operation withdraws the money
Make, the accumulative total amount of the amount is less than the integer that withdrawal least unit is allowed apart from the nearest ATM of the transfer amounts
Times.For example, as ATM supports the operation of hundred yuan of integral multiples, when the direction receipt on account side that transfers accounts proceeds to 460 yuan, take out not with password
Can exceed that 500 yuan；When the direction receipt on account side that transfers accounts proceeds to 440 yuan, take out no more than 400 yuan with password；When direction receipts of transferring accounts
When account side proceeds to 450 yuan, take out no more than 400 yuan or 500 yuan with password.
For some special transfer transactions, bank backstage can limit whether which can be encrypted account transfer, such as volume
Degree is relatively low, generation pays out wages or has frequently transferred accounts between multiple account etc.；When being embodied as, can be sentenced according to the side's of transferring accounts transfer information
Whether the request of disconnected money transfer transactions meets encryption is transferred accounts condition, and, generation relatively low for amount pays out wages or multiple account of frequently having transferred accounts
Between wait transaction, it can be determined that go out which and do not meet encryption to transfer accounts condition.
In one embodiment, for some specific money transfer transactions, the exception such as password loss can such as occur, can select volume
Degree freezes or transfer accounts the process such as to return；For the transaction having occurred and that, after producing account client discovery account transfer exception, phase can be passed through
Close channel application amount to freeze or transfer accounts to return.
Using the present invention, money transfer transactions can be carried out with password setting, and carry out cipher control, the beneficiary that makes to transfer accounts passes through
Input secret number can just carry out the transaction of transfer amounts, reduce risk of transferring accounts, improve the safety transferred accounts；Consider many
Individual dimension, realizes the flexible control of transfer transaction data；Relevant information can pass through parameter setting, during system maintenance such as
Need to change only needs adjusting parameter, develops without the need for version, reduces maintenance cost.
Based on conceiving with the money transfer transactions cipher control method identical application shown in Fig. 1, the embodiment of the present application is also provided
A kind of money transfer transactions crypto control unit, as described in example below.Due to the money transfer transactions crypto control unit solve problem
Principle it is similar to money transfer transactions cipher control method, therefore the enforcement of the money transfer transactions crypto control unit may refer to transfer accounts
The enforcement of trading password control method, repeats part and repeats no more.
Structural representations of the Fig. 2 for the money transfer transactions crypto control unit of the embodiment of the present invention, as shown in Fig. 2 this is transferred accounts
Trading password control device includes：Encryption judging unit 201, Transaction Information signal generating unit 202 and cryptographic control unit 203.
For judging to transfer accounts, encryption judging unit 201 holds whether the money transfer transactions for sending are believed comprising CIPHERING REQUEST in asking
Breath；
Transaction Information signal generating unit 202 is used to generate Transaction Information based on money transfer transactions request, and by Transaction Information
It is described to be sent to the affiliated bank of beneficiary of transferring accounts, secret number is included in the Transaction Information；
Cryptographic control unit 203 is used for the transaction request for receiving the beneficiary of transferring accounts, and is carried out according to the transaction request
The cipher control of transaction, so that the beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
In one embodiment, as shown in figure 3, the money transfer transactions crypto control unit also includes：
Transfer accounts judging unit 204, for the transaction request that receive user end sends, this is judged according to the transaction request
Whether transaction is money transfer transactions.
In one embodiment, the Transaction Information signal generating unit 202 specifically for the Transaction Information is integrally encrypted after pass
Transport to and be sent to the affiliated bank of beneficiary of transferring accounts.
In one embodiment, the Transaction Information signal generating unit 202, will specifically for the secret number is converted to ciphertext
Transaction Information comprising the ciphertext is sent to the affiliated bank of beneficiary of transferring accounts.
In one embodiment, the cryptographic control unit 203 includes：Priority control module, for controlling the receipts of transferring accounts
The transaction priority orders of the account balance of money side；The priority orders include：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts are less than or wait
In non-transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
In one embodiment, difference is transferred accounts and holds many money transfer transactions for proceeding to same beneficiary of transferring accounts, the priority
Control module specifically for：According to the money transfer transactions time control of many money transfer transactions, the transaction of transfer amounts is preferential
Level order.
In one embodiment, for same end of transferring accounts proceeds to many money transfer transactions of same beneficiary of transferring accounts, the priority
Control module specifically for：According to the money transfer transactions time control of many money transfer transactions, the transaction of transfer amounts is preferential
Level order.
In one embodiment, the cryptographic control unit 203 includes：Instruction sending module, for according to the transaction request
Control to the beneficiary of transferring accounts to send the trading instruction of transfer amounts, the trading instruction indicates that the beneficiary of transferring accounts divides many
Secondary amount carries out the transactional operation of the transfer amounts, wherein, operate for the ATM in transactional operation withdraws the money, the amount
Accumulative total amount is less than the integral multiple that withdrawal least unit is allowed apart from the nearest ATM of the transfer amounts.
In one embodiment, as shown in figure 4, the money transfer transactions crypto control unit also includes：Encryption condition judgment unit
205, for judging that the money transfer transactions are asked whether to meet encryption and transferred accounts condition according to the side of transferring accounts transfer information.
Using the present invention, money transfer transactions can be carried out with password setting, and carry out cipher control, the beneficiary that makes to transfer accounts passes through
Input secret number can just carry out the transaction of transfer amounts, reduce risk of transferring accounts, improve the safety transferred accounts；Consider many
Individual dimension, realizes the flexible control of transfer transaction data；Relevant information can pass through parameter setting, during system maintenance such as
Need to change only needs adjusting parameter, develops without the need for version, reduces maintenance cost.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can adopt complete hardware embodiment, complete software embodiment or with reference to the reality in terms of software and hardware
Apply the form of example.And, the present invention can be using the computer for wherein including computer usable program code at one or more
The computer program implemented in usable storage medium (including but not limited to disk memory, CD-ROM, optical memory etc.) is produced
The form of product.
The present invention be with reference to method according to embodiments of the present invention, equipment (system), and computer program flow process
Figure and/or block diagram are describing.It should be understood that can be by computer program instructions flowchart and/or each stream in block diagram
The combination of journey and/or square frame and flow chart and/or flow process and/or square frame in block diagram.These computer programs can be provided
The processor of general purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of specifying in present one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in and can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory is produced to be included referring to
Make the manufacture of device, the command device realize in one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or
The function of specifying in multiple square frames.
These computer program instructions can be also loaded in computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented process, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow process of flow chart or multiple flow processs and/or block diagram one
The step of function of specifying in individual square frame or multiple square frames.
Apply specific embodiment to be set forth the principle and embodiment of the present invention in the present invention, above example
Explanation be only intended to help and understand the method for the present invention and its core concept；Simultaneously for one of ordinary skill in the art,
According to the thought of the present invention, will change in specific embodiments and applications, in sum, in this specification
Appearance should not be construed as limiting the invention.
Claims (18)
1. a kind of money transfer transactions cipher control method, it is characterised in that include：
Judgement transfers accounts in holding the money transfer transactions request for sending whether include CIPHERING REQUEST information；
If CIPHERING REQUEST information is included in the money transfer transactions request, Transaction Information is generated based on money transfer transactions request, and
The affiliated bank of beneficiary of transferring accounts will be sent to described in Transaction Information, secret number in the Transaction Information, is included；
Transfer accounts described in receiving the transaction request of beneficiary, according to the cipher control that the transaction request is traded, so that described
Beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
2. money transfer transactions cipher control method according to claim 1, it is characterised in that in turning that the end that judges to transfer accounts sends
Whether comprising before CIPHERING REQUEST information in account transaction request, also include：
According to the transaction request, the transaction request that receive user end sends, judges whether this transaction is money transfer transactions.
3. money transfer transactions cipher control method according to claim 1, it is characterised in that will be sent to described in Transaction Information
The affiliated bank of beneficiary of transferring accounts, including：Transmit after the Transaction Information is integrally encrypted to being sent to silver of transferring accounts belonging to beneficiary
OK.
4. money transfer transactions cipher control method according to claim 1, it is characterised in that will be sent to described in Transaction Information
The affiliated bank of beneficiary of transferring accounts, including：The secret number is converted to into ciphertext, the Transaction Information comprising the ciphertext is sent to
The affiliated bank of beneficiary of transferring accounts.
5. money transfer transactions cipher control method according to claim 1, it is characterised in that carried out according to the transaction request
The cipher control of transaction, including：Control described in transfer accounts beneficiary account balance transaction priority orders；The priority is suitable
Sequence includes：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts is less than or equal to non-
Transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
6. money transfer transactions cipher control method according to claim 1 or 5, it is characterised in that for difference end of transferring accounts turns
Enter many money transfer transactions of same beneficiary of transferring accounts, according to the cipher control that the transaction request is traded, also include：According to
The transaction priority orders of transfer amounts described in the money transfer transactions time control of many money transfer transactions.
7. money transfer transactions cipher control method according to claim 1 or 5, it is characterised in that for same end of transferring accounts turns
Enter many money transfer transactions of same beneficiary of transferring accounts, according to the cipher control that the transaction request is traded, also include：According to
The transaction priority orders of transfer amounts described in the money transfer transactions time control of many money transfer transactions.
8. money transfer transactions cipher control method according to claim 5, it is characterised in that carried out according to the transaction request
The cipher control of transaction, also includes：Controlled to the beneficiary of transferring accounts to send the transaction of transfer amounts according to the transaction request
Instruction, the trading instruction indicate described in transfer accounts that amount carries out the friendship of the transfer amounts to beneficiary several times by trading password
It is easy to operate, wherein, operating for the ATM in transactional operation withdraws the money, the accumulative total amount of the amount is less than apart from described turn
The nearest ATM of the account amount of money allows the integral multiple of withdrawal least unit.
9. money transfer transactions cipher control method according to claim 5, it is characterised in that also include：Turned according to the side of transferring accounts
Account information judges whether money transfer transactions request meets encryption and transfer accounts condition.
10. a kind of money transfer transactions crypto control unit, it is characterised in that include：
Whether encryption judging unit, hold for judging to transfer accounts in the money transfer transactions for sending request comprising CIPHERING REQUEST information；
Transaction Information signal generating unit, for generating Transaction Information based on money transfer transactions request, and will send out described in Transaction Information
Give beneficiary of transferring accounts affiliated bank, in the Transaction Information, include secret number；
Cryptographic control unit, for receiving the transaction request of the beneficiary of transferring accounts, is traded according to the transaction request
Cipher control, so that the beneficiary of transferring accounts carries out the transaction of transfer amounts by the secret number.
11. money transfer transactions crypto control units according to claim 10, it is characterised in that also include：
Transfer accounts judging unit, for the transaction request that receive user end sends, judge that this transaction is according to the transaction request
It is no for money transfer transactions.
12. money transfer transactions crypto control units according to claim 10, it is characterised in that the Transaction Information generates single
Unit specifically for the Transaction Information is integrally encrypted after transmit to being sent to the affiliated bank of beneficiary of transferring accounts.
13. money transfer transactions crypto control units according to claim 10, it is characterised in that the Transaction Information generates single
Transaction Information comprising the ciphertext is sent to and is transferred accounts belonging to beneficiary specifically for the secret number is converted to ciphertext by unit
Bank.
14. money transfer transactions crypto control units according to claim 10, it is characterised in that the cryptographic control unit bag
Include：Priority control module, for controlling the transaction priority orders of the account balance of the beneficiary of transferring accounts；The priority
Order includes：
Transaction priority of the priority of transfer amounts higher than non-transfer amounts；Or
Transaction priority of the priority of non-transfer amounts higher than transfer amounts, the turnover of non-transfer amounts is less than or equal to non-
Transfer amounts；
Wherein, the account balance includes transfer amounts and non-transfer amounts.
15. money transfer transactions crypto control units according to claim 14, it is characterised in that for difference end of transferring accounts proceeds to
Many money transfer transactions of same beneficiary of transferring accounts, the priority control module specifically for：According to many money transfer transactions
Money transfer transactions time control described in transfer amounts transaction priority orders.
16. money transfer transactions crypto control units according to claim 14, it is characterised in that for same end of transferring accounts proceeds to
Many money transfer transactions of same beneficiary of transferring accounts, the priority control module specifically for：According to many money transfer transactions
Money transfer transactions time control described in transfer amounts transaction priority orders.
17. money transfer transactions crypto control units according to claim 14, it is characterised in that the cryptographic control unit bag
Include：Instruction sending module, refers to for controlling the transaction for sending transfer amounts to the beneficiary of transferring accounts according to the transaction request
Order, the trading instruction indicate described in transfer accounts that amount carries out the transactional operation of the transfer amounts to beneficiary several times, wherein, it is right
ATM in transactional operation withdraws the money and operates, and the accumulative total amount of the amount is less than apart from the nearest ATM of the transfer amounts
Allow the integral multiple of withdrawal least unit.
18. money transfer transactions crypto control units according to claim 14, it is characterised in that also include：Encryption condition is sentenced
Disconnected unit, for judging that the money transfer transactions are asked whether to meet encryption and transferred accounts condition according to the side of transferring accounts transfer information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610957827.0A CN106529958A (en) | 2016-10-27 | 2016-10-27 | Method and device for controlling transfer transaction passwords |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610957827.0A CN106529958A (en) | 2016-10-27 | 2016-10-27 | Method and device for controlling transfer transaction passwords |
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| Publication Number | Publication Date |
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| CN106529958A true CN106529958A (en) | 2017-03-22 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610957827.0A Pending CN106529958A (en) | 2016-10-27 | 2016-10-27 | Method and device for controlling transfer transaction passwords |
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| CN (1) | CN106529958A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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Application publication date: 20170322 |