CN1296362A - Method for ensuring safety money payment by internet combined with hand set sound and relative system - Google Patents
Method for ensuring safety money payment by internet combined with hand set sound and relative system Download PDFInfo
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- CN1296362A CN1296362A CN 99123881 CN99123881A CN1296362A CN 1296362 A CN1296362 A CN 1296362A CN 99123881 CN99123881 CN 99123881 CN 99123881 A CN99123881 A CN 99123881A CN 1296362 A CN1296362 A CN 1296362A
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Abstract
The present invention relates to a method for safe payment by transfer of accounts on interconnection network and its system. Said system consists of bank computer system, mobile communication station and handset. After the operator enters into bank computer system on interconnection network, in addition to input of original fixed cipher code the bank also can produce random dynamic cipher code from its random cipher device, and said dynamic cipher can be transferred into operator's handset through mobile communication station, and red out, and said dynamic cipher must be inputted by operator within given time so as to ensure safe transfer of accounts of operator, i.e. handset owner. This dynamic/cipher can be called "Tian code", and original cipher is called "Xin code", the adoption of said two codes can ensure safety of payment by transfer of accounts.
Description
The present invention relates to the internet communication field, particularly add safety method and corresponding system that mobile communication platform and mobile phone ensure the debt payment by the transfer of accounts on the internet.
At present, the Internet is more and more flourishing, shopping online, online auction, Internet Protocol telephone, handle debt contact or the like by the Internet and bank, wherein, the safety problem of debt payment by the transfer of accounts is an insoluble problem always, present method is, everyone has the password of oneself, and webpage is opened in online, conclude the business, pay the bill then etc., all utilize a password, in case password is lost leakage, just may cause the loss of operator's debt, particularly by the Internet, carry out wholesale or during through bank from network than the debt payment of wholesale, the method for a safety and corresponding safety system are needs very.
Therefore, purpose of the present invention is to invent a kind of safety method and corresponding telecommunication system when carrying out the debt contact from network by the Internet.
Solution of the present invention is, adopt find corresponding bank computer system on the internet after, produce dynamic password by the bank computer system, pass to the mobile communication platform by the telecommunication mode, and pass to operator's mobile phone by the mobile communication platform, mobile phone is read password, is imported the method and system of verifying and confirming with the bank computer system again by the operator, owing to be the dynamic password that produces at random, so fail safe has great guarantee.
This specification includes following accompanying drawing:
Fig. 1 adds the flow chart that hand set sound ensures the safety method of debt payment by the transfer of accounts on the Internet of the present invention.
Fig. 2 is an embodiment key diagram that adds the random number code device of the random fashion Q in the safety method that hand set sound ensures the debt payment by the transfer of accounts on the Internet of the present invention.
Fig. 3 is the safety system key diagram of the safety method of debt payment by the transfer of accounts on the Internet of the present invention.
Below in conjunction with accompanying drawing the present invention is described in further detail.
Consult Fig. 1, Fig. 1 adds the flow chart that cell phone system ensures the safety method of debt payment by the transfer of accounts on the Internet of the present invention.Step among the figure is with 101,102 ... Deng expression, during beginning, carry out step 101, the operator will one terminal find corresponding bank from the Internet, input name, number of the account, and bank gives operator's password K, this password K just gives the user's of each ATM card password as bank, for example be password of 6 bit digital and so on.Whether carry out step 102 after the input, promptly bank computer system (1) checks, and name, number of the account, the password of being inputed checked by bank computer system (1), consistent, if inconsistent, carry out step 103, asks the operator to re-enter, and program step is returned step 101.In step 102, bank checks operator's name of input, number of the account, when password is consistent, program enters step 104, the bank computer system utilizes intrasystem device, with the selected dynamic password A of certain mode Q at random, it for example is one 8 numeral, or 10 numeral and so on, even can be English alphabet and the digital dynamic password A that constitutes that mixes, for example be AX025CK9,8637252316, or the like, bank computer system (1) according to mobile communication platform (2) that the operator registered on the books with this dynamic password A, adopt wired or wireless telecommunication transmission means to broadcast away through this mobile communication platform, make operator's mobile phone (3) ring machine, and read this dynamic password A from mobile phone (3), the purpose of this step, identity in order to ensure the operator, promptly, it in the bank his name, the signal that his name of correspondence sends in the mobile communication platform should be received by the himself, in the method, the operator must be everyone and the holder of this mobile phone (3), and routinely, mobile phone (3) can be that the holder uses by real registrant individual only, like this, if other people steal this operator's of cicada bank cipher K, to the drawings such as ATM (automatic teller machine) of bank, owing to this mobile phone not can not be imported dynamic password A and cannot succeed.
Afterwards, carry out step 105, that is, the operator is that mobile phone (3) holder will be in the time of predesignating, and for example in 20 seconds, will import from the dynamic password A that read mobile phone (3) into the bank computer system (1) again.Step 106, bank computer system (1) verifies the password of operator's input, and the password of checking operator's input is dynamic password A, if not, program is turned back to 103, requires the operator to re-enter, because bank computer system (1) can formulate operator's status incongruence.If verifying the password of operator's input is dynamic password A, carry out step 107, import debt contact content the operator, the operator promptly carry out step 108.For example transfer accounts, pay * * company how much and so on debt payment.Especially utilize the Internet shopping more and more, online transaction is more and more, utilizes the internet payment behavior such as transfer accounts also can be more and more general.The input finish after by the end of input key, completing steps 108.
Afterwards, carry out step 109, bank computer system (1) utilizes random fashion Q to select another dynamic password B again, still through mobile communication platform (2) dynamic password B is sent by aforementioned telecommunication mode, pass to mobile phone (3) holder, at this moment, the holder still should be the operator, mobile phone (3) by him receives and reads dynamic password B
Afterwards, carry out step 110, the operator will add dynamic password B to the input password K of bank computer system again, reaffirms for bank computer system (1).This is bank's reaffirming when operations such as execution debt transfer payment, is in order to be perfectly safe and to insure.Password K add dynamic password B may reach ten surplus a numeral or character, its correct input can be guaranteed operator's interests.The speed that mobile phone is read dynamic password at every turn all is controlled at clear and slower speed, also can repeat once or twice, and the operator can clearly be heard.
Afterwards, carry out step 111, bank computer system (1) is checked the password of operator's input again, if input is not right, program returns 103, re-enter by the operator, if password is all correct, carry out step 112, promptly, the debt payment by the transfer of accounts that bank computer system (1) indicates the operator etc. is handled, mainly be paying dues of shopping online and so on, transfer accounts on the internet that the bank computer system is transferred to mobile communication platform (2) with transaction content with code form after handling immediately again transferring accounts etc., immediately broadcast out by mobile communication platform (2)
Carry out step 113, operator's mobile phone rings machine and also reads transaction content, for example changes 1800 yuan of RMB to Beijing department store, directly reads " Li Ping goes in Beijing department store account ".Content also can exist among the mobile phone storage.
Step finishes.
Want the different password of input in this operating procedure three times, and dynamic password A, B produce at random, can not predict in advance, and mobile phone haves in one's pocket operator oneself, like this, even original bank is known crime by other people for operator's password K because of carelessness steathily, owing to can't obtain operator's mobile phone and dynamic password temporarily, just can not under the table recklessly spend other people money from the Internet, making the operator also is that advocate peace holder's interests of the machine of mobile phone are well ensured.
In the method for the present invention, originally the password K that gives of bank will bear in mind, can be called heart sign indicating number, bank computer system (1) is to get off in mobile phone from " sky " through wireless mode with dynamic password A, the B etc. that random fashion Q produces, and can be called a day sign indicating number, and method of the present invention can be described as four word rhymed formula and is, it sign indicating number line space, heart sign indicating number is gone into the hole, dynamic encryption, safety first.
The random fashion Q that above-mentioned dynamic password A, B etc. produce can design voluntarily according to material and facility situation separately.Fig. 2 provides an embodiment.
Consult Fig. 2, Fig. 2 is an embodiment who adopts the random number code device of random fashion Q, and it is included in the bank computer system.Random number code device shown in Figure 2 adopts scanning falling sphere mode, produces random dynamic puzzle AB or the like.Device includes digital ball case (4) among the figure, blower fan (5), scanner (6), wherein, in the digital ball case (4) 40 balls are housed, each ball is marked with a numeral, it is a numeral in 0 to 9, it is 0 that 4 balls are arranged, 4 balls are 1,4 balls are 9, the ball case is wide at the top and narrow at the bottom, have the following lattice that 8 clubs fall into ball case (4) simultaneously, digital scan on 8 balls in the following lattice is come out by ball order from left to right by scanner (6), and pass to paging centers through transmission line to the telecommunication device of appointment and broadcast, blower fan (5) utilizes its pipeline that ventilating opening is connected to the bottom of the following lattice of digital ball case (4), is to have at the bottom of the netted lattice of through hole at the bottom of the following lattice, the wind of blower fan (5) can upwards blow afloat ball suddenly and stir, for example, whenever blew for 10 seconds, stopped 50 seconds, concede points and after stirring, fall into following lattice, scanner (6) a period of time after each the air blowing for example scanned for 5 seconds after 30 seconds, drew a dynamic password, used for the online operator of Fig. 1 in described this minute, that use this dynamic password simultaneously can be interior many people of this period, and this does not hinder the confidentiality and the randomness of this dynamic password.Scanner (6) can be that optoelectronic scanning or camera-scanning mode are come out the digital scan on the ball, can a plurality of of same numeral on the ball, a plurality of same numerals are uniform at sphere, and ball falls into lattice along which direction and all the numeral on it can be exposed and be scanned.Numeral on the ball on the scanner timing scan assigned address, and Digital Transmission to specified device.
Consult Fig. 3, Fig. 3 adds the safety system that hand set sound ensures the debt payment on the Internet of the present invention, described system includes bank computer system (1), and mobile communication platform (2) and mobile phone (3), the mobile phone here (3) must be the operator's and the mobile phone carried by me.The operator can utilize arbitrary online computing to connect the door of bank computer system (1), carry out the step operation described in Fig. 1, import heart sign indicating number, also to import the sky sign indicating number that produces and broadcast and receive by operator's mobile phone through mobile communication platform (2) by bank computer system (1), be random dynamic puzzle A, B and so on, under this system and the described method of Fig. 1, finish online payment, the behavior such as transfer accounts of the debt of finishing the safety on the Internet.Owing to dynamic password is to read not have to show, more increased the safety guarantee of system
In sum, the feature of the safety method of debt payment by the transfer of accounts is on the Internet of the present invention, adopts following step successively:
Step 111, the bank computer system verifies the password of input, and as incorrect, if program flow returns step 103 correct, carry out step 112,
The method and system of the invention described above singly is not applicable to bank, is applicable to the capable computer system of stock broker yet, market, shop computer system, the stock market is very big market on the Internet, and the debt payment is very frequent, number even very huge, fail safe is extremely important, and the market, shop also is like this.
Enforcement of the present invention will make the payment by the transfer of accounts on the Internet become very safe.
Claims (8)
1, the safety method of debt payment by the transfer of accounts on a kind of the Internet utilizes the system that includes bank computer system and mobile communication platform and mobile phone, it is characterized in that, described method adopts following step successively,
Step 101, the operator finds corresponding bank from the Internet, and input name, number of the account and bank give operator's password K,
Step 102, the bank computer system verifies the content of being imported, and as inconsistent, program enters step 103, and as unanimity, program enters step 104,
Step 103, bank computer system show, ask the operator to re-enter, and are back to step 101,
Step 104, the bank computer system selectes a dynamic password A with random fashion Q, and transfers to the mobile communication platform that the operator is registered in the telecommunication mode, is broadcast immediately by this mobile communication platform, makes operator's mobile phone read this dynamic password A,
Step 105, the operator will import dynamic password A into bank computer system in the given time again,
Step 106, bank computer system verify whether input is correct, and as incorrect, program is back to step 103, if correct, carry out steps 107,
Step 107, the bank computer system imports debt payment by the transfer of accounts content to operator's display requirement operator,
Step 108, the operator imports debt payment by the transfer of accounts content, and input finishes and represents that by assignment key input finishes,
Step 109, bank computer system utilize random fashion Q to select another dynamic password B again, still use the telecommunication mode, through the mobile communication platform, make operator's mobile phone read this dynamic password B,
Step 110, the operator adds dynamic password B to bank computer system input password K again, so that the payment by the transfer of accounts content is confirmed,
Step 111, the bank computer system verifies the password of input, and as incorrect, if program flow returns step 103 correct, carry out step 112,
Step 112, the bank computer system carries out payment by the transfer of accounts by operator's indication, handles the back and broadcasts through the mobile communication platform in the telecommunication mode with being about to handle content, passes to operator's mobile phone,
Step 113, operator's mobile phone rings machine, and the content of reading payment by the transfer of accounts on mobile phone.
2, the safety method of debt payment by the transfer of accounts on the Internet as claimed in claim 1 is characterized in that, dynamic password A, B can be that numeral is formed, and can be to form numeral and alphabetical the mixing.
3, the safety method of debt payment by the transfer of accounts on the Internet as claimed in claim 1 or 2 is characterized in that, dynamic password A, B can be made up of 8 bit digital, can be mixed by 8 bit digital and letter and form.
4, the safety method of debt payment by the transfer of accounts on the Internet as claimed in claim 1 is characterized in that, step 112 113 in, be transferred to mobile phone and the content of the payment by the transfer of accounts on mobile phone, read.
5, the safety system of debt payment by the transfer of accounts on a kind of the Internet, include bank computer system (1), it is characterized in that, also include the mobile phone (3) that is correlated on mobile communication platform (2) and the mobile communication platform (2), described bank computer system (1) adopts the telecommunication mode to be connected with mobile communication platform (2), and makes operator's mobile phone (3) reading step condition information by mobile communication platform (2).
6, the safety system of debt payment by the transfer of accounts on the Internet as claimed in claim 5 is characterized in that, includes the random number code device that produces dynamic password with random fashion Q in its bank computer system (1).
7, the random number code device in the safety system of debt payment by the transfer of accounts on the Internet as claimed in claim 6, it is characterized in that, it includes the digital ball case (4) that 40 balls are housed, ventilating opening is located at numeral on the blower fan (5) of ball case bottom and the ball on the timing scan assigned address, and Digital Transmission is arrived the scanner (6) of specified device.
8, the safety system of debt payment by the transfer of accounts on the Internet as claimed in claim 5 is characterized in that, its bank computer system (1) also can be the capable computer system of stock broker, market, shop computer system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 99123881 CN1296362A (en) | 1999-11-16 | 1999-11-16 | Method for ensuring safety money payment by internet combined with hand set sound and relative system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 99123881 CN1296362A (en) | 1999-11-16 | 1999-11-16 | Method for ensuring safety money payment by internet combined with hand set sound and relative system |
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| Publication Number | Publication Date |
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| CN1296362A true CN1296362A (en) | 2001-05-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 99123881 Pending CN1296362A (en) | 1999-11-16 | 1999-11-16 | Method for ensuring safety money payment by internet combined with hand set sound and relative system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2006021144A1 (en) * | 2004-08-25 | 2006-03-02 | Xing Zhou | A system that realizes fund transfer by mobile telephone short message confirming mode and method thereof |
| US7379920B2 (en) | 2001-12-04 | 2008-05-27 | Gary Leung | System and method for facilitating electronic financial transactions using a mobile telecommunication device |
| CN102143163A (en) * | 2010-08-30 | 2011-08-03 | 庞己人 | System and method for verifying by entering cipher code after putting through and hearing cipher code |
-
1999
- 1999-11-16 CN CN 99123881 patent/CN1296362A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7379920B2 (en) | 2001-12-04 | 2008-05-27 | Gary Leung | System and method for facilitating electronic financial transactions using a mobile telecommunication device |
| WO2006021144A1 (en) * | 2004-08-25 | 2006-03-02 | Xing Zhou | A system that realizes fund transfer by mobile telephone short message confirming mode and method thereof |
| CN102143163A (en) * | 2010-08-30 | 2011-08-03 | 庞己人 | System and method for verifying by entering cipher code after putting through and hearing cipher code |
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