CN1904934A

CN1904934A - Safety network trading method

Info

Publication number: CN1904934A
Application number: CNA2006101116246A
Authority: CN
Inventors: 王忠杰
Original assignee: Individual
Current assignee: Individual
Priority date: 2006-08-18
Filing date: 2006-08-18
Publication date: 2007-01-31

Abstract

The invention discloses a safe network dealing method aimed at fund safety of client. It includes the following steps: sending a request of maximum network dealing line the account would accept to operation system of bank; operation system would monitor and limit the network dealing line to the account according to the request. One short message from client would realize account limited dealing or stop network dealing. Thus, the safety of fund of client would be sharply ensured in network field.

Description

A kind of safe network trading method

Technical field

The present invention relates to financial security and internet business field, specifically when carrying out network trading, proposed a kind of safe network trading method at bank client.

Background technology

Existing method, the digital signature mode, this mode generates series of sign by certain crypto-operation and code composition electronic cipher is signed, replace writing signature or seal, the client of the Internet bank should be confirmed its identity by the third-party institution (CA) when using electronic signature, for it signs and issues digital certificate, when the client carries out network trading, bank can confirm the authenticity and the validity of client identity by this certificate, the advantage of this mode is safe and effective, but the cost height, the client practicality not frequent for network trading is not strong, is difficult for being adopted by the client widely.

Existing method, the rationed exchange mode is for evading the risk of network trading, a lot of banks have taked the mode of every day quota, rationed exchange to the client, the client can only conclude the business in the amount of money of regulation every day, otherwise will be restricted, though this financial risks amount that reduced, but it has restricted the development of network trading, limit the scope of customer network transaction, increased the cost of transaction, therefore, this pattern is science not, and is also inadvisable.

Summary of the invention

The present invention is exactly in order to remedy the deficiency of legacy network mode of doing business, a low cost is provided, can be widely used and can be subjected to the secured network transactions method of dealing money restriction.

Technical solution of the present invention is divided following three processes, is respectively that transaction is prepared, Trading Authorization, and transaction is implemented.

1., transaction set-up procedure:

This process is mainly finished the Mobile Directory Number binding with client's Bank Account Number and client.The client can arrive bank counter or by the internet client's Bank Account Number and client's mobile phone number be tied up, and simultaneously, the client will reserve the authentication password to confirm SMS sender's identity, the corresponding bank account of mobile phone.

2., Trading Authorization process:

This process mainly is to allow the client independently finish restriction to its account network trading amount, promptly account is carried out the transaction limit mandate.The client is before carrying out network trading, the amount of money according to this transaction, send an authorization message by SMS earlier, to authorize the amount of money and authentication code to send in the sms platform of bank, the account that proposes to bundle mutually with this mobile phone to bank can be carried out the maximum dollar amount of network trading this moment, the synthesis business platform of bank then marks the maximum amount that can carry out network trading this moment account according to client's demand in this client's bank account, the summation of customer network transaction can not surpass this amount, but the client can authorize the amount of account network trading at any time or limits by this mode, comprises the mandate of odd lot degree.

3., transaction implementation process:

The client carries out network trading according to existing transaction operator scheme on existing network trading platform, the network trading amount deficiency of its account being authorized as the client, the client can carry out the mandate of network trading amount according to the mode of above-mentioned " Trading Authorization process " to its account at any time, authorizing each time of client all is a complete independently process, not with any mandate generation calculated relationship that has taken place.

Description of drawings

Fig. 1 is each relevant system platform connection diagram of the present invention;

Fig. 2 is a process flow diagram of the invention process

Among the figure: A is the synthesis business platform of bank, B is Internet bank's platform of bank, C is the sms platform of bank, D is that the client can accept maximum transaction limit at customer account that network trading is authorized, and D1 is the network trading amount of money of client's reality, and E is the authentication code that the client is reserved in bank, E1 is the authentication code that the client sends, F is the avail of clients' accounts, and G is client's a network trading number of the account, and H is client's a Mobile Directory Number.

Embodiment

Further specify technical solution of the present invention below with reference to the accompanying drawings:

Fig. 1 is each relevant system platform connection diagram of the present invention, and wherein A links to each other with C with B by the LAN (Local Area Network) of bank inside, and simultaneously, the end of B is also connecting internetwork interface, and the end of C is also connecting wireless receiving/transmitter module.With function associated of the present invention in, A is the existing comprehensive business system of bank, only finishes the maximum amount that account is carried out network trading and registers, monitors and limit; B is the existing network trading platform of bank, does not change at this; C then is made up of a station server, the software that is used for the managing customer data, lan interfaces and wireless receiving/transmitter module, it has finished two functions, the one, finished customer account and number binding mutually of client's mobile phone, the 2nd, finished the reception customer information, the function of the transmission information and the information of transmission.

Fig. 2 is an operational flowchart of the present invention, has indicated execution flow process of the present invention.

The concrete realization flow of the present invention is as follows:

1, transaction set-up procedure:

The client bundlees Mobile Directory Number H and network trading account G in sms platform C to bank counter or by the internet, simultaneously, for the safety that guarantees to conclude the business, the client will also be reserved in the authentication code E of a 6-8 position among the sms platform C, client's phone number H, bank account G and handset identities identifying code E is formed the data message that is mutually related connect.

2, Trading Authorization process:

The client is before carrying out network trading, earlier will authorize amount D and E1 to send among the C by mobile phone, C at first finishes the comparison of E and E1 according to Mobile Directory Number, judge the legitimacy of client identity with this, if the result of comparison is inconsistent, be that the client does not have legal identity, then C directly feeds back corresponding information by way of short messages to the client, and withdraws from transaction.Otherwise C accesses corresponding customer accounting code G by Mobile Directory Number H contained in the information, and number of the account G and transaction limit D are together sent among the synthesis business platform A of bank.

After the synthesis business platform A of bank receives the data of C transmission, at first between F and D, do a comparison, if F is greater than D, so, A then marks the account and can accept maximum transaction limit D in this account, the summation of all network trading amount of money D1 that carry out of client can not surpass D, that is: D=D-D1＞=0, otherwise send the short message of " insufficient in amount " to the client by C.

3, transaction implementation process:

The client is after the network trading amount mandate of finishing the account, the client can carry out normal network trading, client's network trading carries out under the situation of authorizing in advance, and the amount D of mandate and client's real trade amount D1 are balanced each other, and has guaranteed the safety of network trading and clients fund.

If the client runs into the amount deficiency of D in transaction, be D-D1 " 0, so, the client can send authorized order by specific mobile phone to C at any time, increases the amount D of customer network transaction, to satisfy normally carrying out of network trading, equally, the client also can be arranged to D " 0 " at any time and send among the C, and the client has promptly cancelled any network trading like this, has guaranteed the safety of clients fund.

Advantage of the present invention shows:

1, small investment, safe: the present invention only needs financial institution to do a slight technological transformation in existing systems can to finish, and the safety of its network trading is greatly improved, the amount of client's internet trade is held by client oneself, even anyone steals this client's account number and password, he also can't therefrom steal red cent, has improved the safety coefficient of customer network transaction.

2, simple to operate, be easy to promote: the present invention has just increased a SMS mandate under existing network trading pattern, its operator scheme is very simple, and each client of suitable bank uses, along with popularizing of network trading comprehensively, the present invention can be widely used and use surely.

3, trading range is wide, not limited by transaction limit: the client can be neatly carries out the network trading mandate according to the number of network trading, be not subjected to the restriction of time, place and the amount of money, really realized " my account; I decide ", the scope of safety of network trade will obtain complete upgrading, for good hardware foundation is established in the development that promotes network trading.

In concrete enforcement of the present invention, have some flexibly pattern can use and make up, in technical scheme, the sms platform C of bank can be integrated among the platform B of the Internet bank of bank, in A, can also set safety practices such as the client authorization term of validity; In application solution, bank also can pay taxes some etc. and to pay out business and also bring this pattern into, and the client has only account is withheld the mandate in advance of paying amount, and corresponding fund could therefrom be deducted by bank, has guaranteed the safety of clients fund.

Claims

1, a kind of safe network trading method is characterized in that, comprises following three processes, is respectively that transaction is prepared, Trading Authorization, and transaction is implemented,

1., transaction set-up procedure:

This process is mainly finished the Mobile Directory Number binding with client's Bank Account Number and client, the client can arrive bank counter or by the internet client's Bank Account Number and client's mobile phone number be tied up, simultaneously, the client will reserve the authentication password to confirm SMS sender's identity, the corresponding bank account of mobile phone;

2., Trading Authorization process:

This process mainly is to allow the client independently finish restriction to its account network trading amount, promptly account is carried out the transaction limit mandate, the client is before carrying out network trading, the amount of money according to this transaction, send an authorization message by SMS earlier, to authorize the amount of money and authentication code to send in the sms platform of bank, the account that proposes to bundle mutually with this mobile phone to bank can be carried out the maximum dollar amount of network trading this moment, the synthesis business platform of bank then marks the maximum amount that can carry out network trading this moment account according to client's demand in this client's bank account, the summation of customer network transaction can not surpass this amount, but the client can authorize the amount of account network trading at any time or limits by this mode, comprises the mandate of odd lot degree;

3., transaction implementation process:

2, a kind of safe network trading method according to claim 1, it is characterized in that, utilized and the non-same channel of network trading platform, promptly mobile phone has carried out Autonomous Control to the amount of network trading, and this control is client's active behavior and unrestricted.

3, a kind of safe network trading method according to claim 2 is characterized in that, the user of this mobile phone or ownership side can assert that ownership people or end user have non-repudiation by legal procedure.