CN100372409C - Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption - Google Patents
Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption Download PDFInfo
- Publication number
- CN100372409C CN100372409C CNB031269265A CN03126926A CN100372409C CN 100372409 C CN100372409 C CN 100372409C CN B031269265 A CNB031269265 A CN B031269265A CN 03126926 A CN03126926 A CN 03126926A CN 100372409 C CN100372409 C CN 100372409C
- Authority
- CN
- China
- Prior art keywords
- bank
- card
- pos machine
- special
- dynamic password
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
Images
Abstract
The present invention relates to a dual-handset POS machine transaction method against traditional flow and with dynamic encryption. When a bank card owner carries out card reading operation on a special POS machine with two or more than two handsets, a handset A on the special POS machine sends a dynamic password generated by a random code generator on the special POS machine to a card issuing bank of the bank card, wherein the dynamic password comprises payment information; after the card issuing bank verifies the payment information, confirmed payment information is sent to a deposit bank on the special POS machine, namely a card receiving bank by a settlement network, such as the bank union; the confirmed payment information and the original dynamic password are forwarded to the other handset B on the special POS machine by the card receiving bank; after checking the previous information and the subsequent information, the special POS machine proceeds with the transaction mode of a bank card. Because the method uses dual handset and the dynamic password, the safety and the confidentiality of bank transaction can be greatly improved.
Description
[technical field]
The present invention relates to utilize the financial settlement field of the communication field and the bank card of mobile phone.
[background technology]
In present society, the POS machine has been widely used in bank card clearing field, provides great convenience to people.
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
[summary of the invention]
Social now, after swiping the card on the POS machine, POS machine master's the bank of deposit generally delivered to payment information earlier by the POS machine, it is card-receiving bank, by card-receiving bank payment information is forwarded to issuing bank behind meta networks such as Unionpay again, or directly payment information is forwarded to issuing bank, will confirm that to payment payment information returns by former road by issuing bank behind the validation of information.The method length not only consuming time, and need through complicated encryption technology, it is higher to encrypt cost.Therefore, invent and a kind ofly new can accelerate the safe and reliable again bank card transaction method of bank card business dealing speed, just seem very necessary.The present invention is exactly in order to reach above purpose.
The present invention is based on the development of The present computer technology and modern communications technology.
Indication bank can be business bank, urban credit cooperative, rural credit cooperative, postal saving or distribution and the specialized company that manages bank card in this method, bank card refers to that the specialized bank blocks the card that can carry out financial transaction of exempted dealers's distribution, can be debit card, credit card and credit card; In the method, special POS machine is a transaction terminal that has a random code generator C and two mobile phone A and mobile phone B; Mobile phone A and mobile phone B can be the mobile phones of identical standard network, are the mobile phone of cdma network or the mobile phone of GSM network as mobile phone A and mobile phone B; Mobile phone A and mobile phone B also can be the mobile phones of various criterion network, belong to the mobile phone of cdma network or the mobile phone of GSM network respectively as mobile phone A and mobile phone B; Random code generator C can be pseudo-noise code generator (Pseudo Random Number Generator), produces different dynamic passwords at random when being used for each bank card business dealing, to replace existing traditional approach transaction is encrypted.
Method of the present invention, the POS machine method of commerce of the both hands machine of promptly a kind of confrontational flow process and dynamic encryption, wherein, special POS machine is a transaction terminal that has a random code generator C and two mobile phone A and mobile phone B, mainly comprises the steps:
A, bank card chief commander bank card are swiped the card on special POS machine;
B, bank card on special POS machine, swipe the card the payment information that produces together with special POS machine with
The dynamic password that machine code generator C produces is sent by the mobile phone A on the special POS machine
Issuing bank to bank card;
C, issuing bank confirm payment after to the payment credit verification, will confirm payment information and described
Dynamic password is with wired or wireless transmission means, or through other meta networks, is sent to
Special POS machine master's the bank of deposit, i.e. card-receiving bank;
Accept money information and described dynamic password are forwarded to really with issuing bank for d, card-receiving bank
Another mobile phone B on the special POS machine;
After payment information that produces in e, the special POS machine described affirmation payment information that forwarding comes to card-receiving bank and dynamic password and the step (b) and dynamic password are checked, carry out bank card business dealing;
F, issuing bank answer fund to the special POS machine of card-receiving bank master account from bank card master account phase inversion.
[description of drawings]
Fig. 1 is the key diagram of method step of the present invention.
[embodiment]
The present invention is further illustrated below by drawings and Examples.
The step of process description the inventive method of Figure of description, in the present embodiment, mobile phone A belongs to the cdma network mobile phone, and mobile phone B belongs to GSM network mobile phone.
A, for example bank card master Huang Jinfu are held Shenzhen agricultural bank card 955,991,234,567,890 5000 yuan of bankcard consumption RMB on the special POS machine in starlight market;
B, bank card 955991234567890 payment information that produces of swiping the card on special POS machine (contains bank's card number 955991234567890, password 123456,5000 yuan of amount of money RMB etc.) dynamic password that produces at random together with special POS machine random code generator C sends to Shenzhen agricultural bank of issuing bank of bank card as 888888 by the cdma network mobile phone A 13302966788 on the special POS machine; In this step, the random dynamic puzzle that the each exchange of random code generator C produces can be not identical, in case divulge a secret; As this transaction dynamic password is 123456, and next time transaction dynamic password may be 654321 or the like; Special POS machine also can send own code, as 955,550,755 1888, so that issuing bank's identification;
C, Shenzhen agricultural bank of issuing bank confirm payment after to the payment credit verification, to confirm that then payment information and former dynamic password 888888 are with wired or wireless transmission means, or through other meta networks, as Unionpay's network, be sent to the bank of deposit in special POS machine primary light market, be card-receiving bank, as Shenzhen China Merchants Bank;
Accept money information and described dynamic password 888888 are forwarded to another GSM network mobile phone B 13902966788 on the special POS machine really with issuing bank for d, card-receiving bank Shenzhen China Merchants Bank;
After e, the special POS machine described affirmation payment information that forwarding comes to card-receiving bank and dynamic password 888888 are checked with former payment information and dynamic password 888888, carry out bank card business dealing; As allow bank card master Huang Jinfu to consume 5000 yuan of RMB;
F, Shenzhen agricultural bank of issuing bank answer 5000 yuan of fund RMB to the special POS machine primary light market account of card-receiving bank Shenzhen China Merchants Bank from bank card master Huang Jinfu bank card account 955991234567890 phase inversions.
In the method, mobile phone A and mobile phone B also can be the mobile phones of same standard network, are the mobile phone of cdma network or the mobile phone of GSM network as mobile phone A and mobile phone B, and in this case, the step of the inventive method is constant.
Because this method adopts two mobile phones to receive and send messages and uses random code generator C to produce random dynamic puzzle, and the level security of bank card business dealing is improved greatly.
Claims (5)
1. the POS machine method of commerce of the both hands machine of confrontational flow process and dynamic encryption, wherein, special POS machine is a transaction terminal that has a random code generator C and two mobile phone A and mobile phone B, this method comprises the steps:
A, bank card chief commander bank card are swiped the card on special POS machine;
B, bank card are sent to the issuing bank of bank card by the mobile phone A on the special POS machine together with a dynamic password of special POS machine random code generator C generation in the payment information of the generation of swiping the card on the special POS machine;
C, issuing bank confirm payment after to the payment credit verification, will confirm payment information and described dynamic password with wired or wireless transmission means, or through meta network, be sent to special POS machine master's the bank of deposit, i.e. card-receiving bank;
Accept money information and described dynamic password are forwarded to another mobile phone B on the special POS machine really with issuing bank for d, card-receiving bank;
After payment information that produces in e, the special POS machine described affirmation payment information that forwarding comes to card-receiving bank and dynamic password and the step (b) and dynamic password are checked, carry out bank card business dealing;
F, issuing bank answer fund to the special POS machine of card-receiving bank master account from bank card master account phase inversion.
2. POS machine method of commerce as claimed in claim 1, indication bank is business bank, urban credit cooperative, rural credit cooperative, postal saving or distribution and the specialized company that manages bank card in this method.
3. POS machine method of commerce as claimed in claim 1, bank card refer to that the specialized bank blocks the card that can carry out financial transaction of exempted dealers's distribution.
4. POS machine method of commerce as claimed in claim 3, the card that can carry out financial transaction that wherein said specialized bank blocks exempted dealers's distribution is debit card, credit card or credit card.
5. POS machine method of commerce as claimed in claim 1, the feature of special POS machine wherein is that random code generator C is a pseudo-noise code generator.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB031269265A CN100372409C (en) | 2003-06-20 | 2003-06-20 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB031269265A CN100372409C (en) | 2003-06-20 | 2003-06-20 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1568061A CN1568061A (en) | 2005-01-19 |
| CN100372409C true CN100372409C (en) | 2008-02-27 |
Family
ID=34469116
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB031269265A Expired - Fee Related CN100372409C (en) | 2003-06-20 | 2003-06-20 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN100372409C (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101916478A (en) * | 2010-08-03 | 2010-12-15 | 上海瀚银信息技术有限公司 | Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client |
| CN102842191B (en) * | 2012-08-03 | 2014-11-26 | 乌鲁木齐昊宇神鹰农业科技有限公司 | Electronic accounting control system and method |
| CN108205752A (en) * | 2017-12-29 | 2018-06-26 | 新开普电子股份有限公司 | A kind of POS terminal device and intelligent mobile terminal exchange method |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH05145543A (en) * | 1991-11-20 | 1993-06-11 | Csk Corp | Communication system and communication method |
| CN1228860A (en) * | 1996-08-29 | 1999-09-15 | 最佳连接有限公司 | Automatic electronic funds transfer system and method |
| CN1299095A (en) * | 2000-12-19 | 2001-06-13 | 天津南开戈德集团有限公司 | Portable POS system of wireless mobile network and its operation method |
| CN1308454A (en) * | 2001-02-12 | 2001-08-15 | 深圳市众力讯电脑应用技术有限公司 | Hand set paying method |
| JP2002092497A (en) * | 2000-09-19 | 2002-03-29 | Sanyo Electric Co Ltd | Settlement system for store |
| WO2002080122A1 (en) * | 2001-03-30 | 2002-10-10 | Harexinfotech Inc. | Method and system for settling financial transaction with mobile communications portable terminal containing financial information |
-
2003
- 2003-06-20 CN CNB031269265A patent/CN100372409C/en not_active Expired - Fee Related
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH05145543A (en) * | 1991-11-20 | 1993-06-11 | Csk Corp | Communication system and communication method |
| CN1228860A (en) * | 1996-08-29 | 1999-09-15 | 最佳连接有限公司 | Automatic electronic funds transfer system and method |
| JP2002092497A (en) * | 2000-09-19 | 2002-03-29 | Sanyo Electric Co Ltd | Settlement system for store |
| CN1299095A (en) * | 2000-12-19 | 2001-06-13 | 天津南开戈德集团有限公司 | Portable POS system of wireless mobile network and its operation method |
| CN1308454A (en) * | 2001-02-12 | 2001-08-15 | 深圳市众力讯电脑应用技术有限公司 | Hand set paying method |
| WO2002080122A1 (en) * | 2001-03-30 | 2002-10-10 | Harexinfotech Inc. | Method and system for settling financial transaction with mobile communications portable terminal containing financial information |
Also Published As
| Publication number | Publication date |
|---|---|
| CN1568061A (en) | 2005-01-19 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102201143B (en) | A kind of bank card transaction system based on SMS platform real-time interaction and method | |
| CN201600745U (en) | Electronic payment terminal and service equipment provided with same | |
| CN101159054A (en) | Method for realizing currency money payment through mobile communication appliance channel | |
| CN101814169A (en) | Method and device for realizing secure payment based on payment confirmation terminal and digital certification | |
| CN101939945B (en) | A payment method and system for certification by a smart card with a display and a keyboard using one time dynamic cipher code | |
| CN101916476A (en) | Mobile data transmission method based on combination of SD (Secure Digital) encrypted card and short-distance wireless communication technology | |
| CN101276447A (en) | Payment system and method of electronic purse capable of loading multiple credit card and debit card | |
| CN101308557A (en) | Method for implementing secured electronic charging | |
| CN102054316A (en) | Bank card transaction method and system for performing password authentication through mobile phone | |
| CN101192284A (en) | Remote payment method and system based on signing on mobile equipment | |
| CN102810189A (en) | Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone | |
| CN102592221A (en) | Bank card payment system and method based on mobile phone confirmed password | |
| CN101790166A (en) | Digital signing method based on mobile phone intelligent card | |
| CN102131164A (en) | System for performing loan transaction service based on mobile phone short message | |
| CN101118627A (en) | Movable electric commerce payment transaction system and safety identification method thereof | |
| EP2045768A1 (en) | System based on a SIM card for performing services with high security features and relative method | |
| Hashemi et al. | A secure m-payment protocol for mobile devices | |
| CN102385778A (en) | Mobile payment method, mobile pavment system and mobile terminal | |
| CN103108277A (en) | Air business implement method and system based on mobile phone client-side | |
| CN101197028A (en) | Electric paying method based on trade code | |
| KR20010000363A (en) | Method of real time sattlement with Phone & Phone, and make use of short message service for second confirmation | |
| CN105761078A (en) | Electronic currency payment system and method thereof | |
| Dai et al. | An integrated mobile phone payment system based on 3g network | |
| CN100372409C (en) | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption | |
| CN101127954B (en) | A method for transmitting data via mobile phone dialing communication or GRPS packet communication technology |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| ASS | Succession or assignment of patent right |
Owner name: RUAN YUAN Free format text: FORMER OWNER: HUANG JINFU Effective date: 20091016 |
|
| C41 | Transfer of patent application or patent right or utility model | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20091016 Address after: Shanghai city Chinese ronghua Avenue 19-6-403 Patentee after: Ruan Yuan Address before: Beijing Xicheng District Financial Street 27 investment Plaza, block B, 19 floor Patentee before: Huang Jinfu |
|
| C17 | Cessation of patent right | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20080227 Termination date: 20100620 |