CN101523449B

CN101523449B - Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password

Info

Publication number: CN101523449B
Application number: CN2006800559457A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2006-09-27
Filing date: 2006-09-27
Publication date: 2011-04-13
Anticipated expiration: 2026-09-27
Also published as: WO2008037116A1; CN101523449A

Abstract

A method and system for user securely payment using the bank card by telecommunicating manner, includes: transferring method and system for encrypting the bank password using the user-defined arithmetic, the user can change the encrypted bank password of the user-defined arithmetic to create the transferring code at any time, and send it to DNA system (1) using his handset (3), and DNA system (1) decrypts the bank password, then transfers the decrypted bank password to the bank computer center (2), in order to implement the bank card (4) payment on the POS machine (5), and/or Internet shoppingpayment using the networking device (6) through the shopping sites (7), since the user-defined arithmetic is determined by user-self and modified at any time, therefore the created transferring code is very reliable, it would not be used even if pilfered, the user may not beget the loss, DNA system of the present invention unlocks the user bank account in advance, and sets the payment upper limitevery time, so as to insure the security for various payment.

Description

Transmit sign indicating number and add encryption transfer approach and the system that formula equals bank cipher that make by oneself

[technical field]

The present invention relates to the secret velocity transmission communication technology field of information, particularly relate to financial institution and comprise it mainly being that the client of card sending mechanism of bank and money card sticks into row when paying, transferring accounts, withdraw the money etc. in utilization, the method and system of the secret transmission of bank cipher.

[background technology]

Current general money card, for example debit card, the card of withdrawing the money, credit card etc., the password that is adopted is generally 6 bit digital, is mainly used in that Automatic Teller Machine ATM withdraws the money, debit card is consumed purposes such as payment.If stolen password by the people, just may the money in the account be called away by the people, so password is very important, but the general card of using is consumed when paying the bill, need block the master when a lot of and on POS (point of sales) machine, input password, block the master in the process of input password, be easy to stealthily take main password and the bank card number of being inputed of card with the mobile phone that shooting-recording function is arranged, had card number and password ruffian just can steal the interior money of the main bank account of card easily to the ruffian.

Therefore, adopt dynamic password, the method and the corresponding system of random cipher transmission bank cipher also arise at the historic moment, the confidentiality of password transmission is greatly strengthened, present certain methods and system, some is comparatively complicated, be not easy to use, some then also has careless omission, still to the ruffian opportunity is arranged.Should operate easily, the transfer approach of the reliable bank cipher of maintaining secrecy again and system are the ten minutes needs.

[summary of the invention]

Purpose of the present invention is to provide a kind of client of making maneuverable, and safe and reliable again employings such as money card comprise the method for payment and the system of password.

The object of the present invention is achieved like this, promptly, a kind of user utilizes the money cartoon to cross the safe payment method that telecommunication means is carried out, in the described method, adopted and transmitted sign indicating number and the main own mobile phone (3) that adopts of card sends the step that transmits sign indicating number, described transmission sign indicating number is combined with bank cipher and is constituted by the main formula of making by oneself of card.

The described formula of making by oneself determined voluntarily by the user, and is stored in the DNA system (1), and the user can revise at any time and make formula by oneself, determines the new formula of making by oneself, and the new formula of making by oneself is stored in DNA (the Digital Network Alert) system (1) before use.

The described formula of making by oneself constitutes by the N bit digital or by letter and number, and letter wherein can be endowed predetermined letter justice, and corresponding numeral, makes to make formula by oneself and finally show as the N bit digital.

The described sign indicating number that transmits is made of main the making formula and bank cipher addition by oneself or subtract each other of card, and other concrete grammar step will be specified in an embodiment.

And,

A kind of user utilizes money card (4) to carry out the system of secure payment by telecommunication means, and described system comprises DNA system (1), and bank computer center (2), user mobile phone (3), user's money card (4), and,

POS machine (5), and/or

Internet device (6), shopping website (7),

Wherein, adopted the security information that transmits sign indicating number between DNA system (1) and the user mobile phone (3), and its DNA system (1) has also comprised the function of the user's bank account of unblanking.

Like this, just realized purpose of the present invention.

System and method of the present invention, also can use USSD (the UnstructuredSupplementary Service Data unstructured supplementary data traffic) technology of mobile telephone network to transmit transmission sign indicating number of the present invention, to transmit sign indicating number transmits with the USSD information approach, as long as in DNA system (1), increase the server of handling USSD information, the USSD information of will the main mobile phone (3) of card being sent, by preset program with data transmissions such as the source telephone number of information and the information contents to DNA system (1).USSD is the technology of prior mobile phone network, and the present invention adopts and directly brings application mode.

Advantage of the present invention be card instigator usefulness be to transmit sign indicating number, rather than bank cipher, and the transmission sign indicating number that must be sent with card master's oneself mobile phone (3) just can be confirmed by bank after DNA system (1) translates, even stolen card number and transmitted sign indicating number by the ruffian, do not block main mobile phone (3) or the main bank cipher of card, the ruffian just cannot succeed.

The present invention be advantageous in that combine inventor's invention in the past with relevant account when needed, by preset program, make the predetermined amount of time of relevant bank account " release ", " unblanking " one section user's appointment in advance, only during this period of time can wait and stick into row and conclude the business with money card (4), all the other times are pinned account, guarantee the safety of user's bank account capital.The program of will unblanking is the triple protection of user mobile phone (3) in conjunction with the card master in conjunction with transmitting sign indicating number again, and the security of system and method for the present invention has great guarantee.

[description of drawings]

Fig. 1 is that the generation and the bank cipher of the transmission sign indicating number among the present invention generates routine key diagram.

Fig. 2 is another embodiment key diagram.

Fig. 3 and Fig. 4 are the generation of the transmission sign indicating number after the date joining day factor and the key diagram that bank cipher generates example.

Fig. 5 is a system and method for the present invention when implementing to swipe the card payment, with mobile phone (3) by transmitting the embodiment that sign indicating number is confirmed.

Fig. 6 is that system and method for the present invention is done shopping and/or during teleshopping on the net, and card is main uses mobile phone (3) DNA system (1) input of making a telephone call to transmit the embodiment key diagram of sign indicating number in advance.

Fig. 7 be among Fig. 6 among the step B1 user transfer with own mobile phone (3) and comprise and transmit sign indicating number, the upper limit amount of money and the embodiment key diagram of withdrawing cash at random yard.

Fig. 8 is the key diagram that combines the system and method for the present invention of the step of unblanking of the present invention.

Fig. 9 is in the system and method for the present invention, and the user changes the key diagram of the step of making formula by oneself at any time.

Figure 10 is in the system and method for the present invention, and the user sets the key diagram of step of the upper limit amount of money of payment.

Figure 11 is in the system and method for the present invention, the embodiment key diagram of the amount of money of SC service ceiling simultaneously and transmission sign indicating number.

Figure 12 is in the system and method for the present invention, is applied in the embodiment key diagram of Web bank's service of website of bank.

In the accompanying drawing, identical numeric character is represented identical system, identical and similar device.Accompanying drawing is schematically, in order to the content of explanation the present invention and related right requirement.

[embodiment]

Below in conjunction with accompanying drawing, the present invention is described in further detail.

Consult Fig. 1, Fig. 1 is in the system and method for the present invention, utilizes and makes formula generation transmission sign indicating number by oneself, is used for bank cipher is encrypted, and will transmit the key diagram that sign indicating number is reduced to bank cipher then in DNA system (1).

In the present invention, bank cipher is meant that money card (4) comprises debit card, credit card, the bank card of the card of withdrawing the money, bank account and so on and the password of account, the password of required input when described password is to use these money card (4) payments, the for example current general money card (4) that uses is when ATM withdraws the money, after will blocking the insertion ATM, the display screen display reminding information of ATM please the user be inputed password on the keyboard of ATM, this password is exactly the bank cipher of indication of the present invention.When for example current again general use money card (4) purchase and consumption was paid the bill, the password of being inputed on POS switch dish the back user that swipes the card was exactly the bank cipher of indication of the present invention.

Making formula by oneself is that the user sets up on their own; register in the DNA system (1) in the system of the present invention by the user; make formula by oneself and be made as numeral usually; be for remember and utilize, convenience in the use, making formula by oneself can be the N bit digital, N is a positive integer; in several examples of this instructions; for convenient, getting N without exception is 6 bit digital, and N also belongs to protection scope of the present invention for other bit digital.

Be that the user promptly blocks the step that analytic accounting is calculated the transmission sign indicating number in the left frame among the figure, in the method for the present invention, transmitting sign indicating number and will be transferred in the DNA system (1), represented this transmission with middle arrow, is that DNA system (1) will transmit the step that sign indicating number is reduced to bank cipher in the square frame on right side.Fig. 2 to Fig. 4 is this situation, here explanation in the lump.

Continue to consult Fig. 1, example illustrates among the figure, for example the bank cipher of user's debit card (4) is 456221, the formula of making by oneself that he sets is 124521, the user calculates the mode that sign indicating number has adopted addition that transmits, be that 456221 of bank cipher adds and makes 124521 of formula by oneself, draw and transmit sign indicating number 580742 that this is on the one hand.On the other hand, when the transmission sign indicating number passes to DNA system (1), DNA system (1) will transmit sign indicating number and be reduced to bank cipher, adopt transmission sign indicating number 580742 to deduct and make 124521 of formula by oneself, restore bank cipher 456221, send to bank computer center (2) to confirm payment for DNA system (1).

Consult Fig. 2, identical with Fig. 1, no longer describe in detail, the bank cipher that the user promptly blocks main debit card (4) is 354652, and the formula of making by oneself that he sets is 778523, still adopts addition, and drawing and transmitting sign indicating number is 1133175.The answer of this example " transmitting sign indicating number " is 7 bit digital, in order to simplify, the user can only import 6 bit digital of answer back in mobile phone (3), when DNA system (1) receives that the numerical value of 6 bit digital that the user imports is values less than " making formula by oneself ", add numeral 1 in 6 bit digital foremosts and become 7 bit digital, user's's " transmit sign indicating number " of calculating answer just, by the answer of " transmitting sign indicating number " with regard to the reducible bank cipher that draws.

Be the step when restoring bank cipher in the right frame among the figure, will transmit sign indicating number 1133175 by DNA system (1) and deduct 778523, draw bank cipher 354652.

Consult Fig. 3 and Fig. 4, more can add the dynamically changeable element making by oneself in the formula, for example relevant with Time of Day parameter is as follows:

W: be 0 Sun., be 1 Monday, be 2 Tu., be 3 etc. Wednesday,

D: last numeral on the date on the same day in this month is for No. 18 to be for 8, No. 66 etc.,

DD: representing date on the same day in this month with two digits, is for No. 18 to be for 18, No. 6 06 etc.,

M: this in month numeral last bit digital, be 5 May, be 9 September, be 2 etc. Dec,

MM: with two digits represent that the numeral in this month, May are 05, be 09 September, be 12 etc. Dec,

H: one day in 24 hours, and hour numeral at that time is last numeral of (disregard minute) partly, and 16:35 is 6,05:10 is 5,23:46 is 3,00:35 is 0 etc.,

HH: one day in 24 hours, and hour numeral at that time is (disregard minute) partly, and 16:35 is 16,05:10 is 05,23:46 is 23,00:35 is 00 etc.,

Continue to consult Fig. 3, among Fig. 3, for example making formula by oneself is W15d76, be Tu. on June 27th, 2006 same day, because be Tu. the same day, wherein W gets 2, and d gets last numeral 7 of 27, so the formula of making by oneself on the same day is 215776, bank cipher is 456221, calculates that to transmit sign indicating number be 671997 so card is main, reach DNA system (1) after, to transmit 671997 of sign indicating number by DNA system (1) employing and deduct 215776, draw bank cipher 456221.

Continue to consult Fig. 4, among Fig. 4, for example, the user takes from that to decide formula be 85DD41, and be Saturday on March 11st, 2006 same day, and be No. 11 the same day, so DD gets 11, so six bit digital of making formula by oneself on the same day are 851141.Main the calculating in view of the above of card transmitted sign indicating number, with bank cipher 456221 with make formula 851141 additions by oneself, draw and transmit sign indicating number 1307362, be sent to DNA system (1), adopt by DNA system (1) and will transmit yards 1307362 and deduct 851141, draw bank cipher 456221.

Illustrate thus, making formula by oneself is promptly to block the master by the user to determine voluntarily, makes formula by oneself and can be changed at any time by the user, and in the time of change, notice DNA system (1) makes also change simultaneously of DNA system (1), so that user's use.

Also illustrate thus, making formula by oneself can be made of letter and number, and letter wherein can be endowed predetermined letter justice, and corresponding numeral, make and make formula by oneself and finally show as the N bit digital, for example 4 bit digital, 5 bit digital, 6 bit digital, 7 bit digital, 8 bit digital and so on.

Transmitting sign indicating number is made of main the making formula and bank cipher addition by oneself or subtract each other of card.In the example of Fig. 1 to Fig. 4, make corresponding addition into subtraction, subtraction makes addition into and gets final product, not in addition with the figure explanation.

Consult Fig. 5, Fig. 5 is an embodiment key diagram of system and method for the present invention, a key diagram of confirming by the transmission sign indicating number with mobile phone (3) when being the user card punching payment, shown in the figure, system of the present invention mainly comprises DNA system (1), also be to utilize Computers and Communication device or the system that confirms phone and open account and carry out password confirming, be used to receive and store user's information, comprise mobile phone (3) telephone number, various money cards (4) number, the bank account number, the user makes formula by oneself, and receive the user newly make formula by oneself, receive user's transmission sign indicating number, calculate bank cipher, and transfer to bank computer center (2), and the result that will transfer accounts etc. is transferred to this user.Bank computer center (2) is the computer mechanism of bank, is used to transfer accounts and transmit payment information.Native system comprises user's mobile phone (3) and each money card (4), and the shopping POS machine (5) of the time swiping the card, and adopts public wired and radio communication to carry out information transmission between each device of native system, comprises various mobile telephone networks.

Method of the present invention with the explanation of described A group step, adds the step that circle illustrates corresponding Ax with numeral among the figure, and described method comprises following A group step, be the user when on POS machine (5), swiping the card payment with mobile phone (3) by the step that transmits yard confirmation method,

A1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account and money card (4) number by oneself, comprise debit card, credit card, the card of withdrawing the money, bank card of bank account and so on and account number, when using his money card such as debit card (4), the user consumes when POS machine (5) is paid the bill, the Payment Information of password will do not comprised, comprise debit card (4) card number, the category information of the amount of money, be sent to bank computer center (2) and DNA system (1) by POS machine (5)

A 2.DNA system (1) finds user's mobile phone (3) telephone number from debit card (4) card number, dials user's mobile phone (3) telephone number immediately,

A 3. users see it is the incoming call of DNA system (1) from mobile phone (3) caller identification, and the last N bit digital of caller identification number is swiped the card silver-colored yard exactly, agree after answering to pay the bill and just upward press the transmission sign indicating number at mobile phone (3),

A4.DNA system (1) with the user make by oneself formula will transmit the sign indicating number be reduced to bank cipher, then bank cipher is sent back bank computer center (2),

A5. bank computer center (2) check bank cipher, account balance and data errorless after, send the affirmation Trading Authorization to POS machine (5),

A6.POS machine (5) is sent confirmation back to bank computer center (2), confirms to have received the affirmation Trading Authorization that bank (2) sends,

A7. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Method of the present invention also can adopt to comprise following B group step, is that the user uses the USSD technology with mobile phone (3) when swiping the card payment on POS machine (5), by the step that transmits the sign indicating number confirmation method,

B1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account and money card (4) number by oneself, comprise debit card, credit card, the card of withdrawing the money, bank card of bank account and so on and account number, when using his money card such as debit card (4), the user consumes when POS machine (5) is paid the bill, the Payment Information of password will do not comprised, comprise debit card (4) card number, the category information of the amount of money, be sent to bank computer center (2) and DNA system (1) by POS machine (5)

B2.DNA system (1) finds user's mobile phone (3) telephone number from debit card (4) card number, and mobile phone (3) telephone number to the user sends USSD information immediately,

B3. the user sees it is the USSD information of being sent from DNA system (1) from mobile phone (3), and the information content comprises the silver sign indicating number of swiping the card, and agrees that payment just goes up by transmitting sign indicating number at mobile phone (3), will transmit yard to pass DNA system (1) back by the USSD information mode,

B4.DNA system (1) with the user make by oneself formula will transmit the sign indicating number be reduced to bank cipher, then bank cipher is sent back bank computer center (2),

B5. bank computer center (2) check bank cipher, account balance and data errorless after, send the affirmation Trading Authorization to POS machine (5),

B6.POS machine (5) is sent confirmation back to bank computer center (2), confirms to have received the affirmation Trading Authorization that bank (2) sends,

B7. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Consult Fig. 6, Fig. 6 is the another embodiment of system and method for the present invention, is fit to be applied to the situation of shopping online and/or teleshopping.The basic comprising of the system of the present invention shown in Fig. 6 is identical with embodiment shown in Fig. 5, and difference is, is user's shopping of swiping the card on POS machine (5) among Fig. 5, and Fig. 6 is the example that the user does shopping on the net.Described system mainly comprises DNA system (1), bank computer center (2), user mobile phone (3), money card (4), these with Fig. 5 in identical, difference is, includes shopping website (7) in this example, Internet device (6), Internet device (6) can be the communicators that computer etc. can be wired or wireless.

In the present embodiment, method of the present invention mainly comprises following C group step,

C1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account number by oneself, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account and so on, when the user will use his money card such as debit card (4) is done shopping and/or during teleshopping on the net, use oneself mobile phone (3) the DNA system (1) that dials before the payment, put through the back input and comprise the transmission sign indicating number, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random, DNA system (1) finds user's debit card (4) card number from caller ID, transmission sign indicating number with user's input, the information storage of the upper limit amount of money and the sign indicating number of withdrawing cash at random is in system, the user puts through the transmission sign indicating number of phone input at every turn, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random is only for the usefulness of once swiping the card, wherein, the sign indicating number of withdrawing cash at random is the fixed upright coding of user oneself, or use the mode of sending short messages, to transmit sign indicating number, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random is sent to DNA system (1)

C2. user's shopping website (7) of surfing the Net, select the article of buying and import debit card (4) card number and the sign indicating number of withdrawing cash at random, shopping website (7) is requested for payment with debit card (4) card number of user input, the Payment Informations such as the sign indicating number and the amount of money of withdrawing cash are sent to bank computer center (2) at random

C3. bank computer center (2) are sent to DNA system (1) with debit card (4) card number and the sign indicating number of withdrawing cash at random,

C4.DNA system (1) finds data such as transmission sign indicating number, the upper limit amount of money that sends before the user and the sign indicating number of withdrawing cash at random from debit card (4) card number, check the upper limit amount of money and withdraw cash at random the sign indicating number errorless after, making formula by oneself and will transmit sign indicating number and be reduced to bank cipher with the user immediately, then bank cipher is sent back bank computer center (2)

C5. bank computer center (2) check bank cipher, account balance and data errorless after, send the affirmation Trading Authorization to shopping website (7),

C6. shopping website (7) is sent confirmation back to bank computer center (2), confirms to have received the affirmation Trading Authorization that bank sends,

Issue transaction data by DNA system (1) at C 7. bank computer centers (2) with note

User's mobile phone (3), notice customer transaction and payment are finished.

In the present embodiment, also can adopt to comprise following D group step, be that the user does shopping and/or during teleshopping on the net, and card is main to be used mobile phone (3) to send out USSD information to transmit the D group step of sign indicating number to DNA system (1) input in advance,

D1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account number by oneself, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account and so on, when the user will use his money card such as debit card (4) is done shopping and/or during teleshopping on the net, the mobile phone (3) that uses oneself before the payment is to send out the USSD information mode, to transmit sign indicating number, the upper limit amount of money and the sign indicating number of withdrawing cash at random send to DNA system (1), DNA system (1) finds user's debit card (4) card number from the source telephone number of USSD information, the USSD information of receiving is comprised the transmission sign indicating number, the information storage of the upper limit amount of money and the sign indicating number of withdrawing cash at random is in system, the user is each to send described USSD information only for the usefulness of once swiping the card, wherein, the sign indicating number of withdrawing cash at random is the fixed upright coding of user oneself

D2. user's shopping website (7) of surfing the Net, select the article of buying and import debit card (4) card number and the sign indicating number of withdrawing cash at random, shopping website (7) is requested for payment with debit card (4) card number of user input, the Payment Informations such as the sign indicating number and the amount of money of withdrawing cash are sent to bank computer center (2) at random

D3. bank computer center (2) are sent to DNA system (1) with debit card (4) card number and the sign indicating number of withdrawing cash at random,

D4.DNA system (1) finds data such as transmission sign indicating number, the upper limit amount of money that sends before the user and the sign indicating number of withdrawing cash at random from debit card (4) card number, check the upper limit amount of money and withdraw cash at random the sign indicating number errorless after, making formula by oneself and will transmit sign indicating number and be reduced to bank cipher with the user immediately, then bank cipher is sent back bank computer center (2)

D5. bank computer center (2) check bank cipher, account balance and data errorless after, send the affirmation Trading Authorization to shopping website (7),

D6. shopping website (7) is sent confirmation back to bank computer center (2), confirms to have received the affirmation Trading Authorization that bank sends,

D7. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Wherein, in step D1, transmit sign indicating number the user in its mobile phone (3) input, in the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random, can adopt structure as shown in Figure 7, consult Fig. 7, the structure of described information being shown among Fig. 7, all having adopted # number separation before and after it and between top three kinds of information, is to transmit sign indicating number 125412 to be clearly shown that Far Left, 3600 yuan of the upper limit amount of money, and the sign indicating number 412 of withdrawing cash at random.What Fig. 7 provided is a kind of example, and the information format of other similar fashion also is protection scope of the present invention.

Consult Fig. 8, Fig. 8 is the embodiment that combines the common situation of unlocking function in the system and method for the present invention, and its formation is identical with the formation of Fig. 5 and Fig. 6, constitutes example with the structure of Fig. 5 and describes.

At first set up a mobile phone unlocking cipher to confirm the DNA system, hereinafter to be referred as DNA system (1), DNA system (1) be in charge of the user bank account number card numbers such as (comprise debit card, credit card) cards of withdrawing the money locking state and the user is reduced to user's bank cipher at the transmission sign indicating number of mobile phone (3) input.DNA system (1) wants mobile phone (3) telephone number, bank account number card numbers such as (comprise debit card, credit card) cards of withdrawing the money of stored user simultaneously and makes formula by oneself, below is to use the abbreviated functional description of DNA system (1),

About DNA system (1) unlocking function, in the patent of the former application of this function explanation has been arranged, now be attached in the present embodiment.User's bank account number is locking state at ordinary times, before the user will use these accounts to do payment, put through the telephone number of unblanking of DNA system (1), to unblank a period of time the account by DNA system (1), for example 5 minutes, automatically reply locking state later, only under unlocking condition, the account could pay, and for example consumption swipes the card, ATM withdraws the money, transfer accounts etc.Below be E group operation steps,

E1. the user dials the telephone number of unblanking of DNA system (1) with own mobile phone (3), puts through take-up afterwards, after DNA system (1) finds user's bank account number from caller ID, with the account unblank predetermined number minute of number, automatically replies locking state later,

E2. the user uses his money card such as debit card (4) consumption payment during this predetermined number minute is unblanked, Payment Information comprises that debit card (4) card number, password, the amount of money etc. are sent to bank computer center (2) by POS machine (5), the locking state of this debit card (4) card number is inquired about at bank computer center (2) to DNA system (1)

The locking state of this debit card (4) card number is replied to bank computer center (2) by E3.DNA system (1),

E4. bank computer center (2) check Payment Information, comprising debit card (4) card number, account balance etc. with locking state errorless after, send the affirmation Trading Authorization to POS machine (5),

E5. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

In the present embodiment, also can adopt to comprise following F group step,

F1. the user sends out the USSD information of unblanking to DNA system (1) with the mobile phone (3) of oneself, the described USSD of unblanking information is by DNA system (1) the USSD information of specified format in advance, after the USSD information of unblanking is received by DNA system (1), know the information of unblanking from the USSD information content, find user's mobile phone (3) telephone number and bank account number from USSD source telephone number after, with the account unblank predetermined number minute of number, automatically reply locking state later

F2. the user uses his money card such as debit card (4) consumption payment during this predetermined number minute is unblanked, Payment Information comprises that debit card (4) card number, password, the amount of money etc. are sent to bank computer center (2) by POS machine (5), the locking state of this debit card (4) card number is inquired about at bank computer center (2) to DNA system (1)

The locking state of this debit card (4) card number is replied to bank computer center (2) by F3.DNA system (1),

F4. bank computer center (2) check Payment Information, comprising debit card (4) card number, account balance etc. with locking state errorless after, send the affirmation Trading Authorization to POS machine (5),

F5. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Wherein, " predetermined number minute " among step e 1 and step e 2 and step F 1 and the F2 can be time of 1 to 15 minute, be preferably 5 minutes, because usually, in 5 minutes, general transaction just can be finished, and 10 minutes, takes the transaction of growing any again and also can finish, common 10 minutes of online transaction is with interior just much of that, uncaging time is short more, and is safe more to user's bank account, if desired, the user also can unblank tens of its account even hundreds of minutes, need be determined by himself by the user.

Specify, go out among each embodiment shown in the present, especially among Fig. 5 and Fig. 6 embodiment, described institute in steps before, can increase the user and make the unblank step of the schedule time of its bank account by DNA system (1).

In the example of above C group and D group step, because joining day restriction, when the user after step C1 or step D1 input transmits sign indicating number, the upper limit amount of money and the sign indicating number of withdrawing cash at random, shopping website will be in the time of appointment (for example 10 minutes), could successfully brush user's card gathering, DNA system (1) will delete the data that the user is imported at step C1 or step D1 automatically after exceeding the fixed time, and shopping website just can not successfully be brushed user's card gathering.

Each example of front also is particularly suitable for being applied to shopping online, Web bank, make a phone call to order purposes such as E-ticket, because the user need not be at transaction end input bank cipher, the user is to use to make by oneself to generate after formula is encrypted bank cipher and transmits sign indicating number, to transmit mobile phone (3) input of sign indicating number again user oneself, just bank cipher can not revealed to shopping website or trade company, so it is the most safe and reliable, and each user can set the sign indicating number of withdrawing cash at random, it is to pay that trade company that the user just can specify money, guarantees can by other shopping website brush users' card money not taken away after each step 1.

Consult Fig. 9, Fig. 9 is in the system and method for the present invention, and the user changes the key diagram of the step of making formula by oneself at any time.That is,

Further improvement of the present invention is that the user can change at any time and makes formula by oneself, can will make the formula change immediately by oneself after each consumption payment, has changed to make behind the formula user by oneself and will recomputate and transmit sign indicating number, tightening security property like this.Setting and the change method of making formula by oneself are as follows,

Continue to consult Fig. 9, at first DNA system (1) sets up change to make the formula hotline by oneself, for example apply for the telephone number of one 11 bit digital to telephone operator, the front five digit number is the major number of fixing, for example 95516, the scope of telephone number from 95516000000 to 95516999999 totally 1,000,000 telephone number like this.DNA system (1) wants another setting formula telephone number (8) of registered user oneself simultaneously, the user uses the phone of this telephone number (8) the DNA system (1) that dials, just can set and make formula by oneself, so this telephone number (8) is best and the telephone number of user's mobile phone (3) is inequality, the Work Telephone number of user's home phone number or company for example, also can be the telephone number (8) of another mobile phone of user oneself, so just not be afraid of when losing mobile phone (3) and made by oneself formula by people's change.

In this example, major number is an example with the five digit number, and the N bit digital of making formula by oneself is an example with six still, but is not limited to this setting.

Next, the user uses registered for setting the phone of making formula telephone number (8) by oneself, the DNA system that dials (1), the telephone number of dialing is exactly the formula of making by oneself of change formula major number+six bit digital, for example changing the formula major number is 95516, making formula by oneself is 541236, and the telephone number of then dialing is exactly: 95516-541236, hanging wire immediately after putting through.DNA system (1) finds user's account number from the caller ID (8) of incoming call, from six bit digital of the telephone number back dialed find the user new make formula by oneself, immediately that this is the new formula of making by oneself is stored in the system, utilizes next time for the user.

Shown in the comprehensive front, make the change of formula by oneself and adopt following G group step,

Set up change to make the formula phone by oneself in the G1.DNA system (1), preceding M position is the change formula major number of fixing, and N position, back is a numeral of making formula to user's change by oneself, and the user registers one and sets formula telephone number (8) in DNA system (1),

When G2. the user will change it and makes formula by oneself, set the phone of formula with telephone number (8) with it, the telephone number of dialing " preceding M position is that the change formula major number of fixing adds the numeral that the N position is newly made formula by oneself " is to DNA system (1),

G3.DNA system (1) finds user's account number from the telephone number (8) of incoming call, from the N bit digital of the telephone number back dialed find the user new make formula by oneself, with this new making by oneself in the record that formula is stored in the account of respective user in the system, utilize next time immediately for the user.

In this example, M is 95516 of a five digit number.

The change of making formula by oneself of present embodiment also can be adopted following H group step,

Set up in the H1.DNA system (1) and handle the relevant formula that the USSD information of formula is made in change by oneself, and specify a change to make the form of the USSD information of formula by oneself, the composition of described USSD information comprises that USSD access code and user make the numeral of formula by oneself,

When H2. the user will change it and makes formula by oneself, set the mobile phone of formula with telephone number (8) with it, with the numeral of newly making formula by oneself set by step the form of the specified USSD information of H1 will newly make formula by oneself with USSD information digital delivery to DNA system (1),

H3.DNA system (1) finds user's account number from the source telephone number (8) of USSD information, from the content of USSD information find the user new make formula by oneself, with this new making by oneself in the record that formula is stored in the account of respective user in the system, utilize next time immediately for the user.

Consult Figure 10, Figure 10 is in the system and method for the present invention, and the user sets the key diagram of step of the upper limit amount of money of payment.That is,

Further improvement of the present invention is the upper limit amount of money that the user can set payment, and before swiping the card, the user DNA system (1) that makes a telephone call to earlier sets the upper limit amount of money of payment at every turn, and establishing method is as follows, is to use to dial the upper limit amount of money that the dynamic telephone number is set payment.

At first DNA system (1) sets up upper limit amount of money hotline, for example apply for the telephone number of one 11 bit digital to telephone operator, the front five digit number is the upper limit amount of money hot line major number of fixing, for example 95517, the scope of telephone number from 95517000000 to 95517999999 totally 1 like this, 000,000 telephone number.

Following step is:

1. the user uses the dial upper limit amount of money hot line of DNA system (1) of the mobile phone (3) of oneself, the telephone number of dialing is exactly the upper limit amount of money of upper limit amount of money hot line major number+six bit digital, for example upper limit amount of money hot line major number is 95517, the upper limit amount of money is 2,500 yuan, the telephone number of then dialing is exactly: 95517-002500, hanging wire immediately after putting through.DNA system (1) finds user's mobile phone (3) telephone number and user's account number from caller ID, the upper limit amount of money from six bit digital of the telephone number back dialed find the user to set is stored in this upper limit amount information in the record of the account number of respective user in the system immediately.The user is interior (for example in 5 minutes) at the appointed time, make the payment that once is no more than the upper limit amount of money, and for example consumption swipes the card, ATM withdraws the money, transfer accounts etc.At the appointed time, the information of this upper limit amount of money will be deleted automatically, and the user will reset the upper limit amount of money could bankcard consumption.

Following step is the step of consumption payment when having adopted the new upper limit amount of money, is example to go up the bankcard consumption payment at POS machine (5).

2. the user uses his debit card (4) consumption payment in this fixed time, and Payment Information comprises that debit card (4) card number, password, the amount of money etc. are sent to bank computer center (2) and DNA system (1) by POS machine (5),

3.DNA system (1) finds the stored upper limit amount information of step 1 in the above from debit card (4) card number, and check current payment and whether surpass the upper limit amount of money, and with result notification bank computer center (2),

4. after bank computer center (2) are checked the errorless and payment of Payment Information (comprising card number, account balance etc.) and are no more than the upper limit amount of money, send the affirmation Trading Authorization to POS machine (5),

5. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Also can adopt following step 1, replace the method for the capping amount of money in the above-mentioned steps 1, the upper limit amount of money is sent to DNA system (1) with USSD information,

1. the user uses the USSD information format of the mobile phone (3) of oneself with appointment, the upper limit amount of money is sent to DNA system (1), the composition of described USSD information comprises the USSD access code and the upper limit amount of money, for example the USSD access code is * 95517*, the upper limit amount of money is 2,500 yuan, then USSD information is exactly: * 95517*002500*, DNA system (1) finds user's mobile phone (3) telephone number and user's account number from the source telephone number of USSD information, the upper limit amount of money from the USSD information content finds the user to set is stored in this upper limit amount information in the record of the account number of respective user in the system immediately.The user is interior (for example in 5 minutes) at the appointed time, make the payment that once is no more than the upper limit amount of money, and for example consumption swipes the card, ATM withdraws the money, transfer accounts etc.At the appointed time, the information of this upper limit amount of money will be deleted automatically, and the user will reset the upper limit amount of money could bankcard consumption.

Put it briefly,, in the step of user before payment, increase the following I group step of the upper limit amount of money of setting up payment about in the system and method for the present invention,

Set up upper limit amount of money phone in the I1.DNA system (1), preceding P position is the upper limit amount of money major number of fixing, and Q position, back is the payment upper limit amount of money that the user sets up,

When I2. the user set up the upper limit amount of money, the telephone number of dialing " preceding P position is the upper limit amount of money major number of fixing, and adds that Q position, back is the upper limit amount of money " with its mobile phone (3) was to DNA system (1),

I3.DNA system (1) finds user's mobile phone (3) telephone number and account number from caller ID, the upper limit amount of money that finds the user to set from the Q bit digital of the telephone number back dialed, immediately this upper limit amount information is stored in the record of the account of respective user in the system, in the time of appointment, utilizes for the user.

In the above in the step of I1 to I3, the fixing upper limit amount of money major number in P position is 95517 five digit number, and Q is six the upper limit amount of money, is 2500 yuan in this example, during six of insufficient in amounts, supplies six in amount of money front with 0, promptly is 002500.

Also can adopt the J group step of the following upper limit amount of money of setting up payment, all can realize system and method for the present invention well,

Set up the relevant formula of handling upper limit amount of money USSD information in the J1.DNA system (1), the composition of described upper limit amount of money USSD information comprises the USSD access code and the upper limit amount of money,

When J2. the user set up the upper limit amount of money, the USSD information of US SD access code and the upper limit amount of money being formed with its mobile phone (3) was sent to DNA system (1),

J3.DNA system (1) finds user's mobile phone (3) telephone number and account number from the source telephone number of USSD information, know the USSD information of setting up the upper limit amount of money from the USSD access code of the content of USSD information, the upper limit amount of money that partly finds the user to set from the upper limit amount of money of the content of USSD information, immediately this upper limit amount information is stored in the record of the account of respective user in the system, in the time of appointment, utilizes for the user.

The example of Figure 10 has clearly illustrated about setting up the method step of the upper limit amount of money, and how to have utilized.

Consult Figure 11, Figure 11 is in the system and method for the present invention, the example of the amount of money of SC service ceiling simultaneously and transmission sign indicating number.Specifying as followsly, is to have adopted the user promptly to block main to describe for example with money card (4) payment of swiping the card on POS machine (5).

Step 1. user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account number (comprising debit card (4), credit card (4), the card of withdrawing the money (4), bank account etc.) by oneself.Before the bankcard consumption payment, the user uses the dial upper limit amount of money hot line of DNA system (1) of the mobile phone (3) of oneself, the telephone number of dialing is exactly the upper limit amount of money of upper limit amount of money hot line major number+six bit digital, for example upper limit amount of money hot line major number is 95517, the upper limit amount of money is 2,500 yuan, the telephone number of then dialing is exactly: 95517-002500, hanging wire immediately after putting through.DNA system (1) finds user's mobile phone (3) telephone number and user's account number from caller ID, the upper limit amount of money from six bit digital of the telephone number back dialed find the user to set is stored in this upper limit amount information in the record of the account number of respective user in the system immediately.The user is interior (for example in 5 minutes) at the appointed time, make the payment that once is no more than the upper limit amount of money, and for example consumption swipes the card, ATM withdraws the money, transfer accounts etc.At the appointed time, the information of this upper limit amount of money will be deleted automatically, and the user will reset upper limit amount of money ability bankcard consumption,

Step 2. user uses his debit card (4) consumption payment in this fixed time, Payment Information comprises that (not comprising password) such as debit card (4) card number, the amount of money be sent to bank computer center (2) and DNA system (1) by POS machine (5),

Step 3.DNA system (1) finds user's mobile phone (3) telephone number and in the stored upper limit amount information of step 1, if the payment of swiping the card specifically is no more than the upper limit amount of money, just beats user's mobile phone (3) telephone number immediately from debit card (4) card number,

Step 4. user sees it is the incoming call of DNA system (1) from caller identification, and last 6 bit digital of caller identification number are swiped the card silver-colored yard exactly, agree after answering to pay the bill and just upward press the transmission sign indicating number at mobile phone (3),

Step 5.DNA system (1) with the user make by oneself formula will transmit the sign indicating number be reduced to bank cipher, then bank cipher is sent back bank computer center (2),

Step 6. bank computer center (2) check bank cipher, account balance and data errorless after, send the affirmation Trading Authorization to POS machine (5),

Step 7.POS machine (5) is sent confirmation back to bank computer center (2), confirms to have received the affirmation Trading Authorization that bank (2) sends,

Step 8. bank computer center (2) is issued user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

Consult Figure 12, Figure 12 is in the system and method for the present invention, is applied in the embodiment key diagram of Web bank's service of website of bank.In embodiment, make the formula method by oneself in conjunction with the change that transmits sign indicating number and Fig. 9, realize the authentication of Web bank's service, adopt to comprise following K group step,

K1. the user at first sets mobile phone (3) telephone number and the bank account number of making formula by oneself in DNA system (1) registration, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account and so on, when the user will use his money card such as after debit card (4) logining website of bank (9) and advance to go up Web bank's service, before transaction, use the setting of oneself to make the mobile phone (3) that formula is used by oneself, the telephone number of dialing " preceding M position is that the change formula major number of fixing adds the numeral that the N position is made formula by oneself " is to DNA system (1), put through the information of the back input upper limit amount of money, DNA system (1) finds user's account number from the telephone number (8) of incoming call, find user's the formula of making by oneself from the N bit digital of the telephone number back dialed, immediately with the upper limit amount of money of user input with make by oneself in the record that formula is stored in the account of respective user in the system, the user puts through the upper limit amount information of phone input and the formula of making by oneself that sets at every turn, only at the appointed time, carry out Web bank's service transacting use, stored upper limit amount information can be deleted automatically with the formula of making by oneself that sets after surpassing the fixed time

K2. the user at the appointed time in, transmit sign indicating number by Internet device (6) in website of bank (9) input, will transmit and yard deliver to bank computer center (2) by website of bank (9),

K3. bank computer center (2) deliver to DNA system (1) with debit card (4) card number and transmission sign indicating number,

The data such as the upper limit amount of money that K4.DNA system (1) finds the user to send before from debit card (4) card number, check the upper limit amount of money errorless after, immediately with the user set make by oneself formula will transmit the sign indicating number be reduced to bank cipher, then bank cipher is sent back bank computer center (2)

K5. bank computer center (2) check the affirmation transaction of the errorless back of bank cipher, account balance and data, and by the success of website of bank (9) notice customer transaction,

K6. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), the success of notice customer transaction.

In the present embodiment, also can adopt to comprise following L group step, the main setting to DNA system (1) with mobile phone (a 3) USSD information of card made formula by oneself, all can realize system and method for the present invention well,

L1. the user at first sets mobile phone (3) telephone number and the bank account number of making formula by oneself in DNA system (1) registration, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account and so on, when the user will use his money card such as after debit card (4) logining website of bank (9) and advance to go up Web bank's service, before transaction, use the setting of oneself to make the mobile phone (3) that formula is used by oneself, to make the numeral of formula and upper limit amount of money data transmission by oneself to DNA system (1) with USSD information, for example the USSD access code is * 95518*, making formula by oneself is 124521, the upper limit amount of money is 2,500 yuan, then USSD information is exactly * 95518*124521*2500#, DNA system (1) finds user's account number from the source telephone number (8) of USSD information, find from the content of USSD information that the user's make the formula and the upper limit amount of money by oneself, to make the formula and the upper limit amount of money immediately by oneself is stored in the record of the account of respective user in the system, the user sends out the upper limit amount information of USSD information setting at every turn and makes formula by oneself, only at the appointed time, carry out Web bank's service transacting use, stored upper limit amount information can be deleted automatically with the formula of making by oneself that sets after surpassing the fixed time, or use the mode of sending short messages, the information of making the formula and the upper limit amount of money by oneself is sent to DNA system (1)

L2. the user at the appointed time in, transmit sign indicating number by Internet device (6) in website of bank (9) input, will transmit and yard deliver to bank computer center (2) by website of bank (9),

L3. bank computer center (2) deliver to DNA system (1) with debit card (4) card number and transmission sign indicating number,

The data such as the upper limit amount of money that L4.DNA system (1) finds the user to send before from debit card (4) card number, check the upper limit amount of money errorless after, immediately with the user set make by oneself formula will transmit the sign indicating number be reduced to bank cipher, then bank cipher is sent back bank computer center (2)

L5. bank computer center (2) check the affirmation transaction of the errorless back of bank cipher, account balance and data, and by the success of website of bank (9) notice customer transaction,

L6. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), the success of notice customer transaction.

More than each embodiment system and method for the present invention clearly has been described, mainly be that bank cipher is adopted the method that is divided into two, bank cipher is converted into makes formula by oneself and transmit sign indicating number, be sent to DNA system (1) then, to make formula by oneself and transmit sign indicating number by DNA system (1) again and unite two into one, restore bank cipher, and to make formula by oneself be to be sent to DNA system (1) by different approaches with transmitting sign indicating number, so as safe as a house reliable.

Transmission sign indicating number technical solution of the present invention; be not limited to transmit the telecommunication transmission mode of sign indicating number; all are existing; the present telecommunication transmission mode of using; so long as by explanation of the present invention; use and transmit sign indicating number; just belong to protection scope of the present invention; for example; use present mobile communication; belong to protection scope of the present invention; for example use the transmission of so-called USSD (being the mobile telephone network technology of Unstructured Supplementary Service Data-" the unstructured supplementary data traffic ") communication technology to transmit sign indicating number, all belong to protection scope of the present invention, again for example; use present SMS (SMS) or multimedia message (MMS) communication, all belong to protection scope of the present invention.

Enforcement of the present invention can bring good social benefit and huge economic interests, and it is shopping online, teleshopping, Web bank and with the super safety assurance of payment systems such as card.

Claims

1. a user utilizes the money cartoon to cross the safe payment method that telecommunication means is carried out, and in the described method, has adopted and has transmitted sign indicating number and the main own mobile phone (3) that adopts of card sends the step that transmits sign indicating number, and described transmission sign indicating number is combined with bank cipher and constituted by the main formula of making by oneself of card,

The wherein said formula of making by oneself constitutes by the N bit digital or by letter and number, and letter wherein can be endowed predetermined connotation, and corresponding numeral, makes to make formula by oneself and finally show as the N bit digital.

2. safe payment method according to claim 1, it is characterized in that, the described formula of making by oneself is determined voluntarily by the user, and be stored in the digital network mandate DNA system (1), the user can revise at any time and make formula by oneself, determine the new formula of making by oneself, and the new formula of making by oneself is stored in the DNA system (1) before use.

3. safe payment method according to claim 1 is characterized in that, the described sign indicating number that transmits is made of main the making formula and bank cipher addition by oneself or subtract each other of card.

4. as safe payment method as described in claim 1 or 2 or 3, described method comprises following A group step, be the user when on POS machine (5), swiping the card payment with mobile phone (3) by the step that transmits the sign indicating number confirmation method,

A1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account and money card (4) number by oneself, comprise debit card, credit card, the money card and the account number of the card of withdrawing the money, bank account, when using his debit card (4), the user consumes when POS machine (5) is paid the bill, the Payment Information of password will do not comprised, comprise debit card (4) card number, amount information, be sent to bank computer center (2) and DNA system (1) by POS machine (5)

A2.DNA system (1) finds user's mobile phone (3) telephone number from debit card (4) card number, dials user's mobile phone (3) telephone number immediately,

A3. the user sees it is the incoming call of DNA system (1) from mobile phone (3) caller identification, and the last N bit digital of the caller identification number amount of money of swiping the card is exactly answered the back and agreed that payment just goes up by transmitting yard at mobile phone (3),

5. as safe payment method as described in claim 1 or 2 or 3, described method comprises following B group step, is that the user uses unstructured supplementary data traffic USSD technology with mobile phone (3) when swiping the card payment on POS machine (5), by the step that transmits the sign indicating number confirmation method,

B1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account and money card (4) number by oneself, comprise debit card, credit card, the money card and the account number of the card of withdrawing the money, bank account, when using his debit card (4), the user consumes when POS machine (5) is paid the bill, the Payment Information of password will do not comprised, comprise debit card (4) card number, amount information, be sent to bank computer center (2) and DNA system (1) by POS machine (5)

B3. the user sees it is the USSD information of being sent from DNA system (1) from mobile phone (3), and the information content comprises the amount of money of swiping the card, and agrees that payment just goes up by transmitting sign indicating number at mobile phone (3), will transmit yard to pass DNA system (1) back by the USSD information mode,

6. as safe payment method as described in claim 1 or 2 or 3, described method comprises following C group step, is that the user does shopping and/or during teleshopping on the net, and card is main uses mobile phone (3) DNA system (1) input of dialing to transmit the C group step of sign indicating number in advance,

C1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account number by oneself, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account, when will using his debit card (4), the user does shopping on the net and/or during teleshopping, use oneself mobile phone (3) the DNA system (1) that dials before the payment, put through the back input and comprise the transmission sign indicating number, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random, DNA system (1) finds user's debit card (4) card number from caller ID, transmission sign indicating number with user's input, the information storage of the upper limit amount of money and the sign indicating number of withdrawing cash at random is in system, the user puts through the transmission sign indicating number of phone input at every turn, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random is only for the usefulness of once swiping the card, wherein, the sign indicating number of withdrawing cash at random is the fixed upright coding of user oneself, wherein use the mode of sending short messages, to transmit sign indicating number, the information of the upper limit amount of money and the sign indicating number of withdrawing cash at random is sent to DNA system (1)

C7. bank computer center (2) issue user's mobile phone (3) with transaction data with note by DNA system (1), and notice customer transaction and payment are finished.

7. as safe payment method as described in claim 1 or 2 or 3, described method comprises following D group step, is that the user does shopping and/or during teleshopping on the net, and card is main to be used mobile phone (3) to send out USSD information to transmit the D group step of sign indicating number to DNA system (1) input in advance,

D1. the user at first sets in DNA system (1) and makes formula and registration mobile phone (3) telephone number and bank account number by oneself, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account, when will using his debit card (4), the user does shopping on the net and/or during teleshopping, the mobile phone (3) that uses oneself before the payment is to send out the USSD information mode, to transmit sign indicating number, the upper limit amount of money and the sign indicating number of withdrawing cash at random send to DNA system (1), DNA system (1) finds user's debit card (4) card number from the source telephone number of USSD information, the USSD information of receiving is comprised the transmission sign indicating number, the information storage of the upper limit amount of money and the sign indicating number of withdrawing cash at random is in system, the user is each to send described USSD information only for the usefulness of once swiping the card, wherein, the sign indicating number of withdrawing cash at random is the fixed upright coding of user oneself

8. as safe payment method as described in claim 1 or 2 or 3, described method comprises following E group step,

E2. the user uses his debit card (4) consumption payment during this predetermined number minute is unblanked, Payment Information comprises that debit card (4) card number, password, the amount of money etc. are sent to bank computer center (2) by POS machine (5), the locking state of this debit card (4) card number is inquired about at bank computer center (2) to DNA system (1)

9. as safe payment method as described in claim 1 or 2 or 3, described method comprises following F group step,

F2. the user uses his debit card (4) consumption payment during this predetermined number minute is unblanked, Payment Information comprises that debit card (4) card number, password, the amount of money etc. are sent to bank computer center (2) by POS machine (5), the locking state of this debit card (4) card number is inquired about at bank computer center (2) to DNA system (1)

10. as safe payment method as described in claim 1 or 2 or 3, it is characterized in that, described institute in steps before, increase the user and make the unblank step of the schedule time of its bank account by DNA system (1).

11. as safe payment method as described in claim 1 or 2 or 3, wherein, make the change of formula by oneself and adopt following G group step,

12. as safe payment method as described in claim 1 or 2 or 3, wherein, make the change of formula by oneself and adopt following H group step,

When H2. the user will change it and makes formula by oneself, set the mobile phone of formula with telephone number (8) with it, with the numeral of newly making formula by oneself the form of the specified USSD information of H1 set by step, the digital delivery that will newly make formula with USSD information by oneself is to DNA system (1),

13. as safe payment method as described in claim 1 or 2 or 3, wherein, in the step of user before payment, increase the following I group step of the upper limit amount of money of setting up payment,

14. as safe payment method as described in claim 1 or 2 or 3, wherein, in the step of user before payment, increase the following J group step of the upper limit amount of money of setting up payment,

When J2. the user set up the upper limit amount of money, the USSD information of USSD access code and the upper limit amount of money being formed with its mobile phone (3) was sent to DNA system (1),

15. as safe payment method as described in claim 1 or 2 or 3, described method comprises following K group step,

K1. the user at first sets mobile phone (3) telephone number and the bank account number of making formula by oneself in DNA system (1) registration, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account, when the user will use his money card such as after debit card (4) logining website of bank (9) and advance to go up Web bank's service, before transaction, use the setting of oneself to make the mobile phone (3) that formula is used by oneself, the telephone number of dialing " preceding M position is that the change formula major number of fixing adds the numeral that the N position is made formula by oneself " is to DNA system (1), put through the information of the back input upper limit amount of money, DNA system (1) finds user's account number from the telephone number (8) of incoming call, find user's the formula of making by oneself from the N bit digital of the telephone number back dialed, immediately with the upper limit amount of money of user input with make by oneself in the record that formula is stored in the account of respective user in the system, the user puts through the upper limit amount information of phone input and the formula of making by oneself that sets at every turn, only at the appointed time, carry out Web bank's service transacting use, stored upper limit amount information can be deleted automatically with the formula of making by oneself that sets after surpassing the fixed time

16. as safe payment method as described in claim 1 or 2 or 3, described method comprises following L group step,

L1. the user at first sets mobile phone (3) telephone number and the bank account number of making formula by oneself in DNA system (1) registration, comprise debit card, credit card, the card of withdrawing the money, the money card (4) and the account number of bank account, when the user will use his money card such as after debit card (4) logining website of bank (9) and advance to go up Web bank's service, before transaction, use the setting of oneself to make the mobile phone (3) that formula is used by oneself, to make the numeral of formula and upper limit amount of money data transmission by oneself to DNA system (1) with USSD information, DNA system (1) finds user's account number from the source telephone number (8) of USSD information, find from the content of USSD information that the user's make the formula and the upper limit amount of money by oneself, to make the formula and the upper limit amount of money immediately by oneself is stored in the record of the account of respective user in the system, the user sends out the upper limit amount information of USSD information setting at every turn and makes formula by oneself, only at the appointed time, carry out Web bank's service transacting use, stored upper limit amount information can be deleted automatically with the formula of making by oneself that sets after surpassing the fixed time, or use the mode of sending short messages, the information of making the formula and the upper limit amount of money by oneself is sent to DNA system (1)

17. a user utilizes the safe payment method of above-mentioned each claim to carry out the system of secure payment, described system comprises DNA system (1), bank computer center (2), user mobile phone (3), user's money card (4), and,

POS machine (5), and/or