CN101667276A - Bank payment confirmation system and confirmation method thereof - Google Patents
Bank payment confirmation system and confirmation method thereof Download PDFInfo
- Publication number
- CN101667276A CN101667276A CN200910164350A CN200910164350A CN101667276A CN 101667276 A CN101667276 A CN 101667276A CN 200910164350 A CN200910164350 A CN 200910164350A CN 200910164350 A CN200910164350 A CN 200910164350A CN 101667276 A CN101667276 A CN 101667276A
- Authority
- CN
- China
- Prior art keywords
- bank
- short message
- client
- sms confirmation
- 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.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a bank payment confirmation system, comprising a client cellphone, a short message communication system, a bank information transmitting system, a bank business system, a bankbusiness processing terminal and a bank short message confirmation system. Information interaction of short message password confirmation is performed between the client cellphone and the bank short message confirmation system by the short message communication system and the bank information transmitting system; the bank business system controls the bank business processing terminal to perform corresponding operation according to the information interaction result of the client cellphone and the bank short message confirmation system. According to the above system, the invention also discloses a confirmation method for the bank payment confirmation system, which realizes multiple safe control on the bank payment by a secondary password and a short message reply to confirm the password, thus greatly improving safe performance of the bank payment system and avoiding possible economic losses caused by losing of bank cards or credit cards.
Description
Technical field
The present invention relates to a kind of bank debits operating system, specifically, relate to the bank paying affirmation system that a kind of needs confirm phone.
Background technology
At present, the banking system of China belongs to the system of a relative closure, and it has independently professional function mode, security system, and the various auxiliary facilities that belong to self, through country's regulation and control and self-growth in decades, possessed complete and comparatively safe operating mode.Now, since online e-bank, Credit Card Payments, third party's payment, the appearance of various novel business such as online payment, cause bank client not need to go to bank outlets just can handle anywhere, payment is transferred accounts, the consumption clearing, pay on behalf professionally, buy foreign exchange and sell the various traditional businesses that must just can handle at bank counter such as remittance, this has just proposed stern challenge to the traditional safe mode of banking system.
How provide better service for the user, improve the popularity of bank, become the development priority of bank, bank has done a large amount of work in many aspects, many new business, new system have been increased at the user, but along with the development of infotech, and other each commercial bank's keen competitions, information-based, omnibearing business service pattern are also constantly being sought by each bank.
The note technology of informing in real time is that bank establishes strong quality brand, also provides many convenience for bank client.But this kind mode can not effectively be stopped the stolen phenomenon of bank card (particularly credit card), and therefore, it is just inevitable to cause damage because of bank card or credit card are stolen.
Summary of the invention
The object of the present invention is to provide a kind of bank paying to confirm system, overcome prior art problems, avoid losing and fund occurs, improve the security of using bank card by the risk that others extracts because of bank card.
To achieve these goals, the technical solution used in the present invention is as follows:
Bank paying is confirmed system, comprise client's mobile phone, short message communication system, bank information transmission system, banking system, banking processing terminal and bank short message affirmation system, client's mobile phone carries out the information interaction of SMS confirmation password by short message communication system, bank information transmission system and bank short message affirmation system, and banking system confirms that according to client's mobile phone and bank short message the information interaction result of system controls the banking processing terminal and carries out corresponding operating.
Described short message communication system is a mobile communication system.
Preset password when client's phone number that described SMS confirmation password is handled by bank counter for the client and bank card binding.
Bank paying is confirmed the confirmation method of system, comprise the steps: that a. client handles client's phone number and bank card binding business by bank counter when handling new bank card, bank card password, SMS confirmation password, SMS confirmation password turnaround time are set simultaneously and reply number of times, or in the bank card use, handle client's phone number and bank card binding business by bank counter, SMS confirmation password, SMS confirmation password turnaround time are set simultaneously and reply number of times; B. the client proposes Payment Request to banking processing terminal input bank card password, and bank short message confirms that system sends the SMS confirmation password by the short message communication system to the phone number with bank card binding and replys request when importing dealing money and confirming; C. client's mobile phone is sent to bank information transmission system with short message mode by the short message communication system with predefined SMS confirmation password, and the bank information transmission system transfers to bank short message with the short message of receiving and confirms system; D. bank short message confirms that SMS confirmation password that system replys client's mobile phone with whether consistent with the default SMS confirmation password of the bank card of this handset binding, if consistent, then carry out the operation of withdrawing the money, otherwise then withdrawing the money of client operated termination, Fail Transaction.
Also be provided with the timer sum counter in the described bank short message affirmation system, timer sends the request of replying of SMS confirmation password from bank short message affirmation system and picks up counting, till receiving the SMS confirmation password, if bank short message affirmation system receives that the time of SMS confirmation password is less than or equal to default SMS confirmation password turnaround time, then timer zero clearing, stop timing, and whether the SMS confirmation password of relatively receiving is consistent with default SMS confirmation password, if both unanimities, then carry out delivery operation, otherwise, then delivery operation failure; If bank short message affirmation system receives that the time of SMS confirmation password is greater than default SMS confirmation password turnaround time, whether the counting of checking counter is greater than default answer number of times, if be not more than default answer number of times, then timer zero clearing, bank short message confirms that system sends the SMS confirmation password again and replys request, timer restarts timing, counter adds 1 automatically, and then carry out turnaround time and reply the comparison of number of times, when the counting of counter during greater than the answer number of times of default SMS confirmation password, bank short message affirmation system stops to send the SMS confirmation password and replys request, the whole zero clearings of timer sum counter, Fail Transaction.
In client's answer short message is confirmed cryptographic processes, the display interface of banking processing terminal show timer writing time sum counter the record number of times.
The present invention is primarily aimed at non-over-the-counter trading, withdraw the money as ATM, the POS machine is swiped the card, is transferred accounts, situations such as online payment, therefore, banking terminal processing system described in the present invention mainly is meant the equipment or the system of client's direct control, as ATM cash dispenser, Web bank's payment system, POS machine or the like.Bank can inquire about the details of the reception and the information of transmission at any time, but can not revise and delete the information that sends.Advantage of the present invention mainly is:
1. along with the development of infotech, the lawless person can not enter bank fully, by bank card duplicate, steal payment that the password of withdrawing the money etc. carries out, withdraw the money, illegal activity such as overdraw, this is that present bank safety system institute is helpless.Yet the appearance of more new new business will inevitably cause the unsafe factor of more disengaging controls to occur.The present invention is applied to the bank finance security fields with mobile communication technology, make bank, bank client obtain more safety guarantee, client's bank account information has any change all to need client's SMS confirmation to realize, thereby makes the fund security of bank client obtain effective guarantee.
2. the technical solution used in the present invention is not subjected to the restriction in region, time, space, as long as the cellphone subscriber is in the scope of communication network is arranged under the open state, can receive short message.
3. send to the user from bank and receive that short message only needs several seconds, the client only need spend the answer that little time just can be finished the SMS confirmation password, and whole SMS confirmation work is all finished automatically by system, neither can take the extra time of client, also can not increase the workload of bank.
4. the restriction of double code and turnaround time and number of times, effectively the delinquency prevention molecule carries out high iq crimes such as code breaking, can more effectively ensure the safety of client's amount of money, allows the user feel more relieved.
5. easy and simple to handle, be easy to safeguard, can realize simultaneously a plurality of accounts being carried out transmission, reception and the password confirming of different SMS confirmation passwords, compare the artificial single operation of sales counter to list, efficient improves greatly.
6. client's less investment, at the bottom of the cost, and the effect that Account Security ensures is very obvious.
Description of drawings
Fig. 1 is a system chart of the present invention.
Fig. 2 is a basic flow sheet of the present invention.
Embodiment
Embodiment 1
Newly setting up bank card and withdraw the money on ATM with the client is that example describes basic process of the present invention.
At first the client handles new bank card on bank counter, and it is professional to handle the binding of bank card and phone number, set bank card password and SMS confirmation password simultaneously, and the turnaround time of SMS confirmation password and answer number of times, and be stored in the bank short message affirmation system.
When the client uses bank card to withdraw the money, behind the prompting input bank card password and the amount of money of withdrawing the money, enter the SMS confirmation stage on ATM.At this moment, bank short message confirms that system sends the SMS confirmation password to the phone number with this bank card binding and replys request, after client's mobile phone is received the answer request that short heart affirmation system of bank sends over, confirms that to bank short message system's answer short message confirms password.In sending from the request of replying of SMS confirmation password, the timer of establishing in the bank short message affirmation system picks up counting, and counter is started working, till the SMS confirmation password is received by bank short message affirmation system.If receive that the time of SMS confirmation password is less than or equal to default SMS confirmation password turnaround time, then bank short message confirms that system compares SMS confirmation password of receiving and the SMS confirmation password of presetting, if both unanimities, then control ATM and carry out the operation of withdrawing the money, withdraw the money successfully, otherwise, the failure of then withdrawing the money, bank card withdraws from; If bank short message affirmation system receives that the time of SMS confirmation password is greater than default SMS confirmation password turnaround time, then check the data of record in the counter, if being less than or equal to default SMS confirmation password, the data in the counter reply number of times, then bank short message affirmation system resends the SMS confirmation password and replys request, counter adds 1 automatically, and then carry out turnaround time and reply the comparison of number of times, if the data in the counter are replied number of times greater than default SMS confirmation password, the failure of then withdrawing the money, bank card withdraws from.
In the SMS confirmation stage, show the turnaround time of SMS confirmation password on the display interface of ATM cash dispenser in real time and reply number of times, to give the prompting on the client visual angle.Whether no matter withdraw the money successful, after the program of withdrawing the money is finished at every turn, and the whole zero clearings of timer sum counter, next time, the timer sum counter was all started from scratch when withdrawing the money.The client can set the time and the number of times of the SMS confirmation password answer that is fit to oneself voluntarily at bank counter, and can inquire about to bank counter at any time.Bank can only inquire about the relevant information of bank card, can not change, delete it voluntarily.
By the setting of bank card two-pass cipher and SMS confirmation password turnaround time and number of times, can reduce the stolen risk of bringing of bank card effectively, the delinquency prevention molecule carries out high iq crimes such as code breaking, improves the security that bank card uses.
Embodiment 2
The present invention will be described as example to use just in use credit card to carry out online payment with the client.
The client at first need to handle the binding of credit card and phone number on the card bank counter professional opening, and sets the SMS confirmation password, and turnaround time of SMS confirmation password and reply number of times, and bank short message confirms that system preserves above-mentioned presupposed information.
When the client uses credit card to carry out online payment, according to prompting input credit card password and payment, enter the SMS confirmation stage then earlier, wait for that bank short message affirmation system sends the SMS confirmation password and replys request.Bank short message confirms that system enters SMS confirmation after the stage at this credit card, sends the SMS confirmation password to the phone number with this credit card binding and replys request, and timer picks up counting, and counter is started working.After client's mobile phone received that the SMS confirmation password is replied request, answer short message was confirmed password as early as possible.If bank short message affirmation system receives that the time of SMS confirmation password is less than or equal to default turnaround time, then SMS confirmation password of receiving and the SMS confirmation password of presetting are compared, if both are in full accord, then control banking system and carry out the online payment program, the online payment success, otherwise, then online payment failure; If bank short message affirmation system receives that the time of SMS confirmation password is greater than default turnaround time, whether the counting of then checking counter is greater than default answer number of times, if be not more than default answer number of times, then bank short message confirms that system sends the SMS confirmation password again and replys request, counter adds 1 automatically, and then the turnaround time and answer number of times of comparing the SMS confirmation password according to above-mentioned steps, if the counting of counter is greater than default answer number of times, then bank short message affirmation system stops to send SMS confirmation password answer request, online payment failure.
Whether successfully no matter pay, after each payment program is finished, the whole zero clearings of timer sum counter, next time, the timer sum counter was all started from scratch when paying.
From above-mentioned two examples as can be seen, even bank card or credit card are lost, even the password of bank card or credit card is stolen, and the offender does not have client's mobile phone owing to there is not the SMS confirmation password, can not successfully steal the amount of money on bank card or the credit card.Compare with existing bank payment system, security of the present invention improves greatly, and client's cost can not increase basically, and the workload of bank also can not increase, and is the fairly obvious bank payment system of a kind of advantage.
Claims (6)
1. bank paying is confirmed system, it is characterized in that, comprise client's mobile phone, short message communication system, bank information transmission system, banking system, banking processing terminal and bank short message affirmation system, client's mobile phone carries out the information interaction of SMS confirmation password by short message communication system, bank information transmission system and bank short message affirmation system, and banking system confirms that according to client's mobile phone and bank short message the information interaction result of system controls the banking processing terminal and carries out corresponding operating.
2. bank paying according to claim 1 is confirmed system, it is characterized in that, described short message communication system is a mobile communication system.
3. bank paying according to claim 1 is confirmed system, it is characterized in that the preset password when client's phone number that described SMS confirmation password is handled by bank counter for the client and bank card binding.
4. bank paying is confirmed the confirmation method of system, it is characterized in that, comprises the steps:
A. the client handles client's phone number and bank card binding business by bank counter when handling new bank card, bank card password, SMS confirmation password, SMS confirmation password turnaround time are set simultaneously and reply number of times, or in the bank card use, handle client's phone number and bank card binding business by bank counter, SMS confirmation password, SMS confirmation password turnaround time are set simultaneously and reply number of times;
B. the client proposes Payment Request to banking processing terminal input bank card password, and bank short message confirms that system sends the SMS confirmation password by the short message communication system to the phone number with bank card binding and replys request when importing dealing money and confirming;
C. client's mobile phone is sent to bank information transmission system with short message mode by the short message communication system with predefined SMS confirmation password, and the bank information transmission system transfers to bank short message with the short message of receiving and confirms system;
D. bank short message confirms that SMS confirmation password that system replys client's mobile phone with whether consistent with the default SMS confirmation password of the bank card of this handset binding, if consistent, then carry out the operation of withdrawing the money, otherwise then withdrawing the money of client operated termination, Fail Transaction.
5. bank paying according to claim 4 is confirmed the confirmation method of system, it is characterized in that, also be provided with the timer sum counter in the described bank short message affirmation system, timer sends the request of replying of SMS confirmation password from bank short message affirmation system and picks up counting, till receiving the SMS confirmation password, if bank short message affirmation system receives that the time of SMS confirmation password is less than or equal to default SMS confirmation password turnaround time, then timer zero clearing, stop timing, and whether the SMS confirmation password of relatively receiving is consistent with default SMS confirmation password, if both unanimities are then carried out delivery operation, otherwise, then delivery operation failure; If bank short message affirmation system receives that the time of SMS confirmation password is greater than default SMS confirmation password turnaround time, whether the counting of checking counter is greater than default answer number of times, if be not more than default answer number of times, then timer zero clearing, bank short message confirms that system sends the SMS confirmation password again and replys request, timer restarts timing, counter adds 1 automatically, and then carry out turnaround time and reply the comparison of number of times, when the counting of counter during greater than the answer number of times of default SMS confirmation password, bank short message affirmation system stops to send the SMS confirmation password and replys request, the whole zero clearings of timer sum counter, Fail Transaction.
6. bank paying according to claim 5 is confirmed the confirmation method of system, it is characterized in that, confirm in the cryptographic processes at client's answer short message, the display interface of banking processing terminal show timer writing time sum counter the record number of times.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910164350A CN101667276A (en) | 2009-09-04 | 2009-09-04 | Bank payment confirmation system and confirmation method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910164350A CN101667276A (en) | 2009-09-04 | 2009-09-04 | Bank payment confirmation system and confirmation method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101667276A true CN101667276A (en) | 2010-03-10 |
Family
ID=41803889
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910164350A Pending CN101667276A (en) | 2009-09-04 | 2009-09-04 | Bank payment confirmation system and confirmation method thereof |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101667276A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101854628A (en) * | 2010-04-27 | 2010-10-06 | 王卫东 | Password verification system and password verification method |
| CN101867485A (en) * | 2010-06-02 | 2010-10-20 | 上海顶竹通讯技术有限公司 | USB interface authentication and security control method |
| CN104021622A (en) * | 2013-03-02 | 2014-09-03 | 庄严 | Method for guard against theft of mobile telephone password encryption of bank account |
| WO2018133674A1 (en) * | 2017-01-18 | 2018-07-26 | 西安慧博习兆信息技术有限公司 | Method of verifying and feeding back bank payment permission authentication information |
-
2009
- 2009-09-04 CN CN200910164350A patent/CN101667276A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101854628A (en) * | 2010-04-27 | 2010-10-06 | 王卫东 | Password verification system and password verification method |
| CN101867485A (en) * | 2010-06-02 | 2010-10-20 | 上海顶竹通讯技术有限公司 | USB interface authentication and security control method |
| CN101867485B (en) * | 2010-06-02 | 2012-05-23 | 上海顶竹通讯技术有限公司 | USB interface authentication and security control method |
| CN104021622A (en) * | 2013-03-02 | 2014-09-03 | 庄严 | Method for guard against theft of mobile telephone password encryption of bank account |
| WO2018133674A1 (en) * | 2017-01-18 | 2018-07-26 | 西安慧博习兆信息技术有限公司 | Method of verifying and feeding back bank payment permission authentication information |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103164911B (en) | A kind of Swiping-card payment system and method | |
| CN104504562A (en) | Mobile payment method and system | |
| CN104200362A (en) | Payment processing method based on NFC smart card and mobile internet terminal | |
| CN101937539A (en) | Mobile phone payment method and system | |
| CN103366272A (en) | Method for carrying out convenient payment by using intelligent mobile phone and tablet computer | |
| CN103218713A (en) | Multifunctional POS (point-of-sale) terminal, system and payment method based on intelligent platform | |
| CN104992324A (en) | Service processing method of self-service device and service processing system of self-service device | |
| CN104463575A (en) | NFC payment communication method based on payment command | |
| CN103577979A (en) | Mobile payment system applying two-dimensional bar code and corresponding method | |
| US20090164371A1 (en) | Mobile Financial Transaction Method | |
| CN103366274A (en) | Hybrid e-commerce instant payment method | |
| US20130138519A1 (en) | Point of Sale Activation and Reload System | |
| WO2014106366A1 (en) | Nfc tag-based mobile phone payment terminal, payment method and payment system | |
| CN106960342A (en) | A kind of forming method of payment code and the method for payment based on mobile terminal | |
| US20140207668A1 (en) | Temporary Virtual Payment Systems and Methods | |
| CN107194695A (en) | Transaction code is generated and end of scan, transaction code generation and method of commerce | |
| CN103886463A (en) | Electronic commerce system and method of verifying consignee identity in corresponding distribution service | |
| CN101667276A (en) | Bank payment confirmation system and confirmation method thereof | |
| CN103049846A (en) | Mobile phone payment system built by WAPI (Wireless LAN Authentication and Privacy Infrastructure) | |
| CN101060401A (en) | The third party safety payment confirmation method controlled with the mobile phone short message | |
| CN101872513A (en) | Data processing method, device and system based on POS (Point-Of-Sale) machine | |
| CN106952088A (en) | Non-stop layer multirow shares mobile-payment system and its method of payment | |
| CN101976403A (en) | Phone number payment platform, payment trading system and method thereof | |
| CN102081768A (en) | China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming | |
| CN105976171A (en) | Bank card consumption cycled pre-authorization method and pre-authorization system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Open date: 20100310 |