CN102131164A - System for performing loan transaction service based on mobile phone short message - Google Patents
System for performing loan transaction service based on mobile phone short message Download PDFInfo
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- CN102131164A CN102131164A CN2011100267803A CN201110026780A CN102131164A CN 102131164 A CN102131164 A CN 102131164A CN 2011100267803 A CN2011100267803 A CN 2011100267803A CN 201110026780 A CN201110026780 A CN 201110026780A CN 102131164 A CN102131164 A CN 102131164A
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Abstract
The invention discloses a system for performing a loan transaction service based on a mobile phone short message. The system comprises a mobile phone provided with an intelligent IC card, a security server, a loan transaction platform, a short message access center and a bank core system, wherein the mobile phone provided with an intelligent IC consists of a client mobile phone terminal and an intelligent IC card; the load transaction service comprises card registration, actual loan withdrawing, loan repayment and information inquiry. By the system, the financial function of a financial IC card is combined with the communication function of a mobile phone communication card; the client can make the loan transaction safely and efficiently by the mobile phone short message, and the loan transaction service comprises loan withdrawing, account transfer, repayment and related information inquiry. The system has characteristics of simplicity of structure, safety of use and convenience for service.
Description
Technical field
The present invention relates to the application of a kind of mobile communication and intellective IC card technology in the bank loan service, specifically be realize functions such as bank loan application, granting and inquiry by the cell phone note carry out the service system of loan transaction based on SMS, belong to the technical field that mobile communication combines with intellective IC card.
Background technology
At present, medium-sized and small enterprises or individual are huge to the demand of petty load, and characteristics with " short, little, frequently, suddenly ", it is directly to handle or use credit card to handle to bank that general commonly used petty load is handled way, if will directly handle to bank but the client applies for petty load, the formality of each loan is loaded down with trivial details, wastes time and energy.If utilize common credit card to handle loan, there is too high, the poor stability of interest rate price again, occur defectives such as consumption arbitrage easily, and on convenient and swift property, still remain to be improved.
Therefore, press for that a kind of not only to have had a simple loan interest rate low, but also safe and reliable, simultaneously can also be than the financial service product of Web bank and Mobile banking's more convenient and quicker, middle-size and small-size business bank also needs such product to promote the marketing brand of one's own profession, improves client's viscosity of middle-size and small-size business bank, the loan origination number and the risk defensive ability/resistance ability of increase bank.In recent years, the intellective IC card technology is rapidly developed, particularly meet " China's finance integrated circuit (IC) calliper model " (2.0 editions) unified standard financial IC card in the whole nation a plurality of cities carried out pilot, but financial IC card mainly applies to contact or contactless near field payment at present, is difficult to directly be used for realizing long-range loan function.
Summary of the invention
The objective of the invention is to overcome the deficiency of above-mentioned existence, and a kind of system that carries out the loan transaction service based on SMS is provided.
The objective of the invention is to finish by following technical solution, this service system includes mobile phone, security server, debt-credit money business platform, short message that intellective IC card is housed and inserts center and core banking system; This mobile phone that intellective IC card is housed is to be made of customer mobile phone terminal, intellective IC card; Its loan transaction platform comprises:
The card registration step: the intellective IC card that the client will have " user totem information " of my identity information and card unique identifier (card UID) is loaded in the customer mobile phone terminal, and send note intellective IC card is registered, realize opening of loan application menu in the intellective IC card simultaneously;
Actual extracting loan step: the client imports trading password and loaning bill relevant information in SMS, as the borrowing balance and the life of loan, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, by being sent to core banking system after security server deciphering and the checking, core banking system puts loan fund under according to the loaning bill information of client's input the debit card account of intellective IC card correspondence again;
The step of repaying the loan: the client imports trading password and refund relevant information in SMS, as the amount of money of refunding, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, again by being sent to core banking system after security server deciphering and the checking, core banking system is checked the debit card account balance of intellective IC card correspondence, as account balance greater than the refund amount of money and interest, then loan fund is marked the debit card account, the concurrent note of money success of returning is to client's mobile phone, less than the refund amount of money and interest, the note that then sends refund unsuccessful and unsuccessful reason is to client's mobile phone as the debit card account balance;
The information inquiry step: the client sends the content that will inquire about by SMS, as my loan account remaining sum, deposit product and current enjoyable interest rate standard etc., cell phone system is sent to security server after will be automatically the information of client's input and other safety demonstration information together being encrypted, be sent to core banking system after deciphering by security server and the checking again, core banking system returns Query Result to client's mobile phone with the note form.
As preferably, described intellective IC card is to meet financial IC card of " China's finance integrated circuit (IC) calliper model " (2.0 editions) unified standard and the card that the mobile communication card unites two into one, the corresponding debit card account of intellective IC card, this account can be the debit card account of establishing in the intellective IC card or in debit card account of banking system backstage binding, simultaneously, Ka Nei also can select to set up an e-wallet account so that realize various near fields payment function; Store " user totem information " that comprise client identity information and card unique identifier (card UID) in the card.
As preferably, described security server provides functions such as unsymmetrical key management, authenticating user identification, integrity protection, Confidentiality protection, multi-bank access authentication.
As preferably, described debt-credit money business platform is divided into service sub-system and web subsystem; This service sub-system is realized business such as the stored value card circle is deposited, intellective IC card debit card account balance inquiry transaction, the detailed inquiry of intellective IC card debit card account trading, the inquiry of loan origination interest rate, intellective IC card debit card account loan origination, the inquiry of loan repayment capital interest, the repaying of intellective IC card debit card Account Request; This web subsystem provides system parameters configuration, business monitoring, business datum statistical function and multi-bank access-in management for service sub-system.
As preferably, described core banking system be responsible for the fund of handling reconciliation, transfer the relevant information of record loan account.
As preferably, described other safety demonstration information comprise user totem information and the message authentication code of user's input information, i.e. the MAC data that intellective IC card calculates automatically.
As preferably, described short message inserts the center for the SMS communication passage is provided between core banking system and intellective IC card.
As preferably, described security server comprises that to the checking of information the security server decrypting ciphertext obtains message authentication code (MAC data), and checking MAC data are not distorted to guarantee user totem information and user's input information.
As preferably, the described step of repaying the loan also comprises: after core banking system is received client's refund application information, according to client's the refund amount of money and the life of loan, calculate the loan interest amount of money, and be sent to client's mobile phone, after the client approves loan interest, just import the pairing debit card account password of intellective IC card and confirm, be sent to core banking system after the deciphering of confirmation by security server after encrypting.
The present invention combines the financial function of financial IC card and the communication function of mobile phone, and the client can handle the loan reimbursement business safely and efficiently by the mode of SMS; Except that loan repayment, the circle of transferring accounts, consuming that can also realize fund by the mode of SMS deposits that circle is carried, the functions such as information inquiry of account; Have characteristics such as simple in structure, safe in utilization, that service is convenient.
Description of drawings
Fig. 1 is system deployment figure of the present invention.
Fig. 2 is a business process map of the present invention.
Embodiment
Below in conjunction with accompanying drawing the present invention is done detailed introduction: shown in accompanying drawing 1,2, the present invention includes mobile phone, security server, debt-credit money business platform, short message that intellective IC card is housed and inserts center and core banking system composition; This mobile phone that intellective IC card is housed is to be made of customer mobile phone terminal, intellective IC card; Its loan transaction service comprises: card registration, actual extracting are provided a loan, are repaid the loan, information inquiry; All adopt the unsymmetrical key technology of China's finance authentication center (CFCA) to realize to the encryption and decryption of information in the SMS transmission course.
Described card registration step is: the intellective IC card that the client will have " user totem information " of my identity information and card unique identifier (card UID) is loaded in the customer mobile phone terminal, and send note intellective IC card is registered, realize opening of loan application menu in the intellective IC card simultaneously; After the security server authorization information is passed through, user totem information and card key are together write security server key management database, finish service log-on and inform that with the form of note client's card succeeds in registration by debt-credit money business platform.
Described actual extracting loan step is: the client imports trading password and loaning bill relevant information in SMS, as the borrowing balance and the life of loan, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, again by being sent to core banking system after security server deciphering and the checking, after core banking system is received the information that security server sends, to having comprised phone number, information such as the borrowing balance and the life of loan is carried out safety verification once more, is not distorted to guarantee these information.After results is passed through, as the loan of agreeing the client extracts application, the note that just sends the loan assumed interest rate is to mobile phone, if the client is the assumed interest rate of approval lending bank, the loan account password of setting during with regard to input application credit is confirmed, behind the core banking system checking loan account password, after loan fund being put under the debit card account of intellective IC card correspondence, the transaction details record that system will prove the receipt number of this loan and comprise information such as loan time, the amount of the loan, the life of loan, borrowing rate is saved in the intellective IC card automatically, so that inquire about used in the future; As the loan of disagreeing with the client extracts application, then send include disagree with reason note to mobile phone, the client can restart to extract loan application according to dissenting reason.
The described step of repaying the loan is: the client imports trading password and refund relevant information in SMS, as the amount of money of refunding, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, again by being sent to core banking system after security server deciphering and the checking, after the information that security server sends is received by core banking system system, to having comprised that information such as phone number, the refund amount of money carry out safety verification once more, do not distorted to guarantee these information.Errorless as the core banking system affirmation, just send the required interest number of giving back to mobile phone, after the client approved loan interest, the debit card account password of correspondence was confirmed when just importing intellective IC card; Confirm the wrong encryption note bag that includes error reason with regard to transmission to mobile phone as core banking system, the client can be according to error reason, and application restarts to repay the loan.
The information inquiry step is: the client sends the content that will inquire about by SMS, as my loan account remaining sum, deposit product and current enjoyable interest rate standard etc., cell phone system sends security server after will be automatically the information of client's input and other safety demonstration information together being encrypted, be sent to core banking system after deciphering by security server and the checking again, core banking system returns Query Result to client's mobile phone with the note form.
The idiographic flow that carries out the loan transaction service by SMS is divided into following 11 steps (referring to Fig. 2):
1, the client proposes the loan limit application to bank, and accepts bank and examine.
2, to customer lending examine qualified after, bank gives the user certain accrediting amount that can be recycled.
3, the client is to bank application and get with the intellective IC card of financial IC card function and mobile phone communication card (as SIM card, UIM card etc.) function, set up a debit card account in the card or, also can select to set up a stored value card account in the card simultaneously in debit card account of banking system backstage binding.Store " user totem information " that comprise client identity information and card unique identifier (card UID) in the card.
4, the client is loaded into mobile phone terminal with intellective IC card, sending note by mobile phone prompting button registers, the card end calculates user totem information automatically and other log-on message (comprises the IC-card certificate, the application effective date etc.) message authentication code, be the MAC data, again with user totem information, after other log-on message and the corresponding M AC data encryption, form registration note bag together with card key information and send to debt-credit money business platform, debt-credit money business platform is converted to data message forwarding to security server with note data after receiving registration note bag, debt-credit money business platform is converted to data message forwarding to security server with note data after receiving registration note bag, security server extracts the secret key decryption ciphertext in the note, and the MAC data are verified, guarantee that all information are not distorted, after again user totem information and card key information together being write security server key management database log-on message is returned to business platform, finish service log-on and inform that with the form of note client's card succeeds in registration, and realizes opening of card loan application function menu simultaneously by debt-credit money business platform.
5, during the actual extracting loan, the client proposes loan application by sending the set form SMS, the user only need import trading password, the borrowing balance and the life of loan, intellective IC card calculates the message authentication code of the information of user totem information (comprising client identity information and card UID information) and user's input automatically, be the MAC data, and pass through the interior key of card automatically to user totem information, user's input information, information such as phone number and corresponding M AC data are together encrypted, and the note bag that ciphertext will be arranged is sent to debt-credit money business platform, and debt-credit money business platform is forwarded to security server with ciphertext again.
6, the ciphertext in security server use self the secret key decryption note bag, obtain user totem information, trading password, phone number, user's input information and MAC data, from security server database, inquire active user's card key again, information is verified, if pass through, explanation is correctly legal by the identity information of sending out on the note, finishes authentication with this.User's input information after security server will be deciphered again sends to core banking system by debt-credit money business platform again, after core banking system is carried out safety verification once more to phone number, borrowing balance and the life of loan, just send the note of loan assumed interest rate to mobile phone as agreeing; As disagree with just send include disagree with reason note to mobile phone, the client can restart to extract the application of loan according to dissenting reason.
7, the client approves the loan assumed interest rate, the loan account password of setting during with regard to input application credit is confirmed, intellective IC card will produce the encryption ciphertext of information such as comprising loan account password, unsymmetrical key automatically, send to after security server is decrypted, verifies, client's affirmation information is sent to core banking system.Core banking system puts loan fund under client's debit card account, and the note that the transmission loan puts in place is to client's mobile phone, the transaction details record that will prove the receipt number of this loan simultaneously and comprise information such as loan time, the amount of the loan, the life of loan, borrowing rate is saved in the card automatically, so that inquire about used in the future.
8, when carrying out loan repayment, the client proposes the application of refunding by sending the set form SMS, the user only need import trading password and borrowing balance, intellective IC card will calculate the message authentication code of the information of user totem information (comprising client identity information and card UID information) and user's input automatically, be the MAC data, and pass through the interior key of card to user totem information, user's input information, information such as phone number and corresponding M AC data are together encrypted, and will there be the note bag of ciphertext to be sent to security server by debt-credit money business platform, the security server decrypting ciphertext, obtain user totem information, the customer transaction password and the refund amount of money and MAC data, from security server database, inquire active user's card key again, information is verified, if pass through, explanation is correctly legal by the identity information of sending out on the note, finishes authentication with this.
9, security server sends to core banking system by business platform again with the information of the refund amount of money again, after core banking system is carried out safety verification once more to phone number, the refund amount of money, as confirm errorlessly, the note (comprising the required interest number of giving back) that just sends the out of Memory relevant with refund is to mobile phone; As confirming the wrong note that includes error reason with regard to transmission to mobile phone, the client can restart the application of refunding according to error reason.
10, after the client approves loan interest, just importing the pairing debit card account password of intellective IC card confirms, intellective IC card produces automatically and comprises the loan account password, the note bag of information such as the encryption ciphertext of message authentication code (MAC data) and unsymmetrical key, being sent to security server by debt-credit money business platform is decrypted, after checking is passed through, affirmation information with the client sends to core banking system again, after core banking system is checked the debit card account balance, as remaining sum at that time greater than the refund amount of money and interest, be about to loan fund and mark client's debit card account, and send the repayment of bank loans success, the note of present loan balance and debit card remaining sum is to client's mobile phone; As remaining sum was less than the refund amount of money and interest at that time, the note that promptly sends refund unsuccessful and unsuccessful reason is to client's mobile phone.
11, when needs are inquired about transaction, the client is by sending the set form SMS, by with extract loan and similarly encrypt, decipher, verify, return the process of note when repaying the loan, inquire about my loan account remaining sum, deposit product and current enjoyable interest rate standard, the information relevant such as loan documentation in the past with loan.
Claims (9)
1. a system that carries out the loan transaction service based on SMS is characterized in that this system includes: mobile phone, security server, debt-credit money business platform, short message access center and core banking system that intellective IC card is housed; This mobile phone that intellective IC card is housed is to be made of customer mobile phone terminal, intellective IC card; Described debt-credit money business platform comprises:
The card registration step: the intellective IC card that the client will have " user totem information " of my identity information and card unique identifier (card UID) is loaded in the customer mobile phone terminal, and send note intellective IC card is registered, realize opening of loan application menu in the intellective IC card simultaneously;
Actual extracting loan step: the client imports trading password and loaning bill relevant information in SMS, as the borrowing balance and the life of loan, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, again by being sent to core banking system after security server deciphering and the checking, core banking system sends the loan assumed interest rate to client's mobile phone according to the loaning bill information of client's input, after the client approved the loan assumed interest rate, core banking system put loan fund under the debit card account of intellective IC card correspondence;
The step of repaying the loan: the client imports trading password and refund relevant information in SMS, as the amount of money of refunding, intellective IC card will be automatically together encrypted the back to the information of client's input and other safety demonstration information and is sent to security server with the note form, again by being sent to core banking system after security server deciphering and the checking, core banking system is checked the debit card account balance of intellective IC card correspondence, as account balance greater than the refund amount of money and interest, then loan fund is marked the debit card account, the concurrent note of money success of returning is to client's mobile phone, less than the refund amount of money and interest, the note that then sends refund unsuccessful and unsuccessful reason is to client's mobile phone as the debit card account balance;
The information inquiry step: the client sends the content that will inquire about by SMS, as my loan account remaining sum, deposit product and current enjoyable interest rate standard etc., cell phone system is sent to security server after will be automatically the information of client's input and other safety demonstration information together being encrypted, be sent to core banking system after deciphering by security server and the checking again, core banking system returns Query Result to client's mobile phone with the note form.
2. the system that carries out the loan transaction service based on SMS according to claim 1, it is characterized in that: described intellective IC card is the card that financial IC card and mobile communication card are united two into one, the corresponding debit card account of intellective IC card, this account is a debit card account of establishing in the intellective IC card, or in debit card account of banking system backstage binding; Simultaneously, Ka Nei also can select to set up an e-wallet account; Store the user totem information that comprises client identity information and card unique identifier in the card.
3. the system that carries out the loan transaction service based on SMS according to claim 1, it is characterized in that: described security server provides unsymmetrical key management, authenticating user identification, integrity protection, Confidentiality protection, multi-bank access authentication function.
4. the system that carries out the loan transaction service based on SMS according to claim 1, it is characterized in that: described debt-credit money business platform is divided into service sub-system and web subsystem; This service sub-system realize stored value card circle deposit,,,,, business; This web subsystem provides system parameters configuration, business monitoring, business datum statistical function and multi-bank access-in management for service sub-system.
5. the system that carries out loan transaction service based on SMS according to claim 1 is characterized in that: described core banking system be responsible for the fund of handling reconciliation, transfer the relevant information of record loan account.
6. the system that carries out the loan transaction service based on SMS according to claim 1, it is characterized in that: described other safety demonstration information comprise user totem information and the message authentication code of user's input information, i.e. the MAC data that intellective IC card calculates automatically.
7. the system that carries out the loan transaction service based on SMS according to claim 1 is characterized in that: described short message inserts the center for the SMS communication passage is provided between core banking system and intellective IC card.
8. according to claim 1 or the 3 described systems that carry out the loan transaction service based on SMS, it is characterized in that: described security server comprises that to the checking of information the security server decrypting ciphertext obtains message authentication code (MAC data), checking MAC data are not distorted to guarantee user totem information and user's input information.
9. the system that carries out the loan transaction service based on SMS according to claim 1, it is characterized in that: the described step of repaying the loan also comprises: after core banking system is received client's refund application information, according to client's the refund amount of money and the life of loan, calculate the loan interest amount of money, and be sent to client's mobile phone, after the client approves loan interest, just import the pairing debit card account password of intellective IC card and confirm, be sent to core banking system after the deciphering of confirmation by security server after encrypting.
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| CN2011100267803A CN102131164A (en) | 2011-01-25 | 2011-01-25 | System for performing loan transaction service based on mobile phone short message |
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| CN2011100267803A CN102131164A (en) | 2011-01-25 | 2011-01-25 | System for performing loan transaction service based on mobile phone short message |
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| CN103139179A (en) * | 2011-12-01 | 2013-06-05 | 捷而思股份有限公司 | Multi-channel active type network identity verification system and network identity verification device |
| CN105225151A (en) * | 2015-11-10 | 2016-01-06 | 中国建设银行股份有限公司 | A kind of bank lending risks method for early warning and device |
| CN106408412A (en) * | 2016-09-13 | 2017-02-15 | 深圳中兴飞贷金融科技有限公司 | Mobile phone-based loan system |
| CN109214914A (en) * | 2018-08-24 | 2019-01-15 | 厦门集微科技有限公司 | A kind of loan information checking method and device based on communication open platform |
| CN109284991A (en) * | 2018-07-16 | 2019-01-29 | 罗明伟 | A kind of personal credit payment system and its method of payment |
| TWI651676B (en) * | 2016-12-29 | 2019-02-21 | 臺灣中小企業銀行股份有限公司 | Enterprise mobile banking system and? performing method thereof |
| CN109801155A (en) * | 2018-12-14 | 2019-05-24 | 深圳壹账通智能科技有限公司 | It makes loans verification method, device and the computer equipment of interface |
| WO2019205218A1 (en) * | 2018-04-26 | 2019-10-31 | 卫盈联信息技术（深圳）有限公司 | Automatic loan repayment method, system and device and storage medium |
| CN111275402A (en) * | 2020-01-19 | 2020-06-12 | 中信银行股份有限公司 | Processing method, system, equipment and medium for rapidly storing assembly line of same-industry operation |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103139179A (en) * | 2011-12-01 | 2013-06-05 | 捷而思股份有限公司 | Multi-channel active type network identity verification system and network identity verification device |
| CN105225151A (en) * | 2015-11-10 | 2016-01-06 | 中国建设银行股份有限公司 | A kind of bank lending risks method for early warning and device |
| CN106408412A (en) * | 2016-09-13 | 2017-02-15 | 深圳中兴飞贷金融科技有限公司 | Mobile phone-based loan system |
| CN107194806A (en) * | 2016-09-13 | 2017-09-22 | 深圳中兴飞贷金融科技有限公司 | The server provided a loan for mobile phone |
| CN106408412B (en) * | 2016-09-13 | 2017-10-13 | 深圳中兴飞贷金融科技有限公司 | Mobile phone loan system |
| TWI651676B (en) * | 2016-12-29 | 2019-02-21 | 臺灣中小企業銀行股份有限公司 | Enterprise mobile banking system and? performing method thereof |
| WO2019205218A1 (en) * | 2018-04-26 | 2019-10-31 | 卫盈联信息技术（深圳）有限公司 | Automatic loan repayment method, system and device and storage medium |
| CN109284991A (en) * | 2018-07-16 | 2019-01-29 | 罗明伟 | A kind of personal credit payment system and its method of payment |
| CN109214914A (en) * | 2018-08-24 | 2019-01-15 | 厦门集微科技有限公司 | A kind of loan information checking method and device based on communication open platform |
| CN109801155A (en) * | 2018-12-14 | 2019-05-24 | 深圳壹账通智能科技有限公司 | It makes loans verification method, device and the computer equipment of interface |
| CN111275402A (en) * | 2020-01-19 | 2020-06-12 | 中信银行股份有限公司 | Processing method, system, equipment and medium for rapidly storing assembly line of same-industry operation |
| CN111275402B (en) * | 2020-01-19 | 2023-09-22 | 中信银行股份有限公司 | Processing method, system, equipment and medium for rapidly storing same-industry operation assembly line |
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Application publication date: 20110720 |