CN102316150B - Method, server and system for realizing check security verification by mobilephone banking - Google Patents
Method, server and system for realizing check security verification by mobilephone banking Download PDFInfo
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- CN102316150B CN102316150B CN2011100978928A CN201110097892A CN102316150B CN 102316150 B CN102316150 B CN 102316150B CN 2011100978928 A CN2011100978928 A CN 2011100978928A CN 201110097892 A CN201110097892 A CN 201110097892A CN 102316150 B CN102316150 B CN 102316150B
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Abstract
The invention discloses a method, server and system for realizing check security verification by mobilephone banking. The method comprises the following steps: receiving check drawing information sent by a drawer mobile communication terminal; generating a check cashing password according to the check drawing information; sending the check cashing password to the drawer mobile communication terminal; receiving check receiving information sent by a taker mobile communication terminal; generating a check verification password according to the check receiving information; carrying out paired verification on the check verification password and the check cashing password; and blocking and reserving the check capital if the passwords pass the paired verification. The method, the server and the system for realizing check security verification by mobilephone banking provided by the embodiment of the invention have the advantages that the check cashing password can be conveniently obtained, the authenticity of the check can be verified in time, and enough cash can be guaranteed after the check is collected, thus guaranteeing a safe and unimpeded check payment flow, improving the security and the conveniences of the drawer for obtaining the check cashing password, and guaranteeing that the capital can safely enters the account book after the taker receives the check.
Description
Technical field
The present invention relates to the check treatment technology of the bank field, relate in particular to a kind of method, server and system that realizes the check safety verification by Mobile banking.
Background technology
At present, bank credit system imperfection, the check true and false is differentiated the level deficiency, has restricted check carrying out as means of payment commonly used.Beneficiary, owing to worrying to receive false check or kite bill, often all can be rejected check during gathering; And paying party is owing to worrying that check is lost or stolen falsely used by the people afterwards, the individual and the trade company that therefore agree to accept paying by check are few, also are reluctant to found the check business.Therefore, for to the security consideration of current check environment for use, except will on drawing a cheque, signing, affixing one's seal, also to write check corresponding cash password, to check drawer and drawee, can play a very good protection like this.
At present the industry check drawer of bank obtains check and cashes password 3 kinds of patterns are generally arranged:
Print pin list while 1, buying cheque book.This kind adopts the pattern of print pin list, security is lower, because the password list is to print in advance, can't increase the date of issuance and the key element of signing and issuing the calculating passwords such as the amount of money, if password list and cheque book are lost simultaneously, can cause great threat to check drawer's fund security;
2, the real-time generating cipher of payment cipher.This kind adopts the pattern of payment cipher, and equipment cost is very high, for bank be not the individual client who often uses check, buys bank payment scrambler equipment and seem very expensive, or perhaps safety cost is too high, be only suitable for corporate client and use;
3, calculate in real time password by Net silver.This kind adopts Net silver to calculate in real time the pattern of password, must have the equipments for surfing the net such as computer that can connect internet to use, if use outside very inconvenient.
Therefore, in the urgent need to a kind of both safety, convenient, cost low check is again cashed the password obtaining means and is offered and need to use the check drawer of paying by check to use; Also need simultaneously a kind of safe, ensure to offer and receive ticket side easily, can accurately identify the check true and false, guarantee that check can get money, rather than kite bill.
Summary of the invention
The embodiment of the present invention provides a kind of method, server and system that realizes the check safety verification by Mobile banking, in order to have overcome, obtains at present check and cashes the problem that range of application in password is limited and easily be subject to security attack or easily reveal.
One of purpose of the present invention is, a kind of method that realizes the check safety verification by Mobile banking is provided, and comprising: receive the information of drawing a bill that check drawer's mobile communication terminal sends; Cash password according to the described Information generation check of drawing a bill; Described check is cashed to password and send to check drawer's mobile communication terminal; Receive the receipts ticket information that drawee's mobile communication terminal sends, described receipts ticket information is cashed password for described information and the check of drawing a bill that the check drawer consigns to that drawee's invoice comprises; According to described receipts ticket Information generation check verification password; Described check verification password and described check are cashed to password and matched verification; If cryptographic check is passed through, the check fund of described check is freezed to retain.
One of purpose of the present invention is, a kind of Mobile banking's server of realizing the check safety verification by Mobile banking is provided, and comprising: the wap data receiving trap, cash the receipts ticket information of password for receiving the check that comprises that drawee's mobile communication terminal sends; Password generating apparatus, for according to described receipts ticket Information generation check verification password; Password authentication device, carry out password and compare, the generating cipher comparison result for described check verification password and described check being cashed to password; The accounting processing device, for according to described password comparison result, the check fund being processed, if the password comparison is consistent, freezed to retain to the check fund; The wap data dispensing device, send to drawee's mobile communication terminal for the result by described check fund.
One of purpose of the present invention is, a kind of system that realizes the check safety verification by Mobile banking is provided, and comprises check drawer's mobile communication terminal, drawee's mobile communication terminal, WAP network and Mobile banking's server; Described check drawer's mobile communication terminal and drawee's mobile communication terminal are connected with described Mobile banking server respectively by the WAP network; Wherein, described Mobile banking server comprises: the wap data receiving trap, cash the receipts ticket information of password for the check that comprises that receives described drawee's mobile communication terminal transmission; Password generating apparatus, for according to described receipts ticket Information generation check verification password; Password authentication device, carry out password and compare, the generating cipher comparison result for described check verification password and described check being cashed to password; The accounting processing device, for according to described password comparison result, the check fund being processed, if the password comparison is consistent, freezed to retain to the check fund; The wap data dispensing device, send to described drawee's mobile communication terminal for the result by described check fund.
Beneficial effect of the present invention is, realize method, server and the system of check safety verification by the embodiment of the present invention by Mobile banking, can conveniently obtain check and cash password, verify in time the check true and false, and can enough cash after guaranteeing to collect check, ensured the safe and smooth of whole paying by check flow process, improved the check drawer and obtained security and the convenience that check is cashed password, ensured that the drawee receives fund after the check safety that keeps accounts.
The accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, below will the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is that the present invention realizes the method flow diagram of a kind of embodiment of check safety verification by Mobile banking;
Fig. 2 is that the present invention realizes the method flow diagram of the another kind of embodiment of check safety verification by Mobile banking;
The structural representation of a kind of embodiment that Fig. 3 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking;
The structural representation of the another kind of embodiment that Fig. 4 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking;
The structural representation of another embodiment that Fig. 5 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking;
The structural representation of the embodiment that Fig. 6 is the present invention's system of realizing the check safety verification by Mobile banking;
Fig. 7 is for according to realizing the system of check safety verification by Mobile banking shown in Fig. 6, and check drawer's mobile communication terminal obtains the process flow diagram that check is cashed password;
Fig. 8 is for according to realizing the system of check safety verification by Mobile banking shown in Fig. 6, and drawee's mobile communication terminal carries out the check safety verification and realizes the process flow diagram of check freezing of funds.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Embodiment based in the present invention, those of ordinary skills, not making under the creative work prerequisite the every other embodiment obtained, belong to the scope of protection of the invention.
Fig. 1 is the method flow diagram of realizing a kind of embodiment of check safety verification by Mobile banking of the present invention.As shown in the figure, the embodiment of the present invention realizes that by Mobile banking the method for check safety verification comprises;
Step S101, receive the information of drawing a bill that check drawer's mobile communication terminal sends; Step S102, cash password according to the described Information generation check of drawing a bill; Step S103, cash password by described check and send to check drawer's mobile communication terminal; Step S104, receive the receipts ticket information that drawee's mobile communication terminal sends, and described receipts ticket information is cashed password for described information and the check of drawing a bill that the check drawer consigns to that drawee's invoice comprises; Step S105, according to described receipts ticket Information generation check verification password; Step S106, cash password by described check verification password and described check and matched verification; Step S107, if cryptographic check is passed through, freezed the check fund of described check to retain.
In the present embodiment, before by Mobile banking, realizing check verification, the check drawer need to arrive the business that bank opens mobile phone WAP bank, opens mobile phone WAP bank simultaneously and obtains the business that check is cashed password.Registration process need to arrive bank's cabinet face and handle, and carry out corresponding safety inspection and checking.After check drawer and drawee have decided through consultation paying by check, the drawee logs in Mobile banking by mobile communication terminal (such as mobile phone etc.), enter into check and cash the page of password, input check drawer's checking account, cheque number, date of issuance of drawing a cheque and sign and issue the amount of money.After getting described checking account, cheque number, the date of issuance and signing and issuing the amount of money, utilize cryptographic algorithm to generate check and cash password.Subsequently check is cashed to the password echo to check drawer's the mobile phone WAP page, the check drawer cashes password by check and is filled in the input field that check is corresponding, can complete signing and issuing of check.
In another embodiment, as shown in Figure 2, according to the Information generation check of drawing a bill, to cash password and also comprising step S102 ' later, the plaintext of described check being cashed to password is converted to graphical demonstration.In this embodiment, the plaintext of check being cashed to password is converted to graphical demonstration and comprises:
At first, generate the graphical format that described check is cashed password.In this step, can select at random graphical format.Dynamically use the different graphic form, as used the forms such as BMP, JPG, PNG, carry out the demonstration of graphic contents.Graphical format random, the difficulty that has increased the identification of the rogue programs such as wooden horse and distorted figure, but for the client, be transparent, and the effect that the client sees on screen is the same, this arranges the consistance that had both guaranteed the graphic style style, increases again the difficulty that identification is distorted.
Then, increase background patterns in the graphical format generated.This step be for prevent wooden horse or rogue program to figure cut, cutting, and then carry out composite assembly and become dummy pattern to cheat the client.Increase background content on figure, as the background lines of background patterns or similar bank note, its pattern exists certain continuity and logicality.For example, Background can be used the logo of bank, and lines is just with horizontal line, vertical line, oblique line, wave etc.
Finally, can in cashing password, the check of graphical format add identification factor and disturbing factor.This step can be cashed password by the check shown on figure and carry out distortion, distortion, and the randomly discharging position, increases interference element simultaneously, and reaching human eye can identify, and the impalpable display effect of the rogue programs such as wooden horse.Information on figure is out of shape demonstration, as random use multiple font, carries out at random the demonstration of overstriking, italic or correlation combiner, and the relevant distortion converting algorithm of use carries out the distortion demonstration of whole figure etc.The randomly discharging position, can effectively prevent that figure from being cut and reducing by rogue programs such as wooden horses.Increase to disturb in addition content, as interfering line etc.; Also can use abundant color to be disturbed, be convenient to eye recognition, but increase the difficulty of computing machine identification.
The structural representation of a kind of embodiment that Fig. 3 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking.As shown in the figure, realize that by Mobile banking the server of check safety verification comprises in the present embodiment:
Wap data receiving trap 101, cash the receipts ticket information of password for the check that comprises that receives the transmission of drawee's mobile communication terminal; Password generating apparatus 102, for according to receiving ticket Information generation check verification password; Password authentication device 103, carry out password and compare, the generating cipher comparison result for described check verification password and described check being cashed to password; Accounting processing device 104, for according to described password comparison result, the check fund being processed, if the password comparison is consistent, freezed to retain to the check fund; Wap data dispensing device 105, send to drawee's mobile communication terminal for the result by described check fund.
In the present embodiment, wap data receiving trap 101 also receives the information of drawing a bill that check drawer's mobile communication terminal sends, the described information of drawing a bill comprises checking account, cheque number, the date of issuance, signs and issues the amount of money, password generation unit 102 is after receiving the information of drawing a bill of check drawer's mobile communication terminal, generate check according to cryptographic algorithm and cash password, and described check is cashed to password by wap data dispensing device 105, send to check drawer's mobile communication terminal to show.
The structural representation of the another kind of embodiment that Fig. 4 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking.In the present embodiment, described Mobile banking server also comprises picture generating apparatus 106, is converted to picture format for the plaintext of described check being cashed to password and shows.The security of to increase check, cashing password, prevent the rogue program identification such as wooden horse and distort.
The structural representation of another embodiment that Fig. 5 is the present invention's Mobile banking's server of realizing the check safety verification by Mobile banking.In the present embodiment, picture generating apparatus 106 comprises:
Figure ground protected location 1062, for increasing the background patterns of described graphical format.Increase background content on figure, as the background lines of background patterns or similar bank note, its pattern exists certain continuity and logicality.For example, Background can be used the logo of bank, and lines is just with horizontal line, vertical line, oblique line, wave etc.Increase background patterns can prevent wooden horse or rogue program to figure cut, cutting, and then carry out composite assembly and become dummy pattern to cheat the client.
Figure is prevented recognition unit 1063, cashes password for the check at graphical format and adds identification factor and disturbing factor.That is: the check shown on figure is cashed to password and carry out distortion, distortion, and the randomly discharging position, increase interference element simultaneously, reaching human eye can identify, and the impalpable display effect of the rogue programs such as wooden horse.Information on figure is out of shape demonstration, as random use multiple font, carries out at random the demonstration of overstriking, italic or correlation combiner, and the relevant distortion converting algorithm of use carries out the distortion demonstration of whole figure etc.The randomly discharging position, can effectively prevent that figure from being cut and reducing by rogue programs such as wooden horses.Increase to disturb in addition content, as interfering line etc.; Also can use abundant color to be disturbed, be convenient to eye recognition, but increase the difficulty of computing machine identification.
In the present embodiment, accounting processing device 104 comprises: checking account validity checking unit 1041, for checking the legitimacy of described checking account; Cheque number validity checking unit 1042, for checking the legitimacy of described cheque number; Check fund stick unit 1043, retained for described check fund freezes.The legitimacy of checking account and cheque number is the legal effective prerequisite of check, therefore need to, after authentication password is consistent, before the blocked check fund, check the legitimacy of the check of testing.
The structural representation of the embodiment that Fig. 6 is the present invention's system of realizing the check safety verification by Mobile banking.As shown in the figure, describedly by Mobile banking, realize that the system of check safety verification comprises check drawer's mobile communication terminal 1, drawee's mobile communication terminal 2, WAP network 3 and Mobile banking's server 4; Described check drawer's mobile communication terminal 1 and drawee's mobile communication terminal 2 are connected with described Mobile banking server 4 respectively by WAP network 3; Wherein, described Mobile banking server 4 is the Mobile banking's server in embodiment illustrated in fig. 5.
Fig. 7 is for according to realizing the system of check safety verification by Mobile banking shown in Fig. 6, and check drawer's mobile communication terminal obtains the process flow diagram that check is cashed password.As shown in the figure:
Step S201, purchaser's mobile phone terminal login mobile phone WAP bank.The purchaser selects login Mobile banking server by the WAP network.
Step S202, Mobile banking's server receives check drawer's logging request, and checks whether this cell-phone number is opened mobile phone WAP bank and obtained the password business.If do not have open-mindedly, point out purchaser's mobile phone terminal not open this business, transaction is interrupted; If open-minded, forward step S203 to.
Step S203, login successfully, and shows that WAP logins successfully interface and feature navigator menu.
Step S204, the check drawer, according to navigation menu, selects to obtain check and cashes cryptographic function, enters respective page.
Step S205, the check drawer cashes on the password page at the check that obtains of correspondence, the checking account of the check that input will be signed and issued, cheque number, the date of issuance, signs and issues the information of drawing a bill such as the amount of money, and check is cashed the computational element of password, and confirms to submit to.
Step S206, Mobile banking's server receives the information of drawing a bill, and according to certain cryptographic algorithm, calculates the password of cashing of this check.In the present embodiment, this cryptographic algorithm can be taked 16 bit encryption algorithms.Wherein, 3DES is the cryptographic algorithm (1999 year, NIST be appointed as 3-DES the encryption standard of transition) of DES to the AES transition, is the safer distortion of DES.It take DES as basic module, design block encryption algorithm by the combination group technology, use three keys (168bit) to carry out three times (or twice) to data block and encrypt, if the daughter element of three 56 is all identical, triple des back compatible DES.
3DES has four kinds of models, and it is implemented as follows: establish the encryption and decryption process that E () and D () represent the DES algorithm, K represents the key that the DES algorithm is used, and P represents that expressly C represents ciphertext,
(a) (Ek2 (Ek1 (P)), used three different keys to DES-Ek3, and k1 ≠ k2 ≠ k3 sequentially carries out three times enciphering transformation.
(b) (Dk2 (Ek1 (P)), used three different keys to DES-Ek3, is encrypted successively-deciphers-enciphering transformation.
(c) (Ek2 (Ek1 (P)), wherein key K 1=K3, sequentially carry out three times enciphering transformation to DES-Ek3.
(d) (Dk2 (Ek1 (P)), wherein key K 1=K3, be encrypted-decipher-enciphering transformation DES-Ek3 successively.
In the present embodiment, if the checking account of the check that the check drawer signs and issues is 020002601234567 cheque number is 1234567890, the date of issuance is on April 2nd, 2011, signing and issuing the amount of money is 50000.00 yuan,, after the 3DES cryptographic algorithm, it is EDC95FDD5E5A8638 that the check of generation is cashed password.
Step S207, cash password by check and expressly be treated to Image Display.Picture generating apparatus 106 is converted to figure to code characters, dynamically uses the different graphic form, as used BMP, and JPG, the forms such as PNG carry out the demonstration of graphic contents; Increase background content, as the background lines of background patterns or similar bank note, its pattern exists certain continuity and logicality; Again the check shown on figure is cashed to password and carry out distortion, distortion, and the randomly discharging position, increase interference element simultaneously, reaching human eye can identify, and the impalpable display effect of the rogue programs such as wooden horse.
Step S208, the check that Mobile banking's server will finally generate is cashed password picture, is loaded into the WAP page, turns back to check drawer's mobile phone terminal.
Step S209, the check drawer checks that from mobile phone terminal the check of generation cashes password, is filled up to the relevant position of check.
Fig. 8 is for according to realizing the system of check safety verification by Mobile banking shown in Fig. 6, and drawee's mobile communication terminal carries out the check safety verification and realizes the process flow diagram of check freezing of funds.
Step S301, after the drawee receives check, sign in to Mobile banking's server by mobile phone terminal, and enter into the check fund reservation page.
Step S302, the drawee on respective page, input check check account number, cheque number, the date of issuance, sign and issue the cryptographic calculations key element such as the amount of money and check is cashed password, confirm to submit to.
Step 303: Mobile banking's server receives the ticket information of receiving, password generating apparatus 102 according to check account number, cheque number, the date of issuance, sign and issue the amount of money, according to certain cryptographic algorithm, calculate the check verification password of this check.The method that the step of calculating check verification password is cashed password with the calculating check is identical.Therefore, if the cryptographic calculations key element of input is identical, the check verification password generated is so cashed password with the check received should be identical.
Step 304, cash password by check verification password and check and carry out consistency desired result, if both are identical, consistency desired result passes through.
Step 305: check is cashed after cryptographic check passes through, and checking account validity checking unit 1041 and cheque number validity checking unit 1042 check the legitimacy of checking accounts and cheque number.
Step 306: after validity checking is passed through, check fund stick unit 1043 checks that whether the checking account available balances are enough, if larger than signing and issuing the amount of money, the corresponding amount of money of signing and issuing of frozen, the available balance of checking account is corresponding reduces.
Step 307: after retaining successfully, represent the check fund at drawee's mobile phone terminal and retain the successful page.
Step 308: the drawee can relieved this check of accepting, maturing check a few days ago, go bank's cabinet face to complete and cash.
Because the use of mobile phone is very universal, its popularity rate is far above online, the embodiment of the present invention makes the check verification range of application more extensively and safety, the user does not need online or uses special-purpose check cipher code generator, just can obtain safely check and cashes password and the check obtained is verified in time.
1, cashing pin mode and compare with obtaining at present check on the net, is the WAP communication channel due to what use, has avoided easy Internet under attack.Password shows with the transmission of figure sheet mode simultaneously, more safer than showing with character, because the character password byte number is less, on WAP, can not effectively encrypt, and is more easily intercepted.And password is dynamically to generate in real time, this static password modes of payments of more pre-print pin list improves a lot aspect security.With the specialized equipment of check cipher code generator etc., compare, again because it does not need the user to buy in addition any equipment, so cost is low.
2, cash this digital signature mode of password with check, guarantee check account number, cheque number, the date of issuance on the check, signed and issued the correctness that the fields such as the amount of money are filled in, can effectively prevent on check that filling in the important content data is tampered, and has strengthened the anti-forgery security of check.
3, receive ticket side and can pass through check fund reservation function, the legitimacy of check that real-time inspection is received, in order to avoid receive forged check, kite bill.
The embodiment of the present invention realize method, server and the system of check safety verification by Mobile banking, can conveniently obtain check and cash password, verify in time the check true and false, and can enough cash after guaranteeing to collect check, ensured the safe and smooth of whole paying by check flow process, improved the check drawer and obtained security and the convenience that check is cashed password, ensured that the drawee receives fund after the check safety that keeps accounts.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the foregoing is only specific embodiments of the invention; the protection domain be not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (14)
1. a method that realizes the check safety verification by Mobile banking, is characterized in that, described method comprises:
Before by Mobile banking, realizing check verification, the check drawer obtains in registration mobile phone WAP bank of bank the business that check is cashed password;
Receive the information of drawing a bill that check drawer's mobile communication terminal sends;
According to the described information of drawing a bill, utilize the 3DES cryptographic algorithm to generate check and cash password, and the plaintext that described check is cashed password is converted to graphical demonstration;
Described check is cashed to password and send to check drawer's mobile communication terminal;
Described information and the check of drawing a bill that comprise that receives that drawee's mobile communication terminal sends cashed password in interior receipts ticket information;
According to described receipts ticket Information generation check verification password;
Described check verification password and described check are cashed to password and matched verification;
If cryptographic check is passed through, the check fund of described check is freezed to retain;
Wherein, described according to the described information of drawing a bill, utilize the 3DES cryptographic algorithm to generate check and cash password, and the plaintext that described check is cashed password is converted to graphical demonstration comprises:
The described check of random generation tackles the graphical format of password;
Increase the background patterns of described graphical format;
In cashing password, the check of graphical format adds identification factor and disturbing factor.
2. the method that realizes the check safety verification by Mobile banking as claimed in claim 1, is characterized in that, the information of drawing a bill that check drawer's mobile communication terminal of described reception sends comprises:
Receive checking account, cheque number, the date of issuance that described check drawer draws a cheque and sign and issue the amount of money.
3. the method that realizes the check safety verification by Mobile banking as claimed in claim 2, is characterized in that, described password authentification also comprises after passing through:
Check the legitimacy of described checking account.
4. the method that realizes the check safety verification by Mobile banking as claimed in claim 2, is characterized in that, described password authentification also comprises after passing through:
Check the legitimacy of described cheque number.
5. Mobile banking's server of realizing the check safety verification by Mobile banking, is characterized in that, described Mobile banking server comprises:
The wap data receiving trap, cash the receipts ticket information of password for the check that comprises that receives the transmission of drawee's mobile communication terminal;
Password generating apparatus, for according to described receipts ticket information, utilize the 3DES cryptographic algorithm to generate the check verification password;
The picture generating apparatus, be converted to the Image Display form for the plaintext of described check being cashed to password; Wherein, described picture generating apparatus comprises:
The figure generation unit, cash the graphical format of password for generating described check;
The figure ground protected location, for increasing the background patterns of described graphical format;
Figure is prevented recognition unit, cashes password for the check at described graphical format and adds identification
Factor and disturbing factor;
Password authentication device, carry out password and compare, the generating cipher comparison result for described check verification password and described check being cashed to password;
The accounting processing device, for according to described password comparison result, the check fund being processed, if the password comparison is consistent, freezed to retain to the check fund;
The wap data dispensing device, send to drawee's mobile communication terminal for the result by described check fund;
Wherein, before by Mobile banking, realizing check verification, the check drawer obtains in registration mobile phone WAP bank of bank the business that check is cashed password.
6. Mobile banking's server of realizing the check safety verification by Mobile banking as claimed in claim 5, it is characterized in that, the information of drawing a bill that described wap data receiving trap also sends for receiving check drawer's mobile communication terminal, the described information of drawing a bill comprises checking account, cheque number, the date of issuance and signs and issues the amount of money.
7. Mobile banking's server of realizing the check safety verification by Mobile banking as claimed in claim 5, is characterized in that, described wap data dispensing device is also cashed password for the payment by described correspondence and sent to described check drawer's mobile communication terminal.
8. Mobile banking's server of realizing the check safety verification by Mobile banking as claimed in claim 5, is characterized in that, described receipts ticket information comprises:
The check drawer consigns to checking account, cheque number, the date of issuance that drawee's check comprises, sign and issue the amount of money and check is cashed password.
9. Mobile banking's server of realizing the check safety verification by Mobile banking as claimed in claim 8, is characterized in that, described accounting processing device comprises:
Checking account validity checking unit, for checking the legitimacy of described checking account;
Cheque number validity checking unit, for checking the legitimacy of described cheque number;
Check fund stick unit, retained for described check fund freezes.
10. a system that realizes the check safety verification by Mobile banking, is characterized in that, described system comprises check drawer's mobile communication terminal, drawee's mobile communication terminal, WAP network and Mobile banking's server; Described check drawer's mobile communication terminal and drawee's mobile communication terminal are connected with described Mobile banking server respectively by the WAP network; Wherein, described Mobile banking server comprises:
The wap data receiving trap, cash the receipts ticket information of password for the check that comprises that receives described drawee's mobile communication terminal transmission;
Password generating apparatus, for according to described receipts ticket information, utilize the 3DES cryptographic algorithm to generate the check verification password;
The picture generating apparatus, be converted to the Image Display form for the plaintext of described check being cashed to password; Wherein, described picture generating apparatus comprises:
The figure generation unit, cash the graphical format of password for generating described check;
The figure ground protected location, for increasing the background patterns of described graphical format;
Figure is prevented recognition unit, cashes password for the check at described graphical format and adds identification factor and disturbing factor;
Password authentication device, carry out password and compare, the generating cipher comparison result for described check verification password and described check being cashed to password;
The accounting processing device, for according to described password comparison result, the check fund being processed, if the password comparison is consistent, freezed to retain to the check fund;
The wap data dispensing device, send to described drawee's mobile communication terminal for the result by described check fund;
Wherein, before by Mobile banking, realizing check verification, the check drawer obtains in registration mobile phone WAP bank of bank the business that check is cashed password.
11. the system that realizes the check safety verification by Mobile banking as claimed in claim 10, it is characterized in that, the information of drawing a bill that described wap data receiving trap also sends for receiving described check drawer's mobile communication terminal, the described information of drawing a bill comprises checking account, cheque number, the date of issuance and signs and issues the amount of money.
12. the system that realizes the check safety verification by Mobile banking as claimed in claim 10, is characterized in that, described wap data dispensing device is also cashed password for the payment by described correspondence and is sent to described check drawer's mobile communication terminal.
13. the system that realizes the check safety verification by Mobile banking as claimed in claim 10, is characterized in that, described receipts ticket information comprises:
The check drawer consigns to checking account, cheque number, the date of issuance that drawee's check comprises, sign and issue the amount of money and check is cashed password.
14. the system that realizes the check safety verification by Mobile banking as claimed in claim 13, is characterized in that, described accounting processing device comprises:
Checking account validity checking unit, for checking the legitimacy of described checking account;
Cheque number validity checking unit, for checking the legitimacy of described cheque number;
Check fund stick unit, retained for described check fund freezes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011100978928A CN102316150B (en) | 2011-04-19 | 2011-04-19 | Method, server and system for realizing check security verification by mobilephone banking |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011100978928A CN102316150B (en) | 2011-04-19 | 2011-04-19 | Method, server and system for realizing check security verification by mobilephone banking |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN102316150A CN102316150A (en) | 2012-01-11 |
| CN102316150B true CN102316150B (en) | 2013-12-11 |
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| CN2011100978928A Active CN102316150B (en) | 2011-04-19 | 2011-04-19 | Method, server and system for realizing check security verification by mobilephone banking |
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| CN103346881A (en) * | 2013-06-14 | 2013-10-09 | 上海海基业高科技有限公司 | Cloud computing system of bank payment passwords and application method thereof |
| CN107622395B (en) * | 2017-09-28 | 2020-09-01 | 杭州恒生数据安全技术有限公司 | Payment password generation method, terminal, server and system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1233031A (en) * | 1998-04-23 | 1999-10-27 | 邵通 | Bill paying system |
| CN101571939A (en) * | 2008-04-30 | 2009-11-04 | 中国移动通信集团公司 | Method, device and system for using electronic checks for business transaction |
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| WO2008156392A1 (en) * | 2007-06-18 | 2008-12-24 | Telefonaktiebolaget Lm Ericsson (Publ) | Security for software defined radio terminals |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1233031A (en) * | 1998-04-23 | 1999-10-27 | 邵通 | Bill paying system |
| CN101571939A (en) * | 2008-04-30 | 2009-11-04 | 中国移动通信集团公司 | Method, device and system for using electronic checks for business transaction |
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