CN102340732A - Credit database system and corresponded method thereof for identity authentication by utilizing mobile phone network - Google Patents
Credit database system and corresponded method thereof for identity authentication by utilizing mobile phone network Download PDFInfo
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- CN102340732A CN102340732A CN201010234586XA CN201010234586A CN102340732A CN 102340732 A CN102340732 A CN 102340732A CN 201010234586X A CN201010234586X A CN 201010234586XA CN 201010234586 A CN201010234586 A CN 201010234586A CN 102340732 A CN102340732 A CN 102340732A
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Abstract
The invention relates to a credit database system and a corresponded method thereof for identity authentication by utilizing a mobile phone network. The system comprises: a mobile phone network (1); a mobile phone (2) of each user; a mobile terminal (3) of each querier; and a credit data server (4), which is provided with credit accounts of all the users. According to the method, a credit account is provided with an authorization list, wherein the authorization list is controlled by the user mobile phone (2) and records a telephone number that is capable of accessing the account; when a querier uses the mobile terminal (3) to make the credit data server (4) to be connected through the mobile phone network (1) and the credit account is accessed, the credit data server (4) checks whether there is a telephone number of the mobile terminal (3) on the authorization list of the accessed credit account; if there is no mistake after the check, the querier is allowed to access the credit account. According to the system and the method provided in the invention, it can be guaranteed that individual privacy of a user will not be consulted at random; and moreover, when necessary, the user is able to make an individual credit rating and a credit record of the user be open to a querier assigned by the user.
Description
[technical field]
The present invention relates to mobile communication technology and computer technology, particularly relate to a kind of credit document library system and correlation method that utilizes the mobile telephone network authenticating identity.
[background technology]
At present; Common people are when the bank and other financial mechanism apply for loan; Financial institution can examine applicant's credit record and grading, all is the credit record from personal credit data base querying applicants that department set up such as BRCs generally, and just whether decision criticizes out loan.Commerce cooperation between generally interpersonal, company and the company also often needs audit the other side's credit record and grading, determines whether cooperating with the other side; But present personal credit database does not open to the public, if the inquiry is not financial institution but individual or company; Generally to be looked into the people and sent certificate of entrustment to the personal credit database; The trusting inquirying person inquires about its credit record and grading, and formality is complicated, and is very inconvenient.How to let the inquiry under the agreement of being looked into the people, consult the credit record and the grading of being looked into the people whenever and wherever possible, being one has problem to be solved.
[summary of the invention]
The object of the invention; Be to provide a kind of credit document library system and correlation method that utilizes the mobile telephone network authenticating identity; Utilize the function of mobile telephone network authenticated identity; The person's that comes the authentication challenge identity lets the inquiry under the agreement of being looked into the people, consult the credit record and the grading of being looked into the people whenever and wherever possible.
The objective of the invention is to realize like this; Adopt a kind of like this credit document library system that utilizes the mobile telephone network authenticating identity; It is characterized in that; Described system includes mobile telephone network (1), each user's mobile phone (2), each inquiry's portable terminal (3), credit Information Service device (4); Wherein, mobile telephone network (1) and credit Information Service device (4) network connection mutually, portable terminal is provided with SIM in (3); Can use the identity of this SIM to insert mobile telephone network (1); Credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record, and user's credit account is bound with this user's mobile phone (2) telephone number mutually, and credit account is provided with one and authorizes list; Authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3); And when the inquiry used its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1), adopting datagram was that the carrier transmission is sent the information to credit Information Service device (4) by portable terminal (3); Contain the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information; Credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account, checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).
In the present invention; Described portable terminal (3) is in the datagram that it sends; Add the telephone number of this portable terminal (3) in mobile telephone network (1) as identity information, and, when mobile telephone network (1) is received the datagram that portable terminal (3) sends; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the telephone number of this portable terminal (3) in mobile telephone network (1); When checked result was consistent, mobile telephone network (1) just sent this datagram to the destination address of this datagram, otherwise mobile telephone network (1) is given up this datagram.So just guaranteed that portable terminal (3) can only insert mobile telephone network (1) with the identity of its SIM, and sent datagram, just must adopt true identity just can be wired to credit Information Service device (4) with true identity.Because the uniqueness of SIM; And be difficult to duplicate; The SIM identity process that adds the terminal that mobile telephone network (1) authentication inserts is very tight safe and reliable, even there is the people to duplicate SIM, when mobile telephone network (1) discovery has the terminal of common identity to insert; Mobile telephone network (1) can pipe off by instant SIM with this common identity; Order uses the terminal of this SIM identity can not access network, makes the identity that the SIM that duplicates can not successful fake user, has guaranteed the authenticity of each portable terminal (3) identity of access mobile telephone network (1).In addition; Except the portable terminal (3) by transmit leg adds the identity information in datagram; In the time of also can receiving the datagram that portable terminal (3) sends by mobile telephone network (1); Mobile telephone network (1) adds the telephone number of this portable terminal (3) in mobile telephone network (1) in this datagram as identity information, just this datagram is sent to the destination address of this datagram then.No matter adopting by portable terminal (3) identity information is added in the datagram, or adopt and by mobile telephone network (1) identity information to be added in the datagram, all can realize the object of the invention well, all is to belong to protection scope of the present invention.
For realizing the object of the invention; Also adopt a kind of like this credit document library system method of utilizing the mobile telephone network authenticating identity; It is characterized in that; Described method is included in inquiry's the portable terminal (3) SIM is set, and credit Information Service device (4) is set, and credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record; User's credit account is bound with this user's mobile phone (2) telephone number mutually; Credit account also is provided with one and authorizes list, and authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3), and; When the inquiry uses its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1); Adopting datagram is that carrier transmits and sends the information to credit Information Service device (4) by portable terminal (3), contains the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information, and credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account; Checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).In addition, described method comprises that also the user uses its mobile phone (2) to revise the step of the mandate list of the credit account that this mobile phone (2) telephone number binds, and comprises the telephone number in increase/delete authority list.
So just realized the object of the invention.
Credit document library system and the correlation method that utilizes the mobile telephone network authenticating identity of the present invention; The privacy of the individual that both can ensure the user can arbitrarily not consulted by the people, can when the user needs, let the user with its personal credit's grading and the open inquiry to user's appointment of record again.
[description of drawings]
Fig. 1 is the schematic illustration of the credit document library system of the first embodiment of the present invention;
Among the figure, the device that identical digitized representation is identical, parts device, accompanying drawing are schematically, in order to principal character of the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is done further explain.
Consult Fig. 1; Fig. 1 is the schematic illustration of the credit document library system of the first embodiment of the present invention; System shown in Fig. 1 includes mobile telephone network (1), each user's mobile phone (2), each inquiry's portable terminal (3), credit Information Service device (4); Wherein, mobile telephone network (1) and credit Information Service device (4) network connection mutually, portable terminal is provided with SIM in (3); Can use the identity of this SIM to insert mobile telephone network (1); Credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record, and user's credit account is bound with this user's mobile phone (2) telephone number mutually, and credit account is provided with one and authorizes list; Authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3); And when the inquiry used its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1), adopting datagram was that the carrier transmission is sent the information to credit Information Service device (4) by portable terminal (3); Contain the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information; Credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account, checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).
The method that is adopted as for the credit document library system that utilizes the mobile telephone network authenticating identity of the present invention; Be included in each inquiry's the portable terminal (3) SIM is set; And credit Information Service device (4) is set; Credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record; User's credit account is bound with this user's mobile phone (2) telephone number mutually; Credit account also is provided with one and authorizes list, and authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3), and; When the inquiry uses its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1); Adopting datagram is that carrier transmits and sends the information to credit Information Service device (4) by portable terminal (3), contains the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information, and credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account; Checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).In addition, described method comprises that also the user uses its mobile phone (2) to revise the step of the mandate list of the credit account that this mobile phone (2) telephone number binds, and comprises the telephone number in increase/delete authority list.
Mobile telephone network of the present invention (1); The mobile telephone network that comprises GSM, CDMA, TD-SCDMA, 3G, 4G or the like and so on different systems; So long as adopt SIM to come the mobile telephone network of authenticated identity; All be the mobile telephone network (1) of indication of the present invention, and described mobile phone (2) is meant and the mobile phone of the identical standard of described mobile telephone network (1), can insert mobile telephone network (1) and converse, receives and dispatches work such as short message, communication.In addition; The SIM of described portable terminal (3) is meant the smart card of the user identity identification data that are used to preserve the mobile phone service; Usim card or the like that comprises the SIM that is used for gsm mobile telephone, the RUIM card that is used for the CDMA2000 mobile phone, the UIM card that is used for the cdmaOne mobile phone, the usim card that is used for the 3G mobile phone, is used for the TD-SCDMA mobile phone and so on is used for the smart card of authentication mobile telephone network user identity; Explanation is called SIM in the present invention without exception for ease.
Aspect being provided with, each portable terminal (3) need be provided with a SIM by mobile telephone network (1) distribution, the identity documents when this SIM is exactly portable terminal (3) access mobile telephone network (1) in advance.In the present invention; Described portable terminal (3) is to insert the electronic equipment that mobile telephone network (1) carries out data communication; Can be mobile phone, PDA, computer or the like; Or some can insert electronic equipment such as e-book of mobile telephone network (1) or the like; In these electronic equipments, except mobile phone, all the other generally all built-in or external mobile phone Modem (for example GSM Modem, 3G Modem, CDMA Modem, TD-SCDMA Modem, GPRS Modem, LTE Modem or the like and so on are used for the device with computer or electronic equipment and the communication of mobile telephone network line); As long as SIM is put into mobile phone Modem, these computers or electronic equipment just can adopt the identity access mobile telephone network (1) of this SIM to carry out data communication.
Aspect mobile telephone network (1); Because portable terminal (3) is in the datagram that it sends; Add the telephone number of this portable terminal (3) in mobile telephone network (1) as identity information; So mobile telephone network (1) will be used for transmitting the equipment of the datagram that portable terminal (3) sends at it; Increase the identity information corresponding to function whether check telephone number and the datagram content of portable terminal (3) in mobile telephone network (1) of sending this datagram; When mobile telephone network (1) was received the datagram that portable terminal (3) sends, whether the identity information that mobile telephone network (1) is checked in this datagram was consistent with the telephone number of this portable terminal (3) in mobile telephone network (1), when checked result is consistent; Mobile telephone network (1) just sends this datagram to the destination address of this datagram, otherwise mobile telephone network (1) is given up this datagram.Except in datagram, adding the identity information by portable terminal (3); In the time of also can receiving the datagram that portable terminal (3) sends by mobile telephone network (1); Mobile telephone network (1) adds the telephone number of this portable terminal (3) in mobile telephone network (1) in this datagram as identity information, just this datagram is sent to the destination address of this datagram then.Can guarantee each portable terminal (3) in the mobile telephone network (1) like this, can only be wired to credit Information Service device (4) through mobile telephone network (1) with real identity and carry out data communication.
At customer-side; The user will register his mobile phone (2) telephone number at credit Information Service device (4); His credit account is bound with its mobile phone (2) telephone number mutually; The user could use its mobile phone (2) to revise the step of the mandate list of the credit account that this mobile phone (2) telephone number binds, and comprises the telephone number in increase/delete authority list.
In the credit document library system method of utilizing the mobile telephone network authenticating identity of the present invention, also comprising following step, is the user increases telephone number in the mandate list of its credit account step, and concrete step is following:
A1. the user uses its mobile phone (2) to send short messages breath to credit Information Service device (4) through mobile telephone network (1); Described short message content comprises representative increases the information of telephone number instruction and the telephone number of needs adding; For example " A " representative increases the telephone number instruction; The telephone number that needs to add is 13902966788; The user just representes that the user need add telephone number 13902966788 in the mandate list as long as " A13902966788 " sent to credit Information Service device (4) with short message;
A2. after credit Information Service device (4) is received this short message; Find out the information and the telephone number that needs to add that representative increases the telephone number instruction from the content of this short message; Find out corresponding credit account from the source telephone number of this short message, the telephone number that will add after the confirmation joins in the mandate list of this credit account;
A3. credit Information Service device (4) breath of sending short messages is given user's mobile phone (2), reply this user success increases in the mandate list of its credit account need the telephone number that adds.
The user is except can increase the telephone number in the mandate list of its credit account at any time; In the credit document library system method of utilizing the mobile telephone network authenticating identity of the present invention; Also comprise following step; Be the user deletes telephone number in the mandate list of its credit account step, concrete step is following:
B1. the user uses its mobile phone (2) to send short messages breath to credit Information Service device (4) through mobile telephone network (1); Described short message content comprises the information of representative deletion telephone number instruction and the telephone number of being deleted; For example " D " representative deletion telephone number instruction; Needing the telephone number of deletion is 13902966788; The user just representes that the user need delete telephone number 13902966788 in authorizing list as long as " D13902966788 " sent to credit Information Service device (4) with short message;
B2. after credit Information Service device (4) is received this short message; Find out the information of representative deletion telephone number instruction and the telephone number of being deleted from the content of this short message; Find out corresponding credit account from the source telephone number of this short message; In the mandate list of this credit account, find out the telephone number that this is deleted, the telephone number of after the confirmation this quilt being deleted is deleted in this mandate list;
B3. credit Information Service device (4) breath of sending short messages is given user's mobile phone (2), reply this user success in the mandate list of this credit account, with this telephone number of being deleted deletion.
More than relevant in authorizing list the step of increase/deletion telephone number, be initiatively to use its mobile phone (2) that the mandate list of its credit account is made amendment by user oneself.In the present invention, in the time of also can being employed in the credit account of inquiry's inquiring user, just the telephone number of inquiry's portable terminal (3) is added in the mandate list by the user.When adopting this method; When credit Information Service device (4) finds that the inquiry's of visit credit account the telephone number of portable terminal (3) in mobile telephone network (1) is not the arbitrary telephone number in the mandate list of this credit account; The mobile phone (2) that credit Information Service device (4) is issued the telephone number that this credit account binds with the telephone number of this inquiry's portable terminal (3) with short message is notified the user; After the user receives this short message through its mobile phone (2), add in the mandate list of this credit account, just add the content answer credit Information Service device (4) that representative is agreed at this short message content like the telephone number of agreement with this inquiry's portable terminal (3); For example " OK " representative is agreed; The user replys credit Information Service device (4) then as long as add " OK " at short message content, just representes that the user agrees the telephone number of this portable terminal (3) is added in the mandate list; If just disagree with and to comprehend this short message; When credit Information Service device (4) is received the short message of answer, check short message content contain content that representative agrees errorless after, this portable terminal (3) telephone number is added in the mandate list of this credit account; Let this inquiry can visit this credit account; And credit Information Service device (4) is deleted the telephone number of this portable terminal (3) from the mandate list of this credit account after this inquiry visits this credit account.
In the present invention, portable terminal (3) sends in the datagram of credit Information Service device (4), needs to add the identity information of transmit leg; Be the telephone number of portable terminal (3) in mobile telephone network (1); This identity information can join in the datagram of network layer, or joins in the datagram of transport layer, or joins in the datagram of data link layer; Also can identity information be joined in the data of application layer or presentation layer or session layer, all can realize the object of the invention well.For example identity information is joined portable terminal (3) and send in the Optional Field of IP datagram stem of credit Information Service device (4), just can let the clear true identity of knowing transmit leg of credit Information Service device (4).For example identity information is joined portable terminal (3) again and send in the Option Field of tcp data newspaper stem of credit Information Service device (4), can let the clear true identity of knowing transmit leg of credit Information Service device (4) too.For example identity information is joined portable terminal (3) again and send in the UDP datagram of credit Information Service device (4), can let credit Information Service device (4) know the true identity of knowing transmit leg equally.
Below specified credit document library system and the correlation method that utilizes the mobile telephone network authenticating identity of the present invention; Though the present invention explains with each above-mentioned embodiment; But the present invention is not limited to this; Under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation, all be to belong to protection scope of the present invention.
Credit document library system and the correlation method that utilizes the mobile telephone network authenticating identity of the present invention; Utilize the function of mobile telephone network authenticated identity; The person's that comes the authentication challenge identity; The privacy of the individual that both can ensure the user can arbitrarily not consulted by the people, can when the user needs, let the user with its personal credit's grading and the open inquiry to user's appointment of record again.Enforcement of the present invention can be the both sides of the commerce cooperation between interpersonal, company and the company, and a kind of not only convenient but also easy-to-use inquiry the other side personal credit grading and the means of record are provided, to the both sides of cooperation benifit very all.
Claims (10)
1. credit document library system that utilizes the mobile telephone network authenticating identity; It is characterized in that; Described system includes mobile telephone network (1), each user's mobile phone (2), each inquiry's portable terminal (3), credit Information Service device (4); Wherein, Mobile telephone network (1) and credit Information Service device (4) network connection mutually, portable terminal (3) can insert mobile telephone network (1), and credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record; User's credit account is bound with this user's mobile phone (2) telephone number mutually; Credit account is provided with one and authorizes list, and authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3), and; When the inquiry uses its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1); Adopting datagram is that carrier transmits and sends the information to credit Information Service device (4) by portable terminal (3), contains the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information, and credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account; Checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).
2. the credit document library system that utilizes the mobile telephone network authenticating identity as claimed in claim 1; It is characterized in that; Described portable terminal (3) adds the telephone number of this portable terminal (3) in mobile telephone network (1) as identity information in the datagram that it sends, and; When mobile telephone network (1) is received the datagram that portable terminal (3) sends; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the telephone number of this portable terminal (3) in mobile telephone network (1), and when checked result was consistent, mobile telephone network (1) just sent this datagram to the destination address of this datagram.
3. the credit document library system that utilizes the mobile telephone network authenticating identity as claimed in claim 1; It is characterized in that; When described mobile telephone network (1) is received the datagram that portable terminal (3) sends; Mobile telephone network (1) adds the telephone number of this portable terminal (3) in mobile telephone network (1) in this datagram as identity information, just this datagram is sent to the destination address of this datagram then.
4. credit document library system method of utilizing the mobile telephone network authenticating identity; It is characterized in that; Described method comprises credit Information Service device (4) is set; Credit Information Service device (4) is provided with and is used to store each user's the personal credit's grading and the credit account of record; User's credit account is bound with this user's mobile phone (2) telephone number mutually; Credit account also is provided with one and authorizes list, and authorize the name unirecord and can visit the telephone number of each inquiry's of this credit account portable terminal (3), and; When the inquiry uses its portable terminal (3) to be wired to credit Information Service device (4) visit credit account through mobile telephone network (1); Adopting datagram is that carrier transmits and sends the information to credit Information Service device (4) by portable terminal (3), contains the telephone number of this portable terminal (3) in mobile telephone network (1) in the described datagram as identity information, and credit Information Service device (4) is checked this identity information whether with consistent by one of them telephone number of the mandate list of visit credit account; Checked result consistent when errorless credit Information Service device (4) just handle the contained information of this datagram, let this inquiry visit this credit account through its portable terminal (3).
5. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 4; It is characterized in that; Described portable terminal (3) adds the telephone number of this portable terminal (3) in mobile telephone network (1) as identity information in the datagram that it sends, and; When mobile telephone network (1) is received the datagram that portable terminal (3) sends; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the telephone number of this portable terminal (3) in mobile telephone network (1), and when checked result was consistent, mobile telephone network (1) just sent this datagram to the destination address of this datagram.
6. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 4; It is characterized in that; When described mobile telephone network (1) is received the datagram that portable terminal (3) sends; Mobile telephone network (1) adds the telephone number of this portable terminal (3) in mobile telephone network (1) in this datagram as identity information, just this datagram is sent to the destination address of this datagram then.
7. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 4; It is characterized in that; Described method comprises that also the user uses its mobile phone (2) to revise the step of the mandate list of the credit account that this mobile phone (2) telephone number binds, and comprises the telephone number in increase/delete authority list.
8. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 7; It is characterized in that; Described method also comprises following step, is the user increases telephone number in the mandate list of its credit account step, and concrete step is following:
A1. the user uses its mobile phone (2) to send short messages breath to credit Information Service device (4) through mobile telephone network (1), and described short message content comprises representative increases the information of telephone number instruction and the telephone number of needs adding;
A2. after credit Information Service device (4) is received this short message; Find out the information and the telephone number that needs to add that representative increases the telephone number instruction from the content of this short message; Find out corresponding credit account from the source telephone number of this short message, the telephone number that will add after the confirmation joins in the mandate list of this credit account;
A3. credit Information Service device (4) breath of sending short messages is given user's mobile phone (2), reply this user success increases in the mandate list of its credit account need the telephone number that adds.
9. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 7; It is characterized in that; Described method also comprises following step, is the user deletes telephone number in the mandate list of its credit account step, and concrete step is following:
B1. the user uses its mobile phone (2) to send short messages breath to credit Information Service device (4) through mobile telephone network (1), and described short message content comprises the information of representative deletion telephone number instruction and the telephone number of being deleted;
B2. after credit Information Service device (4) is received this short message; Find out the information of representative deletion telephone number instruction and the telephone number of being deleted from the content of this short message; Find out corresponding credit account from the source telephone number of this short message; In the mandate list of this credit account, find out the telephone number that this is deleted, the telephone number of after the confirmation this quilt being deleted is deleted in this mandate list;
B3. credit Information Service device (4) breath of sending short messages is given user's mobile phone (2), reply this user success in the mandate list of this credit account, with this telephone number of being deleted deletion.
10. the credit document library system method of utilizing the mobile telephone network authenticating identity as claimed in claim 4; It is characterized in that; When credit Information Service device (4) finds that the inquiry's of visit credit account the telephone number of portable terminal (3) in mobile telephone network (1) is not the arbitrary telephone number in the mandate list of this credit account; The mobile phone (2) that credit Information Service device (4) is issued the telephone number that this credit account binds with the telephone number of this inquiry's portable terminal (3) with short message is notified the user; After the user receives this short message through its mobile phone (2); Add in the mandate list of this credit account like the telephone number of agreement, just add the content answer credit Information Service device (4) that representative is agreed, when credit Information Service device (4) is received the short message of answer at this short message content with this inquiry's portable terminal (3); Check short message content contain content that representative agrees errorless after; This portable terminal (3) telephone number is added in the mandate list of this credit account, let this inquiry can visit this credit account, and; Credit Information Service device (4) is deleted the telephone number of this portable terminal (3) from the mandate list of this credit account after this inquiry visits this credit account.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201010234586XA CN102340732A (en) | 2010-07-22 | 2010-07-22 | Credit database system and corresponded method thereof for identity authentication by utilizing mobile phone network |
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| CN201010234586XA CN102340732A (en) | 2010-07-22 | 2010-07-22 | Credit database system and corresponded method thereof for identity authentication by utilizing mobile phone network |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105577636A (en) * | 2015-08-18 | 2016-05-11 | 上海云联计算机系统有限公司 | Communication network information transmission method and device thereof |
| CN109636571A (en) * | 2018-10-25 | 2019-04-16 | 深圳壹账通智能科技有限公司 | Risk analysis method, device, equipment and readable storage medium storing program for executing |
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2010
- 2010-07-22 CN CN201010234586XA patent/CN102340732A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105577636A (en) * | 2015-08-18 | 2016-05-11 | 上海云联计算机系统有限公司 | Communication network information transmission method and device thereof |
| CN109636571A (en) * | 2018-10-25 | 2019-04-16 | 深圳壹账通智能科技有限公司 | Risk analysis method, device, equipment and readable storage medium storing program for executing |
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Application publication date: 20120201 |