CN102340733A - Network bank account system for authenticating identity by use of mobile phone network and corresponding method thereof - Google Patents
Network bank account system for authenticating identity by use of mobile phone network and corresponding method thereof Download PDFInfo
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- CN102340733A CN102340733A CN2010102346059A CN201010234605A CN102340733A CN 102340733 A CN102340733 A CN 102340733A CN 2010102346059 A CN2010102346059 A CN 2010102346059A CN 201010234605 A CN201010234605 A CN 201010234605A CN 102340733 A CN102340733 A CN 102340733A
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Abstract
The invention discloses a network bank account system for authenticating identity by use of a mobile phone network and a corresponding method thereof. The method comprises: setting an SIM (subscriber identity module) card in a mobile terminal (2), and binding a bank account of a subscriber in a bank computer centre (3) with the SIM card in the mobile terminal (2) of the subscriber; when the subscriber is connected to the bank computer centre (3) to access the bank account of the subscriber through a mobile phone network (1) by using the mobile terminal (2), transmitting information sent to the bank computer centre (3) from the mobile terminal (2) by using a datagram as a carrier, wherein the datagram comprises identity information of the mobile terminal (2) accessed to the mobile phone network (1); and when the bank computer centre (3) checks that the identity information is in consistent with the SIM card identity bound with the bank account, and processing the information loaded by the datagram, so that the subscriber can perform various account activities, such as the balance inquiry, payment, transfer and the like, on the bank account.
Description
[technical field]
The present invention relates to mobile phone technology and network technology, particularly relate to a kind of Net silver system of accounts and correlation method that utilizes the mobile telephone network authenticating identity.
[background technology]
Development along with computer and mechanics of communication; The application of network is more and more universal; Especially the appearance of the Internet brings a lot of new application for bank service, can only go to the part business that bank counter is handled in the past; Can be wired to bank now and handle, for example inquire about account balance, transfer accounts, buy and sell foreign exchange, payment, the dealing of card labor or the like Net silver service through the Internet.When using these Net silver services, generally be the identity of verifying the user with user's account title and password,, just can use the Net silver service with user's identity then through checking as long as obtain user's account title and password.The method of this identifying user identity; Have an opportunity to take advantage of to the hacker; The hacker utilizes all means, steals user's personal information such as account title and password etc. through the Internet, uses the account title and the password fake user of stealing to use the Net silver service then; Steal the money in the account, make the user sustain a loss.This method through account title and password authentification user identity can not satisfy the high application of Net silver these security requirements of service.How effectively the identity of authentication Net silver service-user ensures that the user is not palmed off, and being one has problem to be solved.
[summary of the invention]
The object of the invention; Be to provide a kind of Net silver system of accounts and correlation method that utilizes the mobile telephone network authenticating identity; Utilize the function of mobile telephone network authenticated identity, come the identity of authentication Net silver service-user, with the Net silver account's that ensures the user safety.
The objective of the invention is to realize like this; Adopt a kind of like this Net silver system of accounts of utilizing the mobile telephone network authenticating identity; It is characterized in that described system includes mobile telephone network (1), each user's portable terminal (2), bank computer center (3), wherein; Mobile telephone network (1) and bank computer center (3) network connection mutually; Be provided with S IM card in the portable terminal (2), bank computer center (3) are provided with each user's bank account, and user's bank account is bound with the SIM in this user's the portable terminal (2) mutually; Mobile telephone network (1) carries out identity to the SIM in the portable terminal (2) that inserts and differentiates; After differentiating successfully, identity just allow this portable terminal (2) to insert mobile telephone network (1), and, when the user uses its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1); Adopting datagram is that the carrier transmission is sent the information to bank computer center (3) by portable terminal (2); Contain the identity information of this portable terminal (2) in mobile telephone network (1) in the described datagram, it is consistent that the identity of the SIM whether this identity information bind with this user's bank account is checked in bank computer center (3), checked result consistent when errorless bank computer center (3) just handle the contained information of this datagram; Let the user that this bank account is carried out all kinds of account activity, comprise the inquiry surplus, pay, transfer accounts etc.
In the present invention; Described portable terminal (2) adds the identity information of this portable terminal (2) in mobile telephone network (1) in the datagram that it sends, and; When mobile telephone network (1) is received the datagram that portable terminal (2) goes out; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the identity of this portable terminal (2) in mobile telephone network (1), and when checked result was consistent, mobile telephone network (1) just sent this datagram to the destination of this datagram; Be bank computer center (3), otherwise mobile telephone network (1) is given up this datagram.So just guaranteed that portable terminal (2) can only carry out communication through mobile telephone network (1) with the identity of its SIM; 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 (2) identity of access mobile telephone network (1).
For realizing the object of the invention; Also adopt a kind of like this Net silver system of accounts method of utilizing the mobile telephone network authenticating identity; It is characterized in that; Described method is included in the portable terminal (2) SIM is set; The SIM of user in the bank account of bank computer center (3) and this user's portable terminal (2) bound mutually, and, when the user uses its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1); Adopting datagram is that the carrier transmission is sent the information to bank computer center (3) by portable terminal (2); Contain this portable terminal (2) in the described datagram and insert the identity information in the mobile telephone network (1), it is consistent that the identity of the SIM whether this identity information bind with this user's bank account is checked in bank computer center (3), checked result consistent when errorless bank computer center (3) just handle the contained information of this datagram; Let the user that this bank account is carried out all kinds of account activity, comprise the inquiry surplus, pay, transfer accounts etc.
So just realized the object of the invention.
The Net silver system of accounts and the correlation method that utilizes the mobile telephone network authenticating identity of the present invention; Can let bank computer center (3) recognize the true identity of the portable terminal (2) of access bank accounts; Passing the hacker can't come fake user to use the Net silver service through account's logon name and the password of stealing the user, thereby ensures user's Net silver account's safety.
[description of drawings]
Fig. 1 is the schematic illustration of the Net silver system of accounts of the first embodiment of the present invention;
Fig. 2 is the schematic illustration of the Net silver system of accounts of the second embodiment of the present invention;
Among the figure, the system that identical digitized representation is identical, device, 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 Net silver system of accounts of the first embodiment of the present invention; System shown in Fig. 1 includes mobile telephone network (1), each user's portable terminal (2), bank computer center (3); Wherein, mobile telephone network (1) and bank computer center (3) network connection mutually, portable terminal is provided with SIM in (2); Bank computer center (3) is provided with each user's bank account; User's bank account is bound with the SIM in this user's the portable terminal (2) mutually, and mobile telephone network (1) carries out identity to the SIM in the portable terminal (2) that inserts to be differentiated, just allows this portable terminal (2) to insert mobile telephone network (1) after identity is differentiated successfully; And; When the user used its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1), adopting datagram was that the carrier transmission is sent the information to bank computer center (3) by portable terminal (2), contains the identity information of this portable terminal (2) in mobile telephone network (1) in the described datagram; It is consistent that the identity of the SIM whether this identity information bind with this user's bank account is checked at bank computer center (3); Checked result consistent when errorless bank computer center (3) just handle the contained information of this datagram, let the user that this bank account is carried out all kinds of account activity, comprise the inquiry surplus, pay, transfer accounts etc.
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.In addition; Described SIM 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.In addition; The present invention also can be applied to the account service that other relate to money except can being applied to the Net silver service, the online account service of for example online Stock Trading service or some financial institutions; Be bank computer center (3) and the bank account described in the present invention; Can be client's the bank account of account's computer center and this bank of bank, also can be client's the securities account of account's computer center and this bond house of bond house, or the client's of account's computer center of financial institution and this financial institution account or the like; Explanation is called bank computer center (3) and bank account in this manual without exception for ease.
Aspect being provided with, each portable terminal (2) need be provided with a SIM by mobile telephone network (1) distribution, the identity documents when this SIM is exactly portable terminal (2) access mobile telephone network (1) in advance.In the present invention; Described portable terminal (2) can be a mobile phone; Maybe can insert the electronic equipment of mobile telephone network; Maybe can insert the computer of mobile telephone network etc., in these electronic equipments or the computer, a general 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 equipment with computer and the communication of mobile telephone network line); As long as SIM is put into mobile phone Modem, computer just can adopt the identity of this SIM to insert mobile telephone network (1).
Aspect mobile telephone network (1); Mobile telephone network (1) will be used for transmitting the equipment of the datagram that portable terminal (2) sends at it; Increase the transmit leg identity information corresponding to function whether check datagram transmit leg identity and datagram content; When the user used its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1), portable terminal (2) added the identity information of this portable terminal (2) in mobile telephone network (1) in the datagram that it sends; And; When mobile telephone network (1) was received the datagram that portable terminal (2) goes out, whether the identity information that mobile telephone network (1) is checked in this datagram was consistent with the identity of this portable terminal (2) in mobile telephone network (1), when checked result is consistent; Mobile telephone network (1) just sends this datagram to the destination of this datagram; Be bank computer center (3), otherwise mobile telephone network (1) gives up this datagram, can make portable terminal (2) carry out communication like this with true identity and bank computer center (3).In addition; Except in the datagram of the information of sending, adding the identity information by portable terminal (2); In the time of also can receiving the datagram that portable terminal (2) sends by mobile telephone network (1); Mobile telephone network (1) adds the identity information of this portable terminal (2) in mobile telephone network (1) in this datagram, just this datagram is sent to the destination of this datagram then, i.e. bank computer center (3).No matter adopting by portable terminal (2) 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.
In the present invention; It is that the datagram that carrier will contain identity information sends bank computer center (3) to that portable terminal (2) adopts datagram; Identity information wherein can join in the datagram of the network layer that portable terminal (2) sent; Or join in the datagram of the transport layer that portable terminal (2) sent; Or join in the datagram of the data link layer that portable terminal (2) sent, also can identity information be joined in the data of application layer that portable terminal (2) sent or presentation layer or session layer, all can realize the object of the invention well.For example, when identity information is added the IP datagram that portable terminal (2) sent, can in the Optional Field of the IP datagram stem of being sent, increase identity information, just can let bank computer center (3) know the true identity of knowing portable terminal (2).Example adds the tcp data that portable terminal (2) sent with identity information and gives the correct time again, in the Option Field of the tcp data newspaper stem of being sent, increases identity information, can let the clear true identity of knowing portable terminal (2) in bank computer center (3) too.Example adds identity information in the UDP datagram that portable terminal (2) sent again, can let the clear true identity of knowing portable terminal (2) in bank computer center (3) equally.
Though in the present invention; Bank computer center (3) utilizes portable terminal (2) to insert the identity of mobile telephone network (1); Come authentication to be wired to the identity of the portable terminal (2) at this bank computer center (3); User's logon name and password also will be verified in bank computer center (3), just allows the user that its bank account is carried out all kinds of account activity after verifying successfully.About the checking of these logon names and password, general exactly the checking that user carried out of bank computer center to logining is some existing technology, so omitted the detailed description of this respect in this manual.
Of the present inventionly further improving, is that bank computer center (3) adopts the telephone number that distributed by mobile telephone network (1) as the network address or adopt the telephone number+domestic call area code of being distributed by mobile telephone network (1) as the network address or adopt the telephone number+domestic call area code+overseas call area code of being distributed by mobile telephone network (1) as the network address or adopt the telephone number+overseas call area code of being distributed by mobile telephone network (1) as the network address.Because people have been accustomed to the use telephone number; Can the phonovision number be unique; Telephone number has just been represented the approach of doing communication with someone or certain mechanism; Adopt telephone number to be directly perceived and to should be readily appreciated that, just can know that from telephone number the other side of communication is exactly bank computer center (3) as the benefit of the network address.In the present invention; Described domestic call area code is the on-site domestic subregion area code of mobile telephone network (1); Described overseas call area code is the area code of the on-site countries and regions of mobile telephone network (1), and this domestic call area code and overseas call area code are to distribute according to the E.164 standard of International Telecommunications Union.
In the above-mentioned network address; The ordering of described telephone number, domestic call area code, overseas call area code can adopt the accustomed ordering of common people, and promptly the overseas call area code up front; Followed is the domestic call area code, is only telephone number at last.Also can adopt opposite ordering; Promptly in the described network address; Described telephone number is positioned at the front of the network address; And/or described domestic call area code is arranged in the back of the telephone number of the network address, and/or described overseas call area code is arranged in the back of the telephone number of the network address, and/or described overseas call area code is arranged in the back of the domestic call area code of the network address.Thisly being accustomed to opposite ordering with common people, is more to meet people's input habit, is input most important parts earlier: telephone number; Just whether need to consider area code in the importer then; Have only visit when being in the bank computer center (3) of different telephone zones, just need be in importer after the telephone number area code, just consider whether need import international area code at last; When having only visit to be in the bank computer center (3) in country variant area; Just need in the end import international area code, through the arrangement of this ordering, simple and fast more just during the fan-in network address.
Except bank computer center (3) can adopt telephone number as the network address, the telephone number that also can adopt SIM is as identity information, and promptly described identity information is the telephone number of portable terminal (2) in mobile telephone network (1).The telephone number of portable terminal (2) mobile telephone network (1) just can directly be found from identity information in bank computer center (3) like this, just can confirm the true identity of portable terminal (2).
Consult Fig. 2; Fig. 2 is the schematic illustration of the Net silver system of accounts of the second embodiment of the present invention; Second embodiment of Fig. 2 compares with first embodiment of Fig. 1; The main difference part is among second embodiment; Mobile telephone network (1) by three tame different operating organizations is formed a larger mobile telephone network (1), and second embodiment also includes the different bank computer center (3) of four families, and they are respectively first mobile telephone network (1), second mobile telephone network (1), third mobile telephone network (1) and first bank computer center (3), second bank computer center (3), the third bank computer center (3), fourth bank computer center (3).Continue to consult Fig. 2; In the system shown in Fig. 2; Mutually direct phase network connectivity between each mobile telephone network (1); Each mobile telephone network (1) connects with different bank computer center (3) phase networks again; Mobile telephone network (1) can let each portable terminal (2) of inserting this mobile telephone network (1) be wired to and this mobile telephone network (1) bank computer center (3) of network connectivity mutually, also can let each portable terminal (2) that inserts this mobile telephone network (1), connects and other mobile telephone networks (1) bank computer center (3) of network connectivity mutually through this mobile telephone network (1).In the present embodiment; The larger mobile telephone network (1) that each mobile telephone network (1) is formed just is equal to the unique mobile telephone network (1) of first embodiment; Portable terminal (2) just can be wired to the bank account of arbitrary bank computer center (3) calling party through this mobile telephone network (1) as long as insert wherein arbitrary mobile telephone network (1).No matter adopting first or second embodiment, all can realize the object of the invention well, all is to belong to protection scope of the present invention.
Below specified the Net silver system of accounts 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.
The Net silver system of accounts and the correlation method that utilizes the mobile telephone network authenticating identity of the present invention; Can let bank computer center (3) recognize the true identity of the portable terminal (2) of access bank accounts; Thereby judge the whether portable terminal (2) bound of user's bank account of this portable terminal (2); The portable terminal (2) that has only the bank account that uses the user to bind could be visited this bank account, just can carry out all kinds of account activity, makes the hacker be difficult to the service of fake user use Net silver.Enforcement of the present invention can improve the fail safe of Net silver service, to Net silver user and bank ten minutes benifit all.
Claims (10)
1. Net silver system of accounts of utilizing the mobile telephone network authenticating identity; It is characterized in that; Described system includes mobile telephone network (1), each user's portable terminal (2), bank computer center (3); Wherein, mobile telephone network (1) and bank computer center (3) network connection mutually, portable terminal is provided with SIM in (2); Bank computer center (3) is provided with each user's bank account; User's bank account is bound with the SIM in this user's the portable terminal (2) mutually, and mobile telephone network (1) carries out identity to the SIM in the portable terminal (2) that inserts to be differentiated, just allows this portable terminal (2) to insert mobile telephone network (1) after identity is differentiated successfully; And; When the user used its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1), adopting datagram was that the carrier transmission is sent the information to bank computer center (3) by portable terminal (2), contains the identity information of this portable terminal (2) in mobile telephone network (1) in the described datagram; It is consistent that the identity of the SIM whether this identity information bind with this user's bank account is checked at bank computer center (3), checked result consistent when errorless bank computer center (3) just handle the contained information of this datagram.
2. the Net silver system of accounts of utilizing the mobile telephone network authenticating identity as claimed in claim 1; It is characterized in that; Described portable terminal (2) adds the identity information of this portable terminal (2) in mobile telephone network (1) in the datagram that it sends, and; When mobile telephone network (1) is received the datagram that portable terminal (2) goes out; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the identity of this portable terminal (2) in mobile telephone network (1), and when checked result was consistent, mobile telephone network (1) just sent this datagram to the destination of this datagram.
3. the Net silver system of accounts of utilizing 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 (2) sends; Mobile telephone network (1) adds the identity information of this portable terminal (2) in mobile telephone network (1) in this datagram, just this datagram is sent to the destination of this datagram then.
4. like the claim 1 or the 2 or 3 described Net silver system of accounts of utilizing the mobile telephone network authenticating identity, it is characterized in that described identity information is the telephone number of portable terminal (2) in mobile telephone network (1).
5. the Net silver system of accounts of utilizing the mobile telephone network authenticating identity as claimed in claim 1; It is characterized in that described bank computer center (3) adopts the telephone number that distributed by mobile telephone network (1) as the network address or adopt the telephone number+domestic call area code of being distributed by mobile telephone network (1) as the network address or adopt the telephone number+domestic call area code+overseas call area code of being distributed by mobile telephone network (1) as the network address or adopt the telephone number+overseas call area code of being distributed by mobile telephone network (1) as the network address.
6. the Net silver system of accounts of utilizing the mobile telephone network authenticating identity as claimed in claim 5; It is characterized in that; In the described network address, described telephone number is positioned at the front of the network address, and/or described domestic call area code is arranged in the back of the telephone number of the network address; And/or described overseas call area code is arranged in the back of the telephone number of the network address, and/or described overseas call area code is arranged in the back of the domestic call area code of the network address.
7. Net silver system of accounts method of utilizing the mobile telephone network authenticating identity; It is characterized in that; Described method is included in the portable terminal (2) SIM is set; The SIM of user in the bank account of bank computer center (3) and this user's portable terminal (2) bound mutually; And; When the user used its portable terminal (2) to be wired to the bank account of bank computer center (3) calling party through mobile telephone network (1), adopting datagram was that the carrier transmission is sent the information to bank computer center (3) by portable terminal (2), contains this portable terminal (2) in the described datagram and inserts the identity information in the mobile telephone network (1); It is consistent that the identity of the SIM whether this identity information bind with this user's bank account is checked at bank computer center (3), checked result consistent when errorless bank computer center (3) just handle the contained information of this datagram.
8. the Net silver system of accounts method of utilizing the mobile telephone network authenticating identity as claimed in claim 7; It is characterized in that; Described portable terminal (2) adds the identity information of this portable terminal (2) in mobile telephone network (1) in the datagram that it sends, and; When mobile telephone network (1) is received the datagram that portable terminal (2) goes out; Whether the identity information that mobile telephone network (1) is checked in this datagram is consistent with the identity of this portable terminal (2) in mobile telephone network (1), and when checked result was consistent, mobile telephone network (1) just sent this datagram to the destination of this datagram.
9. the Net silver system of accounts method of utilizing the mobile telephone network authenticating identity as claimed in claim 7; It is characterized in that; When described mobile telephone network (1) is received the datagram that portable terminal (2) sends; Mobile telephone network (1) adds the identity information of this portable terminal (2) in mobile telephone network (1) in this datagram, just this datagram is sent to the destination of this datagram then.
10. like claim 7 or the 8 or 9 described Net silver system of accounts methods of utilizing the mobile telephone network authenticating identity, it is characterized in that described identity information is the telephone number of portable terminal (2) in mobile telephone network (1).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102346059A CN102340733A (en) | 2010-07-22 | 2010-07-22 | Network bank account system for authenticating identity by use of mobile phone network and corresponding method thereof |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102346059A CN102340733A (en) | 2010-07-22 | 2010-07-22 | Network bank account system for authenticating identity by use of mobile phone network and corresponding method thereof |
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| CN2010102346059A Pending CN102340733A (en) | 2010-07-22 | 2010-07-22 | Network bank account system for authenticating identity by use of mobile phone network and corresponding method thereof |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104506491A (en) * | 2014-11-28 | 2015-04-08 | 小米科技有限责任公司 | Personal data account management method and device |
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| CN1547402A (en) * | 2003-12-11 | 2004-11-17 | �Ϻ���ǰ��Ϣ�Ƽ���չ����˾ | Reverse authentication system and reverse authentication method for identity registration handset short message |
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| CN104506491A (en) * | 2014-11-28 | 2015-04-08 | 小米科技有限责任公司 | Personal data account management method and device |
| CN104506491B (en) * | 2014-11-28 | 2018-11-23 | 小米科技有限责任公司 | Personal data accounts management method and device |
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Application publication date: 20120201 |