CN103903129A - Remitting system and remitting method realized based on text message mode - Google Patents
Remitting system and remitting method realized based on text message mode Download PDFInfo
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- CN103903129A CN103903129A CN201210585049.9A CN201210585049A CN103903129A CN 103903129 A CN103903129 A CN 103903129A CN 201210585049 A CN201210585049 A CN 201210585049A CN 103903129 A CN103903129 A CN 103903129A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Abstract
The invention discloses a remitting system and a remitting method realized based on a text message mode. First, a remitter initiates a remittance request at a proxy terminal, the proxy terminal initiates a remittance text message to a remittance service processing platform according to the remittance request data of the remitter, and the remittance service processing platform transfers fund, corresponding to the remittance account, in an electronic account of the proxy terminal to an electronic account of the platform according to the remittance text message and sends a withdrawal text message to a withdrawer. Then, the withdrawer withdraws money at the proxy terminal by virtue of the withdrawal text message, the proxy terminal initiates the withdrawal text message to the remittance service processing platform according to the remittance request data of the remitter, the remittance service processing platform transfers fund, corresponding to the remittance account, in the electronic account of the platform to an electronic account of the proxy terminal according to the withdrawal text message, and the withdrawer withdraws money at the proxy terminal. By adopting the method, a user can remit and withdraw money at a proxy terminal nearby through a text message mode, and the problem of remittance in underdeveloped areas is solved. Moreover, the method is low in cost and high in efficiency.
Description
Technical field
The present invention relates to electronic banking field, be specifically related to a kind of funds transfer system and method realizing based on short message mode.
Background technology
At present, network Development is rapid, in big city, people can use network mode, or handle remittance to site, business hall, the business such as transfer accounts, but in some remote mountain villages, with underdeveloped countries of the third world, PC and lobby site often do not cover, and set up lobby cost higher yet, handle remittance business very inconvenient, this is, cheaply solution convenient in the urgent need to one just.The present invention has proposed a kind of funds transfer system and method realizing based on note short message mode for the problems referred to above just.
Summary of the invention
For the defect existing in prior art, the object of the present invention is to provide a kind of money transfer method and system realizing based on short message mode, realize remittance business by short message mode.
For achieving the above object, the technical solution used in the present invention is as follows:
A funds transfer system of realizing based on short message mode, comprising:
Proxy terminal: for initiating remittance note according to the remittance request msg of transferor to remittance service process platform, initiate to withdraw the money note according to the request msg of withdrawing the money of beneficiary to remittance service process platform; Sms center: for the reception and the forwarding that provide wireless air network to complete note;
Remittance service process platform: the money transfer amount of proxy terminal electronic account is proceeded to platform electronic account for the remittance note according to proxy terminal; Proceed to proxy terminal electronic account according to the note of withdrawing the money of the proxy terminal amount of money of withdrawing the money by platform electronic account, and send to remittee the notifying messages of withdrawing the money according to remittance note.
Further, a kind of funds transfer system of realizing based on short message mode as above, described proxy terminal sends remittance note and the note of withdrawing the money by its intellective IC card and mobile terminal to remittance service process platform.
The money transfer method realizing based on short message mode, comprises the following steps:
(1) remitter initiates remittance request at proxy terminal, and proxy terminal is initiated remittance note according to remitter's remittance request msg to remittance service process platform;
(2) remittance service process platform, according to remittance note, proceeds to platform electronic account by fund corresponding with money transfer amount in proxy terminal electronic account, and sends to remittee the notifying messages of withdrawing the money;
(3) remittee relies on the notifying messages of withdrawing the money to be withdrawn the money to proxy terminal, and proxy terminal initiates to withdraw the money note according to remittee's the request msg of withdrawing the money to remittance service process platform;
(4) remittance service process platform, according to withdrawing the money note, proceeds to proxy terminal electronic account by fund corresponding with the amount of money of withdrawing the money in platform electronic account.
Further, a kind of money transfer method realizing based on short message mode as above, in step (1), described remittance request msg comprises remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number.
Further, a kind of money transfer method realizing based on short message mode as above, in step (2), the described notifying messages of withdrawing the money comprises the amount of money of withdrawing the money, transaction sequence number, disposable identifying code and sender name.
Further, a kind of money transfer method realizing based on short message mode as above, in step (3), the described note of withdrawing the money comprises money transfer amount, transaction sequence number, disposable identifying code and sender name; The described request msg of withdrawing the money comprises remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money.
Further, a kind of money transfer method realizing based on short message mode as above, in step (3), remittee loses while withdrawing the money notifying messages, remittee provides to proxy terminal the verification msg of withdrawing the money, proxy terminal sends short message enquiry according to the verification msg of withdrawing the money to remittance service process platform, and remittance service process platform carries out again sending to remittee the notifying messages of withdrawing the money after revene lookup to short message enquiry; The described verification msg of withdrawing the money comprises sender name, remitter's cell-phone number, remittee's name and remittee's cell-phone number.
Further, a kind of money transfer method realizing based on short message mode as above, proxy terminal sends remittance note or withdraws the money before note to remittance service process platform, carries out identity registration to the server of remittance service process platform.
Further, a kind of money transfer method realizing based on short message mode as above, when proxy terminal sends remittance note or withdraws the money note to remittance service process platform, remittance service process platform can be carried out authentication to proxy terminal, confirms whether proxy terminal is legal proxy terminal.
Further, a kind of money transfer method realizing based on short message mode as above, the concrete mode that service process platform is carried out authentication to proxy terminal is:
Each symmetrical master key PINMK that preserves 16 bytes in the intelligent IC of remittance service process platform and proxy terminal;
When proxy terminal sends note, intellective IC card uses IMSI to disperse PINMK, generates PIN sub-key, and uses PIN sub-key to be encrypted and to obtain PIN ciphertext the PIN of proxy terminal;
When proxy terminal carries out identity registration, remittance service process platform adopts identical cryptographic algorithm while sending note with proxy terminal to be encrypted the PIN of proxy terminal, and PIN ciphertext is saved in the server of remittance service process platform;
When proxy terminal is carried out to authentication, whether the PIN ciphertext that the PIN ciphertext of preserving in contrast remittance service process platform server generates while sending note with proxy terminal is consistent, if be verified, is legal proxy terminal; Authentication failed is if not illegal proxy terminal, Fail Transaction.
Further, a kind of money transfer method realizing based on short message mode as above, is used IMSI to disperse the detailed process that generates sub-key to be to PINMK:
1) make it be filled into the digital Y of 16 left IMSI benefit one " 0 ";
2) sexadecimal number using Y as 8 bytes, obtains Y ' with the sexadecimal number step-by-step XOR of the full F of 8 byte;
3) use symmetrical master key that Y 3DES-ECB pattern is encrypted and obtained Z ';
4) use symmetrical master key that Y ' 3DES-ECB pattern is encrypted and obtained Z ";
5) by Z ' and Z " be connected and obtain sub-key Z.
Further, a kind of money transfer method realizing based on short message mode as above, the concrete mode that uses sub-key to be encrypted PIN is:
A. the hexadecimal representation of the ASCII character of the PIN of user's input is X, adds 1 " 80 " byte at the low order end of X, and " 00 " that supplements some bytes at low order end obtains Y again
1, Y after making to supplement
1message length be the integral multiple of 8 bytes;
B. use sub-key 3DES-ECB pattern to encrypt Y
1pIN ciphertext Z when encryption obtains proxy terminal transmission note
1.
Further, a kind of money transfer method realizing based on short message mode as above, the note that proxy terminal sends to remittance service process platform, and the note that remittance service process platform sends to proxy terminal all adopts symmetrical encryption and decryption and calculates the security mechanism of MAC check code.
Further, a kind of money transfer method realizing based on short message mode as above, the concrete mode of note encryption and decryption is: the intellective IC card of proxy terminal is respectively preserved N group symmetric key and the cryptographic algorithm of agreement with remittance service process platform, and adopts random number way to generate the cipher key index of N group symmetric key;
SMS encryption mode: encryption side selectes cipher key index, is used the corresponding key of cipher key index to be encrypted note, obtains encrypting message body, and cipher key index is composed in heading;
Note manner of decryption: deciphering side takes out the cipher key index in heading, takes out local counterpart keys of preserving according to cipher key index; Use counterpart keys to be decrypted encrypting message body, obtain note expressly;
When proxy terminal sends remittance note and withdraws the money note, the intellective IC card of proxy terminal is encryption side, and remittance service process platform is deciphering side; In the time that remittance service process platform sends note to proxy terminal, remittance service process platform is encryption side, and the intellective IC card of proxy terminal is deciphering side.
Further, a kind of money transfer method realizing based on short message mode as above, calculating and the verification mode of described MAC check code are: the intellective IC card of proxy terminal is respectively preserved M group MAC symmetric key and the cryptographic algorithm of agreement with remittance service process platform, and adopt random number way to generate the MAC cipher key index of M group MAC symmetric key;
While calculating MAC: calculating side selectes MAC cipher key index, use MAC symmetric key corresponding to MAC cipher key index to calculate MAC value to encrypting message body, MAC cipher key index is composed in heading simultaneously, MAC value is composed in the ending of encrypting message body;
When verification MAC: verification side takes out the MAC cipher key index in heading, take out the local MAC symmetric key of preserving according to MAC cipher key index, use MAC counterpart keys to calculate MAC value to encrypting message body, and whether the MAC value that comparing calculation obtains is identical with the MAC value that transmit leg calculates, if verification succeeds, receives message legal; Verification failure, is invalid packet if not;
Described transmit leg is the intellective IC card of proxy terminal, and verification side is remittance service process platform.
Further, a kind of money transfer method realizing based on short message mode as above, carries out symmetrical encryption and decryption and calculates after MAC check code note, and note is carried out to cascade note treatment mechanism, and the concrete mode of note cascade processing is:
For note transmit leg: using heading, encrypt message body and verification MAC carries out cascade processing as message entirety, note is split according to the load-bearing capacity of setting byte, obtain many note messages, many note messages are sent one by one; And note batch number, note sum and note index are composed in cascade note head;
For note take over party: according to the note batch number in cascade note head, note sum and current note index, many note messages of receiving are assembled, obtained complete note data.
Further, a kind of money transfer method realizing based on short message mode as above, the form of described note is the mode of cascade note head and the combination of note message; Cascade note head comprises note batch number, note sum and current note index; Note message comprises heading, encrypts message body and check code MAC.
Further, a kind of money transfer method realizing based on short message mode as above, the concrete mode that remitter remits money by proxy terminal is:
Proxy terminal is initiated remittance note according to remittance request msg to remittance service process platform;
Remittance service process platform is carried out cascade processing to remittance note, obtains complete note data;
Note data is carried out to MAC verification;
By encryption message body being decrypted and obtaining note clear data after verification;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, judge by transaction journal number whether transaction is repeat business, if return to notifying messages to proxy terminal, the fund in proxy terminal electronic account corresponding money transfer agent terminal is proceeded to platform electronic account if not;
Remittance result is sent to money transfer agent terminal and remitter by remittance service process platform, and send to remittee the note of withdrawing the money.
Further again, a kind of money transfer method realizing based on short message mode as above, the concrete mode that remittee withdraws the money by proxy terminal is:
Remittee provides to proxy terminal the request msg of withdrawing the money, and proxy terminal initiates to withdraw the money note according to the request msg of withdrawing the money to remittance service process platform; The described request msg of withdrawing the money comprises: remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money;
Remittance service process platform, to the note cascade processing of withdrawing the money, obtains complete note data;
Note data is carried out to MAC verification;
By encryption message body being decrypted and obtaining note clear data after verification;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, judge by transaction journal number whether transaction is repeat business, if return to notifying messages to proxy terminal, the withdraw the money correctness of request msg of checking if not;
Judge that whether disposable identifying code is expired, if Fail Transaction proceeds to by the counter fund in platform electronic account the proxy terminal electronic account of withdrawing the money if not;
The remittance service process platform result of withdrawing the money sends to withdraw the money proxy terminal and remitter, and the proxy terminal of the withdrawing the money amount of money of withdrawing the money is given remittee with cash base.
Further, a kind of money transfer method realizing based on short message mode as above, in step (3), remittee has lost while withdrawing the money notifying messages, and concrete mode from the notifying messages of withdrawing the money to remittance service process platform that again obtain is:
Remittee provides to proxy terminal the verification msg of withdrawing the money, and proxy terminal is initiated short message enquiry to remittance service process platform; Service process platform is carried out cascade processing to request note, obtains complete note data;
Note data is carried out to mac authentication;
By being decrypted encrypting message body after mac authentication, obtain note expressly;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, whether inquiry has the transaction of not withdrawing the money to exist, and sends if not notifying messages to proxy terminal; If judge that whether disposable identifying code is expired, to upgrade identifying code if expired and send the new note of withdrawing the money to remittee, the note of again withdrawing the money if not out of date sends to remittee, and result is returned to proxy terminal.
Beneficial effect of the present invention is: the invention provides the money transfer method and the system that realize based on short message mode, the method and system only need to develop the proxy terminal that has a mobile terminal just can realize remittance, solve the remittance problem of under-developed area, its cost is low, safety is high, user just can complete the remittance business of withdrawing the money from proxy terminal nearby by note associated safety relevant information, improve remittance efficiency, reduce cost, especially particularly practical to remote mountain areas and information under-developed area.
Brief description of the drawings
Fig. 1 is the system architecture schematic diagram of a kind of funds transfer system of realizing based on short message mode of the present invention;
Fig. 2 is the process flow diagram of a kind of money transfer method realizing based on short message mode of the present invention;
Fig. 3 is the schematic diagram that in embodiment, proxy terminal PIN encrypts;
Fig. 4 is the process flow diagram of remitting money in embodiment;
Fig. 5 is the process flow diagram of withdrawing the money in embodiment;
Fig. 6 is the process flow diagram that in embodiment, remittee loses the revene lookup of withdrawing the money while withdrawing the money notifying messages.
Embodiment
Below in conjunction with Figure of description and embodiment, the present invention is described in further detail.
The English abbreviation being applied in this embodiment and corresponding English full name and Chinese full name thereof are as follows:
IC Integrated Circuit Card integrated circuit card
PC Personal Computer PC
The up note of MO SMS Mobile Originated Short Message (note that mobile terminal is initiated)
MT SMS Mobile Terminated Short Message downlink short message (sending to the note of mobile terminal)
Number people's recognition code of PIN Personal Identification
MK Master Key master key
UK User Key user key
MAC Message Authentication Code message authority code
DES Data Encryption Standard data encryption standards
IMSI International Mobile Subscriber Identification Number international mobile subscriber identity
Method and system of the present invention realize based on short message mode, and the method and system have solved remittance, withdraw the money and inquired about the problems such as transaction, realize remittance by intellective IC card and the mobile terminal of proxy terminal in the mode that sends note.Some concepts that relate in present embodiment:
Proxy terminal: opened the service agent of note remittance business, sent remittance service note by its intellective IC card and mobile terminal to remittance service process platform, be provided with the proxy terminal electronic account corresponding with it, for the capital management of proxy terminal simultaneously; Proxy terminal is the money transfer agent terminal proxy terminal of withdrawing the money again.
Remittance service process platform: the service process platform of common carrier, proxy terminal can be handled in the relevant site of operator note remittance business, and registers to the Service Process Server of service process platform; Remittance service process platform is also provided with the platform electronic account corresponding with it, for transferring accounts of remit money service process platform and proxy terminal.
Fig. 1 shows the structural drawing of a kind of funds transfer system of realizing based on short message mode of the present invention, and this system mainly comprises three network element nodes:
Proxy terminal: for initiating remittance note according to the remittance request msg of transferor to remittance service process platform, initiate to withdraw the money note according to the request msg of withdrawing the money of beneficiary to remittance service process platform; Described remittance request msg comprises remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number; The described request msg of withdrawing the money comprises remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money; Proxy terminal sends remittance note and the note of withdrawing the money by its intellective IC card and mobile terminal to remittance service process platform
Sms center: for the reception and the forwarding that provide wireless air network to complete note;
Remittance service process platform: the money transfer amount of proxy terminal electronic account is proceeded to platform electronic account for the remittance note according to proxy terminal; Proceed to proxy terminal electronic account according to the note of withdrawing the money of the proxy terminal amount of money of withdrawing the money by platform electronic account, and send to remittee the notifying messages of withdrawing the money according to remittance note.
As shown in fig. 1, when remitter remits money to remittee, only need remitter to pay remittance cash at proxy terminal place, location, remittee just can be in another area, take out from the cash of remitting money of proxy terminal nearby by note security related information, complete easily remittance function.The realization of this system, Zhi Xu operator opens note remittance business, and development has the proxy terminal of mobile terminal, and proxy terminal is handled after note remittance business in outlet of operator, can realize easily taking note as basic remittance business.The proxy terminal of present embodiment, can apply in common carrier site that by commission merchant intellective IC card and mobile terminal that it has mobile remittances function realize.
Fig. 2 shows the process flow diagram of a kind of money transfer method realizing based on short message mode based on system described in Fig. 1, and the method mainly comprises the following steps:
Step S11: proxy terminal is initiated remittance note according to remitter's remittance request msg to remittance service process platform;
Remitter initiates remittance request at proxy terminal, and proxy terminal is initiated remittance note according to remitter's remittance request msg to remittance service process platform; Described remittance request msg comprises remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number.
The realization of the method, first operator opens note remittance business item, sets up remittance service process platform, and the proxy terminal that has mobile terminal is handled note remittance business in outlet of operator, and opens its corresponding proxy terminal electronic account.In practical operation, the concrete mode that proxy terminal is handled note remittance business is:
The first step, proxy terminal is handled note remittance business in common carrier outlet, and signature service protocol is also paid remittance cash pledge; Be that proxy terminal sends remittance note or withdraws the money before note to remittance service process platform, carry out identity registration to the server of remittance service process platform;
Second step, proxy terminal is in terminal originating service activation request note, and remittance service process platform is carried out authentication, business is carried out open-minded proxy terminal, and sets up the proxy terminal electronic account that proxy terminal is corresponding on backstage;
The 3rd step, proxy terminal is received and is activated successful short message prompt, can be that domestic consumer completes remittance, the business such as revene lookup of withdrawing the money, withdraw the money.
Handling the proxy terminal of note remittance business can remit money, and also can withdraw the money, and proxy terminal is money transfer agent terminal and the proxy terminal of withdrawing the money simultaneously.Wherein proxy terminal is in the time handling note remittance business, proxy terminal password need to be set, be proxy terminal PIN (Personal Identification Number) PIN, proxy terminal is in the time of business hall signature service protocol, set business operation password PIN, when proxy terminal uses the remittance service application of mobile terminal, need to first input PIN code, just can see service menu, then the business operation such as remit money, withdraw the money.
Open after note remittance business at proxy terminal, remitter remits money near the place's cash payment of proxy terminal, in the time of remittance, remitter need to provide following remittance request msg to proxy terminal: remittee's cell-phone number, remittee's name, cash (money transfer amount+service charge), sender name, remitter's cell-phone number.Afterwards, proxy terminal is initiated the remittance note application of remittance request to the remittance service process platform of operator according to remitter's request msg, when proxy terminal sends remittance note, remittance note in except comprising above-mentioned remittance request msg, also comprise that by proxy terminal IC-card be the transaction journal number that money transfer transactions provides each time, the transaction journal of every transaction number increases progressively.When proxy terminal operates in the present invention, need to input proxy terminal password proxy terminal PIN (Personal Identification Number) PIN, carry out before remittance business, first remittance service process platform needs the identity of proxy terminal to verify.
Step S12: remittance service process platform, according to remittance note, is carried out account transfer, and sends to remittee the notifying messages of withdrawing the money;
Remittance service process platform receives after the remittance note of proxy terminal, first proxy terminal is carried out to authentication, determine whether as legal proxy terminal, after being verified, fund corresponding with money transfer amount in proxy terminal electronic account is proceeded to platform electronic account, remittance result note is returned to money transfer agent terminal and remitter, send to remittee the notifying messages of withdrawing the money simultaneously; The described notifying messages of withdrawing the money comprises the amount of money of withdrawing the money, transaction sequence number, disposable identifying code and sender name.Wherein, transaction sequence number is to be generated by the operation system service process platform of remitting money, and is used for identifying a remittance business, and remittance service process platform generates a corresponding transaction sequence number for every remittance request, and is issued to the withdrawing the money in note of remittee.While withdrawing the money, the proxy terminal of withdrawing the money need be gone up in the request msg of withdrawing the money of sending out and comprise this transaction sequence number, and remittance service process platform is retrieved corresponding money transfer transactions according to this transaction sequence number.
Step S13: proxy terminal initiates to withdraw the money note according to remittee's the request msg of withdrawing the money to remittance service process platform;
Step S14: remittance service process platform, according to withdrawing the money note, is carried out account transfer;
Remittee relies on the notifying messages of withdrawing the money to be withdrawn the money to proxy terminal, and proxy terminal initiates to withdraw the money note according to remittee's the request msg of withdrawing the money to remittance service process platform; The described note of withdrawing the money comprises money transfer amount, transaction sequence number, disposable identifying code and sender name; The described request msg of withdrawing the money comprises remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money.
What remittee sent in the service process platform of receiving a remittance withdraws the money after notifying messages, relies on the notifying messages of withdrawing the money to be withdrawn the money to proxy terminal.When remittee withdraws the money, the proxy terminal of withdrawing the money sends to remittance service process platform the note of withdrawing the money according to remittee's the request msg of withdrawing the money, remittance service process platform receive withdraw the money note and the identity of the proxy terminal of withdrawing the money is verified after, the fund of the corresponding amount of money in platform electronic account is proceeded in the proxy terminal electronic account of the proxy terminal of withdrawing the money, the proxy terminal of withdrawing the money is handed to remittee by remittance with cash base.By the method, user can realize remittance at its proxy terminal place nearby and withdraw the money, and has improved efficiency.
In addition, the present invention also provides the revene lookup flow process of withdrawing the money, if remittee has lost because of carelessness, remittee can provide the verification msg of withdrawing the money to proxy terminal, proxy terminal sends short message enquiry according to the verification msg of withdrawing the money to remittance service process platform, remittance service process platform carries out again sending to remittee the notifying messages of withdrawing the money after revene lookup to short message enquiry, and remittee is again according to the flow process of the withdrawing the money enchashment of collecting money; The described verification msg of withdrawing the money comprises sender name, remitter's cell-phone number, remittee's name and remittee's cell-phone number.
In order to ensure that between proxy terminal and remittance business platform, note sends the security and the integrality that receive, the note that note, the note of withdrawing the money and the remittance service process platform of remitting money in this embodiment sends to proxy terminal has all adopted symmetrical encryption and decryption and has calculated the security mechanism of message authority code MAC, and the mode that the note of encrypting and calculating after MAC is carried out to the processing of cascade note, specific as follows:
In present embodiment, proxy terminal intellective IC card adopts the messaging format of cascade note head and the combination of note message to realize with remittance service process platform, as shown in table 1:
Table 1
The note security mechanism of system:
Proxy terminal intellective IC card and business platform adopt symmetric cryptography and calculate the security mechanism of MAC, have ensured security and the integrality of note data.
The concrete mode of enciphering and deciphering algorithm:
Proxy terminal intellective IC card and business platform are respectively preserved the N group encryption symmetric key of agreement, and in present embodiment, algorithm adopts 3DES-ECB mode;
Encrypt: the random number between encryption side's employing random number way generation (1, N), as cipher key index, makes the key of the current appointment of index of reference be encrypted message body (note), cipher key index is composed in heading simultaneously.
Deciphering: deciphering side first takes out cipher key index in heading, takes out the local key of preserving according to index, uses counterpart keys to encrypting the deciphering of message body, thereby obtains expressly (note expressly) of message body.
For MO note, the intellective IC card of proxy terminal is encrypted, and remittance service process platform is decrypted; For MT note, remittance service process platform is encrypted, and intellective IC card is decrypted.In present embodiment, the note that proxy terminal sends to remittance service process platform is MO note, and the note that remittance service process platform is returned to proxy terminal is MT note.
The concrete mode that MAC calculates is:
MAC yardage is at last in order to ensure the completing property of note data, prevents that note is blocked and the data tampering that carries out.When MAC calculates, proxy terminal intellective IC card and business platform are respectively preserved the M group MAC symmetric key of agreement, and in present embodiment, algorithm adopts 3DES-CBC mode.System MAC code account form is that the message body entirety to heading and after encrypting is calculated.
Calculate MAC: calculating side adopts random number way to generate (1, M) random number between is as cipher key index, make the key of the current appointment of index of reference carry out 3DES-CBC encryption to message body, cipher key index is composed in heading simultaneously, MAC end value is composed at cascade end of message before treatment.
Verification MAC: verification side first takes out MAC cipher key index in heading, take out the local key of preserving according to index, use counterpart keys again note data to be calculated to MAC according to engagement arithmetic and mode, the MAC value of the result obtaining and transmit leg calculating is compared, if two values are identical, verification succeeds, receives message legal; Otherwise be invalid packet, system is abandoned processing.
Complete encryption and decryption and complete after MAC calculating, note is carried out to the processing of cascade note, the cascade note treatment mechanism of system is as follows:
Note transmit leg: message body and MAC code after heading, encryption are carried out to cascade processing as message entirety, and the load-bearing capacity of setting byte by note splits, and obtains many note messages, sends one by one.In present embodiment, wall scroll note max cap. is 140 bytes.
Note take over party: many notes that receive are assembled according to the note in cascade heading batch, note sum and current note index, obtain complete short message content, thereby then according to MAC mechanism and encryption and decryption mechanism, note is carried out respectively to MAC verification and deciphering and obtain the manageable note plaintext of system.
In order to ensure security, at proxy terminal, with remittance service process platform while communicating, remittance service process platform can verify the identity of proxy terminal, the concrete mode of checking as shown in Figure 3:
The intellective IC card of remittance service process platform and proxy terminal is preserved the symmetrical master key (PINMK) of 16 byte longs.
In MO note, intellective IC card first uses card IMSI to disperse PINMK, generates PIN sub-key.Then sub-key is encrypted and obtains PIN ciphertext the operator password of proxy terminal.
Remittance service process platform side, when proxy terminal signing in business hall (proxy terminal carries out identity registration to the server of remittance service process platform), platform uses identical algorithm in MO note to be encrypted PIN, and PIN ciphertext is kept to system backstage.When system is during to proxy terminal authenticating identity, the value of two PIN ciphertexts of contrast, if identical, system thinks that the proxy terminal of requests transaction is legal proxy terminal, otherwise is illegal commission merchant, illegal operation, system is returned to the transaction results of failure.
Wherein, sub-key dispersion process is as follows:
IMSI is international mobile subscriber identification number, is the decimal number of 15, for mobile subscriber of the unique identification of the mobile radio communication global.
The dispersion process of sub-key is as follows:
1) because IMSI length is less than 16 numerals, so first left benefit one " 0 " fills it into 16 digital Y.
2) sexadecimal number using Y as 8 bytes, obtains Y ' with the sexadecimal number step-by-step XOR of the full F of 8 byte
3) use MK that Y 3DES-ECB pattern is encrypted and obtained Z '
4) use MK that Y ' 3DES-ECB pattern is encrypted and obtained Z "
5) by Z ' and Z " be connected and obtain Z, Z is the sub-key (UK) needing.
Utilize sub-key the PIN of proxy terminal input to be encrypted to obtain the process of PIN ciphertext as follows:
1) the hexadecimal representation X of the ASCII character of the operator password of user's input, adds 1 " 80 " byte at the low order end of X.Then " 00 " that supplements again some bytes at low order end, using the message length after supplementing is the integral multiple of 8 bytes, obtains Y
1.
2) use UK 3DES-ECB pattern to encrypt Y
1encryption obtains Z
1, Z
1be the proxy terminal operation key ciphertext in literary composition of delivering newspaper on cell-phone customer terminal.
Certainly,, for said short message encryption and decryption mode, calculate MAC mode, and the algorithm adopting not is unique.
Fig. 4 shows the process flow diagram that in this embodiment, user remits money, and proxy terminal sends after remittance note according to remitter's request, and the step of remittance service process platform processing is as follows:
1) note cascade processing, obtains note original length message; The service process platform of remitting money is as note take over party, and remittance note is carried out to note cascade processing, according to the note in remittance note heading batch, note sum and current note index, many notes assembled to the short message content having obtained;
2) MAC verification, guarantees data integrity;
3) message body deciphering, obtains message clear data; The encryption message body completing after MAC verification is decrypted, obtains note expressly;
4) according to proxy terminal PIN ciphertext, to proxy terminal authenticating identity;
5) by transaction journal number and proxy terminal judge whether it is to retransmit transaction for No. IMSI, be to return to notifying messages to proxy terminal; If not retransmit transaction according to service charge and the rule of sharing in the benefit, the fund of the corresponding electronic account of proxy terminal is proceeded to platform electronic account; Judge that whether transaction is that the concrete mode of repeat business is as follows: international mobile subscriber identity IMSI is the identifier of every unique correspondence of card, operation system finds the transaction record of corresponding proxy terminal by the IMSI of proxy terminal, the transaction journal of comparison corresponding record number is asked the transaction journal number in note with proxy terminal remittance, if two flowing water equate, for retransmitting; If the transaction journal number in remittance request is greater than the current transaction journal number of system in proxy terminal transaction record, be new request, transaction journal number is retransmitted for judging to process.
6) send remittance result notification agent terminal, remitter;
7) send the SMS notification remittee that withdraws the money, remittee relies on the content in notifying messages to be withdrawn the money near proxy terminal place.The short message content of withdrawing the money comprises: money transfer amount, transaction sequence number, disposable identifying code, sender name.
Fig. 5 shows the process flow diagram that in this embodiment, user withdraws the money, and proxy terminal sends and withdraws the money after note according to remittee's request, and the step of remittance service process platform processing is as follows:
1) note cascade processing, obtains note original length message;
2) MAC verification, guarantees data integrity;
3) message body deciphering, obtains message clear data;
4) according to proxy terminal PIN ciphertext, to proxy terminal authenticating identity;
5) whether be retransmit transaction, if issue result note to proxy terminal if breaking with the IMSI of proxy terminal according to upper transaction journal number.
6) correctness of the remittance information providing according to Information Authentication remittees such as platform transaction sequence number, remittee's name, sender name if not repeating transmission transaction, as crossed checking not by issuing the failure note of withdrawing the money;
7) judge that whether the identifying code of withdrawing the money of this transaction is expired, if do not have,, according to service charge and the rule of sharing in the benefit, the counter fund of platform electronic account is proceeded to the proxy terminal electronic account of withdrawing the money, and upgrade stateful transaction;
8) result of withdrawing the money is notified to proxy terminal and the remitter of withdrawing the money.After having concluded the business, the proxy terminal of withdrawing the money is handed to remittee by money transfer amount with cash base.
Fig. 6 shows remittee and loses and withdraw the money note while withdrawing the money revene lookup, the treatment scheme of the service process platform of remitting money after sender name, remitter's cell-phone number, remittee's name and remittee's cell-phone number initiation inquiry request that proxy terminal provides according to remittee, comprises the following steps:
1) note cascade processing, obtains note original length message;
2) MAC verification, guarantees data integrity;
3) message body deciphering, obtains message clear data;
4) according to proxy terminal PIN ciphertext, to proxy terminal authenticating identity;
5) whether inquiry has the transaction of not withdrawing the money to exist, if there is no the relevant failed note of sending of this transaction record to proxy terminal; If there is the transaction of not withdrawing the money, platform judges that whether identifying code is expired, and expired renewal identifying code sends the new note of withdrawing the money, and does not have expired resending to withdraw the money note to remittee, and result is returned to proxy terminal.
Obviously, those skilled in the art can carry out various changes and modification and not depart from the spirit and scope of the present invention the present invention.Like this, if these amendments of the present invention and within modification belongs to the scope of the claims in the present invention and equivalent technology thereof, the present invention is also intended to comprise these changes and modification interior.
Claims (20)
1. a funds transfer system of realizing based on short message mode, comprising:
Proxy terminal: for initiating remittance note according to the remittance request msg of transferor to remittance service process platform, initiate to withdraw the money note according to the request msg of withdrawing the money of beneficiary to remittance service process platform;
Sms center: for the reception and the forwarding that provide wireless air network to complete note;
Remittance service process platform: the money transfer amount of proxy terminal electronic account is proceeded to platform electronic account for the remittance note according to proxy terminal; Proceed to proxy terminal electronic account according to the note of withdrawing the money of the proxy terminal amount of money of withdrawing the money by platform electronic account, and send to remittee the notifying messages of withdrawing the money according to remittance note.
2. a funds transfer system of realizing based on short message mode, is characterized in that: described proxy terminal sends remittance note and the note of withdrawing the money by its intellective IC card and mobile terminal to remittance service process platform.
3. the money transfer method realizing based on short message mode, comprises the following steps:
(1) remitter initiates remittance request at proxy terminal, and proxy terminal is initiated remittance note according to remitter's remittance request msg to remittance service process platform;
(2) remittance service process platform, according to remittance note, proceeds to platform electronic account by fund corresponding with money transfer amount in proxy terminal electronic account, and sends to remittee the notifying messages of withdrawing the money;
(3) remittee relies on the notifying messages of withdrawing the money to be withdrawn the money to proxy terminal, and proxy terminal initiates to withdraw the money note according to remittee's the request msg of withdrawing the money to remittance service process platform;
(4) remittance service process platform, according to withdrawing the money note, proceeds to proxy terminal electronic account by fund corresponding with the amount of money of withdrawing the money in platform electronic account.
4. a kind of money transfer method realizing based on short message mode as claimed in claim 3, is characterized in that: in step (1), described remittance request msg comprises remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number.
5. a kind of money transfer method realizing based on short message mode as claimed in claim 3, is characterized in that: in step (2), the described notifying messages of withdrawing the money comprises the amount of money of withdrawing the money, transaction sequence number, disposable identifying code and sender name.
6. a kind of money transfer method realizing based on short message mode as claimed in claim 3, is characterized in that: in step (3), the described note of withdrawing the money comprises money transfer amount, transaction sequence number, disposable identifying code and sender name; The described request msg of withdrawing the money comprises remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money.
7. a kind of money transfer method realizing based on short message mode as described in one of claim 3 to 6, it is characterized in that: in step (3), remittee loses while withdrawing the money notifying messages, remittee provides to proxy terminal the verification msg of withdrawing the money, proxy terminal sends short message enquiry according to the verification msg of withdrawing the money to remittance service process platform, and remittance service process platform carries out again sending to remittee the notifying messages of withdrawing the money after revene lookup to short message enquiry; The described verification msg of withdrawing the money comprises sender name, remitter's cell-phone number, remittee's name and remittee's cell-phone number.
8. a kind of money transfer method realizing based on short message mode as claimed in claim 7, is characterized in that: proxy terminal sends remittance note or withdraws the money before note to remittance service process platform, carries out identity registration to the server of remittance service process platform.
9. a kind of money transfer method realizing based on short message mode as claimed in claim 8, it is characterized in that: when proxy terminal sends remittance note or withdraws the money note to remittance service process platform, remittance service process platform can be carried out authentication to proxy terminal, confirms whether proxy terminal is legal proxy terminal.
10. a kind of money transfer method realizing based on short message mode as claimed in claim 9, is characterized in that: the concrete mode that service process platform is carried out authentication to proxy terminal is:
Each symmetrical master key PINMK that preserves 16 bytes in the intelligent IC of remittance service process platform and proxy terminal;
When proxy terminal sends note, intellective IC card uses IMSI to disperse PINMK, generates PIN sub-key, and uses PIN sub-key to be encrypted and to obtain PIN ciphertext the PIN of proxy terminal;
When proxy terminal carries out identity registration, remittance service process platform adopts identical cryptographic algorithm while sending note with proxy terminal to be encrypted the PIN of proxy terminal, and PIN ciphertext is saved in the server of remittance service process platform;
When proxy terminal is carried out to authentication, whether the PIN ciphertext that the PIN ciphertext of preserving in contrast remittance service process platform server generates while sending note with proxy terminal is consistent, if be verified, is legal proxy terminal; Authentication failed is if not illegal proxy terminal, Fail Transaction.
11. a kind of money transfer method that realize based on short message mode as claimed in claim 10, is characterized in that: use IMSI to disperse the detailed process that generates sub-key to be to PINMK:
1) make it be filled into the digital Y of 16 left IMSI benefit one " 0 ";
2) sexadecimal number using Y as 8 bytes, obtains Y ' with the sexadecimal number step-by-step XOR of the full F of 8 byte;
3) use symmetrical master key that Y 3DES-ECB pattern is encrypted and obtained Z ';
4) use symmetrical master key that Y ' 3DES-ECB pattern is encrypted and obtained Z ";
5) by Z ' and Z " be connected and obtain sub-key Z.
12. a kind of money transfer method that realize based on short message mode as claimed in claim 11, is characterized in that: the concrete mode that uses sub-key to be encrypted PIN is:
A. the hexadecimal representation of the ASCII character of the PIN of user's input is X, adds 1 " 80 " byte at the low order end of X, and " 00 " that supplements some bytes at low order end obtains Y again
1, Y after making to supplement
1message length be the integral multiple of 8 bytes;
B. use sub-key 3DES-ECB pattern to encrypt Y
1pIN ciphertext Z when encryption obtains proxy terminal transmission note
1.
13. a kind of money transfer method that realize based on short message mode as claimed in claim 7, it is characterized in that: the note that proxy terminal sends to remittance service process platform, and the note that remittance service process platform sends to proxy terminal all adopts symmetrical encryption and decryption and calculates the security mechanism of MAC check code.
14. a kind of money transfer method that realize based on short message mode as claimed in claim 13, it is characterized in that: the concrete mode of note encryption and decryption is: the intellective IC card of proxy terminal is respectively preserved N group symmetric key and the cryptographic algorithm of agreement with remittance service process platform, and adopts random number way to generate the cipher key index of N group symmetric key;
SMS encryption mode: encryption side selectes cipher key index, is used the corresponding key of cipher key index to be encrypted note, obtains encrypting message body, and cipher key index is composed in heading;
Note manner of decryption: deciphering side takes out the cipher key index in heading, takes out local counterpart keys of preserving according to cipher key index; Use counterpart keys to be decrypted encrypting message body, obtain note expressly;
When proxy terminal sends remittance note and withdraws the money note, the intellective IC card of proxy terminal is encryption side, and remittance service process platform is deciphering side; In the time that remittance service process platform sends note to proxy terminal, remittance service process platform is encryption side, and the intellective IC card of proxy terminal is deciphering side.
15. a kind of money transfer method that realize based on short message mode as claimed in claim 13, it is characterized in that: calculating and the verification mode of described MAC check code are: the intellective IC card of proxy terminal is respectively preserved M group MAC symmetric key and the cryptographic algorithm of agreement with remittance service process platform, and adopt random number way to generate the MAC cipher key index of M group MAC symmetric key;
While calculating MAC: calculating side selectes MAC cipher key index, use MAC symmetric key corresponding to MAC cipher key index to calculate MAC value to encrypting message body, MAC cipher key index is composed in heading simultaneously, MAC value is composed in the ending of encrypting message body;
When verification MAC: verification side takes out the MAC cipher key index in heading, take out the local MAC symmetric key of preserving according to MAC cipher key index, use MAC counterpart keys to calculate MAC value to encrypting message body, and whether the MAC value that comparing calculation obtains is identical with the MAC value that transmit leg calculates, if verification succeeds, receives message legal; Verification failure, is invalid packet if not;
Described transmit leg is the intellective IC card of proxy terminal, and verification side is remittance service process platform.
16. a kind of money transfer method that realize based on short message mode as claimed in claim 15, is characterized in that: note is carried out symmetrical encryption and decryption and calculated after MAC check code, note is carried out to cascade note treatment mechanism, the concrete mode of note cascade processing is:
For note transmit leg: using heading, encrypt message body and verification MAC carries out cascade processing as message entirety, note is split according to the load-bearing capacity of setting byte, obtain many note messages, many note messages are sent one by one; And note batch number, note sum and note index are composed in cascade note head;
For note take over party: according to the note batch number in cascade note head, note sum and current note index, many note messages of receiving are assembled, obtained complete note data.
17. a kind of money transfer method that realize based on short message mode as claimed in claim 16, is characterized in that: the form of described note is the mode of cascade note head and the combination of note message; Cascade note head comprises note batch number, note sum and current note index; Note message comprises heading, encrypts message body and check code MAC.
18. a kind of money transfer method that realize based on short message mode as claimed in claim 17, is characterized in that: the concrete mode that remitter remits money by proxy terminal is:
Proxy terminal is initiated remittance note according to remittance request msg to remittance service process platform;
Remittance service process platform is carried out cascade processing to remittance note, obtains complete note data;
Note data is carried out to MAC verification;
By encryption message body being decrypted and obtaining note clear data after verification;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, judge by transaction journal number whether transaction is repeat business, if return to notifying messages to proxy terminal, the fund in proxy terminal electronic account corresponding money transfer agent terminal is proceeded to platform electronic account if not;
Remittance result is sent to money transfer agent terminal and remitter by remittance service process platform, and send to remittee the note of withdrawing the money.
19. want a kind of money transfer method realizing based on short message mode as described in 17 as right, it is characterized in that: the concrete mode that remittee withdraws the money by proxy terminal is:
Remittee provides to proxy terminal the request msg of withdrawing the money, and proxy terminal initiates to withdraw the money note according to the request msg of withdrawing the money to remittance service process platform; The described request msg of withdrawing the money comprises: remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and the amount of money of withdrawing the money;
Remittance service process platform, to the note cascade processing of withdrawing the money, obtains complete note data;
Note data is carried out to MAC verification;
By encryption message body being decrypted and obtaining note clear data after verification;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, judge by transaction journal number whether transaction is repeat business, if return to notifying messages to proxy terminal, the withdraw the money correctness of request msg of checking if not;
Judge that whether disposable identifying code is expired, if Fail Transaction proceeds to by the counter fund in platform electronic account the proxy terminal electronic account of withdrawing the money if not;
The remittance service process platform result of withdrawing the money sends to withdraw the money proxy terminal and remitter, and the proxy terminal of the withdrawing the money amount of money of withdrawing the money is given remittee with cash base.
20. a kind of money transfer method that realize based on short message mode as claimed in claim 17, is characterized in that: in step (3), remittee has lost while withdrawing the money notifying messages, and concrete mode from the notifying messages of withdrawing the money to remittance service process platform that again obtain is:
Remittee provides to proxy terminal the verification msg of withdrawing the money, and proxy terminal is initiated short message enquiry to remittance service process platform; Service process platform is carried out cascade processing to request note, obtains complete note data;
Note data is carried out to mac authentication;
By being decrypted encrypting message body after mac authentication, obtain note expressly;
Proxy terminal is carried out to authentication;
Proxy terminal by authentication after, whether inquiry has the transaction of not withdrawing the money to exist, and sends if not notifying messages to proxy terminal; If judge that whether disposable identifying code is expired, to upgrade identifying code if expired and send the new note of withdrawing the money to remittee, the note of again withdrawing the money if not out of date sends to remittee, and result is returned to proxy terminal.
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| US11032077B2 (en) | 2018-09-20 | 2021-06-08 | Advanced New Technologies Co., Ltd. | Blockchain-based transaction method and apparatus, and remitter device |
| US11050549B2 (en) | 2018-09-30 | 2021-06-29 | Advanced New Technologies Co., Ltd. | Blockchain-based transaction method and apparatus, and remitter device |
| US11416854B2 (en) | 2018-12-29 | 2022-08-16 | Advanced New Technologies Co., Ltd. | System and method for information protection |
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