CN106127470A - A kind of financial transaction system - Google Patents
A kind of financial transaction system Download PDFInfo
- Publication number
- CN106127470A CN106127470A CN201610462925.7A CN201610462925A CN106127470A CN 106127470 A CN106127470 A CN 106127470A CN 201610462925 A CN201610462925 A CN 201610462925A CN 106127470 A CN106127470 A CN 106127470A
- Authority
- CN
- China
- Prior art keywords
- mobile
- processing system
- service data
- financial service
- data
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
Abstract
The invention provides a kind of financial transaction system, including: mobile terminal, transaction terminal, common carrier processing system, bank's background processing system, Unionpay's background processing system, mobile financial service data handling system；Wherein, move financial service data handling system to be communicated with common carrier processing system, bank's background processing system, Unionpay's background processing system respectively by data circuit special line；Communicated by data circuit special line between bank's background processing system and Unionpay's background processing system.Present invention achieves traditional financial business in the extension of mobile Internet and evolution, provide one safely and conveniently to move financial service for users.The present invention is contracted by mobile terminal, and user need not input Bank Account Number or swipe the card, and Transaction Information the most cryptographically transmits guarantee transaction security；Mobile terminal can generate mobile financial account after being contracted successfully by the financial account of mobile financial service data handling system with business bank.
Description
Technical field
The invention belongs to financial communication field, be specifically related to a kind of financial transaction system.
Background technology
At present, along with the fast development of Financial Information electronization, traditional paper money transaction is gradually replaced, and people are by silver
Row card or mobile terminal realize on line or off-line transaction, and such as, user can use bank card at POS brush when consumption
Card checkout, by POS consumption pattern.Although the appearance of bank card brings facility to user, but still suffers from deficiency
Place, bank card is forgotten or loss can bring certain trouble to user, and POS exists certain potential safety hazard, lawless person simultaneously
The bank card information of user can be stolen by POS.
Summary of the invention
For the above, the invention provides a kind of financial transaction system, efficiently solve in the problems referred to above extremely
A few aspect.
In order to realize having it is an object of the invention to provide a kind of financial transaction system, including: mobile terminal, transaction terminal, logical
Letter operator processing system, bank's background processing system, Unionpay's background processing system, mobile financial service data handling system；
Wherein, move financial service data handling system by data circuit special line respectively with common carrier processing system, bank after
Platform processing system, Unionpay's background processing system communicate；Lead between bank's background processing system and Unionpay's background processing system
Cross data circuit special line to communicate.
In some embodiments, described mobile financial service data handling system at least includes:
Operator Specific Service processing system data interface unit, is used for providing mobile financial service data system and mobile communication
Communication interface between Operator Specific Service system background；
Unionpay's background processing system data interface unit, is used for providing at mobile financial service data system and Unionpay backstage
Communication interface between reason system background；
Commercial banking system data interface unit, is used for providing mobile financial service data system and commercial banking
Communication interface between business backstage；
Message data protocol converting unit, is used for realizing mobile financial service data handling system and each mobile communication operators
Message data protocol conversion between business, each business bank, China Unionpay's communication protocol；
Identity information authentication ' unit, for the user's name providing user, sex, ID (identity number) card No., expiration date, sends out
The related identification information such as card office are authenticated management；
Mobile financial account signing unit, for the CAMEL-Subscription-Information according to user's offer by mobile terminal and business bank
Financial account is associated binding, it is achieved mobile terminal is i.e. financial account.
Dynamic password administrative unit, in financial service data handling system the stochastic generation of dynamic password, send, recognize
Card；
Database Unit, for preserving the data that system work runs；
Communication unit, is used for being responsible for internal system communication service and telecommunication management；
Encryption/decryption element, for the database data in mobile financial service data handling system, communication protocol number
It is encrypted according to, data message；
System and Service Management Unit, for maintenance management, operation operation and fortune to mobile financial service data system
Row Stateful Inspection；
Systems Monitoring Unit, for the running state monitoring real-time to mobile financial service data system.
Present invention achieves traditional financial business in the extension of mobile Internet and evolution, provide a kind of peace for users
Entirely, financial service is moved easily.The present invention is contracted by mobile terminal, and user need not input Bank Account Number or swipe the card, transaction
Information the most cryptographically transmits guarantee transaction security；Mobile terminal is by mobile financial service data handling system and commercial silver
The financial account of row can generate mobile financial account after contracting successfully.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of the present invention.
Detailed description of the invention
The present invention is further detailed explanation with specific embodiment below in conjunction with the accompanying drawings.
As it is shown in figure 1, the mobile financial services system that the present invention provides, including:
Mobile terminal, mobile terminal includes user mobile phone terminal or computer；
Transaction terminal, including common POS or ATM withdrawal machine；
Common carrier processing system, mobile communication operators is China Telecom, China Mobile, CHINAUNICOM；
Bank's background processing system, bank is the various commercial bank of nationwide；
Unionpay's background processing system；
Mobile financial service data handling system；Wherein, financial service data handling system is moved special by data circuit
Line communicates with common carrier processing system, bank's background processing system, Unionpay's background processing system respectively；Bank backstage
Communicated by data circuit special line between processing system and Unionpay's background processing system.
At above-mentioned common carrier processing system, bank's background processing system, Unionpay's background processing system and mobile gold
Melt service data handling system exchange message format in the communications and can use self-defining message format, it then follows ISO8583's
Fundamental norms or GB GB/T15150 exchange message specification.
Mobile financial service data handling system respectively with common carrier processing system, bank's background processing system, silver
Communication between connection background processing system, can use multiple encryption algorithms, to the data transmitted in the transmitting procedure of data
It is encrypted.This AES can be: symmetric encipherment algorithm DES, rivest, shamir, adelman SA, and symmetric encipherment algorithm and
The combination of rivest, shamir, adelman.
In the present embodiment, described mobile financial service data handling system includes:
Signing unit, enters the financial account of user mobile phone number with business bank for the CAMEL-Subscription-Information provided according to user
Row association binding, it is achieved cell-phone number is i.e. the mobile financial account of financial account；
Identity information authentication ' unit, for the user's name providing user, ID (identity number) card No., expiration date, machine of issuing licence
The related identification information such as pass are authenticated the identity information authentication ' unit of management；
Dynamic password administrative unit, in financial service data handling system the stochastic generation of dynamic password, transmission and
Certification；
Database Unit, is used for preserving system work service data, stores user profile, transaction terminal number in this data base
According to, process of exchange record, encryption data, system maintenance service data and configuration etc.；
Communication unit, is used for being responsible for internal system communication service and telecommunication management；
Message data protocol converting unit, be used for realizing mobile financial service data handling system and transaction terminal device,
Message data between each bank background processing system, each common carrier processing system, Unionpay's background processing system communication protocol
Conversion；
Encryption/decryption element is for the database data in mobile financial service data handling system, communication protocol number
It is encrypted according to, data message；
Unionpay's background processing system data interface unit, is used for providing at mobile financial service data system and Unionpay backstage
Communication interface between reason system background；
System and Service Management Unit, for maintenance management, operation operation and fortune to mobile financial service data system
Row Stateful Inspection；
Systems Monitoring Unit, for the running state monitoring real-time to mobile financial service data system.
The present invention in use, comprises the following steps:
Step 1: mobile terminal by mobile operator business background system and mobile financial service data handling system and
Bank's background processing system moves finance account signing
Step 2: user is sent out to mobile financial service data handling system by Unionpay's background processing system at transaction terminal
Play transaction request information；
Step 3: mobile financial service data handling system receives and process transaction terminal by Unionpay's background processing system
The transaction request sent, and verify the effectiveness of mobile finance account；
Step 4: mobile financial service data handling system sends dynamic code to user mobile phone terminal, and Mobile state code of going forward side by side is tested
Card；
Step 5: the bank finance account of mobile finance account association is sent to by mobile financial service data handling system
Unionpay's background processing system, is traded between Unionpay's background processing system, bank's background processing system, transaction terminal, user
Operation.
Step 6: described Transaction Information is saved in mobile financial service data handling system transactional operation daily record.
Described mobile finance account at least includes: subscriber identity information, user's SIM, bank finance account and above three
Related information between person.
In the present invention, it is provided with SIM in mobile terminal, literary composition is contracted by mobile terminal, can regard as and be carried out by SIM
Signing.
These are only some embodiments of the present invention, to those skilled in the art, without departing from this
On the premise of bright creation design, also can carry out some deformation and improvement, these broadly fall into protection scope of the present invention.
Claims (2)
1. a financial transaction system, including: mobile terminal, transaction terminal, common carrier processing system, bank's background process
System, Unionpay's background processing system, mobile financial service data handling system；It is characterized in that, at mobile financial service data
Reason system by data circuit special line respectively with common carrier processing system, bank's background processing system, Unionpay's background process
System communicates；Communicated by data circuit special line between bank's background processing system and Unionpay's background processing system.
A kind of financial transaction system the most according to claim 1, it is characterised in that: described mobile financial service data process
System at least includes:
Operator Specific Service processing system data interface unit, is used for providing mobile financial service data system and mobile communication operators
Communication interface between business business system background；
Unionpay's background processing system data interface unit, is used for providing mobile financial service data system and background process system of Unionpay
Communication interface between system backstage；
Commercial banking system data interface unit, after being used for providing mobile financial service data system and commercial banking
Communication interface between platform；
Message data protocol converting unit, be used for realizing mobile financial service data handling system and each mobile communication carrier,
Message data protocol conversion between each business bank, China Unionpay's communication protocol；
Identity information authentication ' unit, for the user's name providing user, sex, ID (identity number) card No., expiration date, machine of issuing licence
The related identification information such as pass are authenticated management；
Mobile financial account signing unit, is used for the CAMEL-Subscription-Information according to user's offer by the finance of mobile terminal Yu business bank
Account is associated binding, it is achieved mobile terminal is i.e. financial account；
Dynamic password administrative unit, the stochastic generation of dynamic password, transmission, certification in financial service data handling system；
Database Unit, for preserving the data that system work runs；
Communication unit, is used for being responsible for internal system communication service and telecommunication management；
Encryption/decryption element, for the database data in mobile financial service data handling system, communication protocol data,
Data message is encrypted；
System and Service Management Unit, for maintenance management, operation operation and operation shape to mobile financial service data system
State monitors；
Systems Monitoring Unit, for the running state monitoring real-time to mobile financial service data system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610462925.7A CN106127470A (en) | 2016-06-22 | 2016-06-22 | A kind of financial transaction system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610462925.7A CN106127470A (en) | 2016-06-22 | 2016-06-22 | A kind of financial transaction system |
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| Publication Number | Publication Date |
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| CN106127470A true CN106127470A (en) | 2016-11-16 |
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| CN201610462925.7A Withdrawn CN106127470A (en) | 2016-06-22 | 2016-06-22 | A kind of financial transaction system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108846751A (en) * | 2018-06-05 | 2018-11-20 | 东方银谷（北京）投资管理有限公司 | On-line finance method of commerce and device, financial transaction client |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102496109A (en) * | 2011-12-29 | 2012-06-13 | 湖南省通信产业服务有限公司 | Mobile financial service system and method thereof |
| CN102685112A (en) * | 2012-04-19 | 2012-09-19 | 中国科学院计算机网络信息中心 | Identity authentication processing method, device and system |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
-
2016
- 2016-06-22 CN CN201610462925.7A patent/CN106127470A/en not_active Withdrawn
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102496109A (en) * | 2011-12-29 | 2012-06-13 | 湖南省通信产业服务有限公司 | Mobile financial service system and method thereof |
| CN102685112A (en) * | 2012-04-19 | 2012-09-19 | 中国科学院计算机网络信息中心 | Identity authentication processing method, device and system |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108846751A (en) * | 2018-06-05 | 2018-11-20 | 东方银谷（北京）投资管理有限公司 | On-line finance method of commerce and device, financial transaction client |
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| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20161116 |
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