CN107292619A - A kind of identity-based confirms existing finance account unified management, the system of aggregate payment and its technical method - Google Patents
A kind of identity-based confirms existing finance account unified management, the system of aggregate payment and its technical method Download PDFInfo
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- CN107292619A CN107292619A CN201710424217.9A CN201710424217A CN107292619A CN 107292619 A CN107292619 A CN 107292619A CN 201710424217 A CN201710424217 A CN 201710424217A CN 107292619 A CN107292619 A CN 107292619A
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- card
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
Existing many financial account unified managements, the system of aggregate payment and its technical method are confirmed the present invention relates to a kind of identity-based, user identity card is expanded to the only account credentials of user by the present invention, and payment process is completed by transaction terminal, business subsystem, clearance subsystem, signing subsystem, other terminal of identity card etc..Merchant tenninal constitutes aggregate payment system with bank interface subsystem, and unified management, the aggregate payment of bank account are realized by the system.
Description
Technical field
Existing finance account unified management, the system of aggregate payment and its technical side are confirmed the present invention relates to a kind of identity-based
Method.
Background technology
Existing commodity method of payment is varied, but many methods of payment need for bank card, when transaction
It is very inconvenient.
The content of the invention
The technical problems to be solved by the invention are to provide in a kind of method paid by identity card, realization
The technical scheme for stating purpose is as follows：
The present invention is that a kind of identity-based confirms existing many financial account unified managements, the technical method of aggregate payment, will be used
Family identity card expands to the only account credentials of user, passes through the business subsystem of merchant tenninal, clearance subsystem, signing subsystem
System, identity card identification terminal etc..Merchant tenninal constitutes aggregate payment system with bank interface subsystem, and silver is realized by the system
The unified management of row account, aggregate payment.
This method of payment is simple, and a variety of cards, transaction security need not be carried by going out.
Brief description of the drawings
Fig. 1 is schematic flow sheet of the present invention
Embodiment
The present invention is described in detail below in conjunction with the accompanying drawings.
In figure, identity-based confirms existing finance account unified management, the system of aggregate payment, including aggregate payment subsystem
System, clearance subsystem, transaction terminal, clearance subsystem be used for aggregate payment subsystem authentication, transaction terminal be used for recognize and
Receive transaction, the aggregate payment subsystem includes identity card identification terminal, bank card verification subsystem, credential management subsystem
System, signing subsystem, purview certification subsystem and bank interface subsystem, wherein, identity card identification terminal by signal with
Credential management subsystem is attached；
Wherein, identity card identification terminal is used to obtain user identification information, and voucher authority is carried out to identity information
Certification, completes the payment action of bank finance mechanism；Bank card verification subsystem is used for validity, the voucher pipe for verifying bank card
Managing subsystem is used for the signing of the legitimacy, signing subsystem of storage and validating documents for user user and trade company；Authority is recognized
Demonstrate,proving subsystem and being used for certification user is used for customer bank card and bank's friendship to the legal processes authority of voucher, bank interface subsystem
The connection of easy system.
The identity card identification terminal is connected with ID Card Recognition System, and ID Card Recognition System is to the information in identity card
Carry out online retrieving.
The following detailed description identity-based confirms existing finance account unified management, the technical method of aggregate payment,
(1) identification
The identity of user needs the certification and identification of credential management subsystem and signing subsystem, via identification and certification
User obtains the obligation authority that purview certification subsystem is authorized, and it is recognized and verification process is as follows：
(3) the hand-held identity card of user carries out authentication in identity card identification terminal, and identity card identification terminal obtains body
The radio-frequency information of part card piece is simultaneously judged, if being judged as effective identification information, enters step (2),
Such as it is judged as invalid identification information, then is provided in identity card identification terminal and be identified as invalid card, body please be use
The prompting of part card；
Such as it is judged as incomplete effective information, then provides recognition failures, the prompting of card identification is please waved again；If can not detect
To card image, then identity card identification terminal is not responded；
(4) identity card identification terminal is connected by wired or wireless mode with ID Card Recognition System, identity card identification
System carries out online retrieving to the information in identity card, if retrieving legal ID card information, is transferred to step (3), if inspection
Rope then provides the prompting of retrieving identity card information failure less than ID card information；
If the ID card information retrieved is judged as invalid information, the invalid prompting of ID card information is provided；
(3) ID card information is after search complete, by the information transmission retrieved to credential management subsystem, credential management
System sends the bank card request that retrieval user has contracted to signing subsystem, and signing subsystem is examined to the bank card of user
Rope, when retrieving effective bank card information, then transmits information back to transaction terminal, the bank card that display user has contracted
List, if not retrieving the bank card information that user has contracted, returns to credential management subsystem, and points out, current to use
Family is not yet contracted bank card, and provides the prompting contracted immediately；
(2) user contracts
User's signing refers to be bound the identity card of the bank card system of user and user, and complete in signing subsystem
Into signing, the bank card voucher of signing management subsystem user is authorized, and voucher is authenticated and using management：
(4) user carries out the information identification of identity card on transaction terminal, and credential management subsystem obtains the identity of user
Information is demonstrate,proved, if getting effective ID card information, step (5) is gone to, if recognizing invalid ID card information, provides
Point out " invalid certificate please use identity card ", if the information recognized is incomplete ID card information, provide prompting
" recognition failures please re-recognize identity card ", if unidentified arrive any effective ID card information, system is not given and responded.
(5) identity card identification terminal couples direct information ID Card Recognition System, ID Card Recognition System by electric signal
Online retrieving is carried out to ID card information, if retrieving legal ID card information, step (6) is transferred to, if retrieval is less than body
Part card information, then prompting " failure of retrieving identity card information ", if the ID card information retrieved is judged as invalid information, gives
Go out prompting " ID card information is invalid ".
(6) ID card information is after search complete, by the information transmission retrieved to credential management subsystem, and passes through signing
The bank card information that subsystem retrieval user has contracted, or retrieve effective bank card information, then transmit information back to transaction
Terminal, the bank card list that display user has contracted such as does not retrieve the bank card that user has contracted, then returns " current
User not yet contracts bank card ", and provide the prompting of " contracting immediately ".(7) user clicks on the label immediately of credential management subsystem
About option, enters access customer signing interface, points out user's input bank card information, the cell-phone number information bound in user's bank card,
After the completion of user's input, click on after " confirming signing " button, credential management subsystem goes to step (8), if input information is not
Legal cell-phone number or bank card, credential management subsystem provides format error prompting；
(8) signing information that user fills in is delivered signing subsystem and veritified by transaction terminal, to the identity of user
Card, cell-phone number and bank's card number carry out consistency checking, if being proved to be successful, and good authentication code is sent to user mobile phone number, and
Step (9) is gone to, such as authentication failed, then returned to information, and point out user information authentication wrong, signing failure is please filled out again
Write signing information；
(10) user fills in the identifying code receipt received, and clicks on the agreement signing option of credential management subsystem page,
Identity card identification terminal submits information into signing subsystem, and signing subsystem completes voucher and preserved, and the successful information that will contract
User is returned to, if user's operation failure or time-out, signing fails, and provide prompt message and fill in wrong, signing failure；
(3) transaction is accepted
Transaction accepts the process of exchange for referring to that user is consumed by identity card in identity card identification terminal, the process
Completed jointly by credential management subsystem and business subsystem, idiographic flow is as follows：
(13) any identity card identification terminal of the user in the system carries out ID card information identification, and system obtains user
ID card information, if getting effective ID card information, step (12) is gone to, if recognizing invalid identity card letter
Breath, then provide prompting " invalid certificate please use identity card ", if the information recognized is incomplete ID card information,
Prompting " recognition failures please re-recognize identity card " is provided, if unidentified arrive any effective ID card information, identity card is known
Other terminal, which is not given, to be responded；
(14) identity card identification terminal is connected by signal with ID Card Recognition System, and ID Card Recognition System is to identity card
Information carries out online retrieving, if retrieving legal ID card information, is transferred to step (13), if retrieval is less than identity card letter
Breath, then prompting " failure of retrieving identity card information ", if the ID card information retrieved is judged as invalid information, provides prompting
" ID card information is invalid；
(13) identity card communicates information to credential management subsystem after search complete, and passes through subsystem of contracting and retrieve
The bank card information that user has contracted, or retrieve effective bank card information, then transaction terminal is transmitted information back to, display is used
The bank card list that family has been contracted, does not such as retrieve the bank card that user has contracted, then " active user not yet contracts for return
Bank card ", and provide the prompting of " contracting immediately "；
(14) user clicks the signing bank card to be used, and dealing money is confirmed, transaction terminal prompting is used
Family inputs trading password, and waits the trading password of user to be received to input；
(15) user inputs the trading password of the bank card, and clicks on " confirming transaction " button, and transaction terminal hands over user
Easy information is delivered to trading processing subsystem, and generates occasional trade voucher, preserves in the local database, while passing through bank
Transaction Information is sent to financial transaction mechanism by interface system.
(16) mechanism of exchange carries out validity check to Transaction Information, if verification passes through, and returns to transaction successful information, if
Fail Transaction, then return to Fail Transaction information, and the reason for provide Fail Transaction.
(17) transaction results that business subsystem is returned according to bank interface carry out status modifier to occasional trade voucher, and
Local data base is stored in, while transaction results are returned into transaction terminal.
(18) transaction terminal carries out flow processing according to the back information of reception, if returning result is " password is wrong ",
Remind user to re-enter password, and return to step (15), flow is completed again, if returning result is " Sorry, your ticket has not enough value " or " silver
Row card it is unavailable " then return to step (14) restart flow；
(4) data authentication
The uniformity of transaction data is protected between data authentication system prompt terminal user, business subsystem and banking institution
Card, its work is completed by the automatic reconciliation report capability of system at regular intervals.
The preferred embodiment of the embodiment of the present invention is these are only, embodiment is not intended to limit the invention, it is all at this
Within the spirit and principle of inventive embodiments, any modification, equivalent substitution and improvements made etc. should be included in of the invention real
Apply in the protection domain of example.
Claims (3)
1. a kind of identity-based confirms existing finance account unified management, the system of aggregate payment, including aggregate payment subsystem, clearly
Operator Systems, transaction terminal, clearance subsystem are connected or electrically connected with aggregate payment subsystem, transaction terminal signal respectively, clearly
Operator Systems are used for the authentication of aggregate payment subsystem, and transaction terminal is used to recognize and receive transaction, it is characterised in that：It is described comprehensive
Closing payment subsystem includes identity card identification terminal, bank card verification subsystem, credential management subsystem, signing subsystem, power
Limit authentication subsystem and bank interface subsystem；Wherein, credential management subsystem is sub with identity card identification terminal, clearance respectively
System, signing subsystem, business subsystem, the connection of bank interface subsystem signals are electrically connected；
Wherein, identity card identification terminal is used to obtain user identification information, and the certification of voucher authority is carried out to identity information,
Complete the payment action of bank finance mechanism；
Wherein, bank card verification subsystem is used for the validity for verifying bank card；
Wherein, credential management subsystem is used to store the legitimacy with validating documents；
Wherein, signing subsystem is used for the signing of user and trade company；
Wherein, purview certification subsystem is used for legal processes authority of the certification user to voucher；
Wherein, bank interface subsystem is used for the connection of customer bank card and bank transaction system.
2. identity-based according to claim 1 confirms existing finance account unified management, the system of aggregate payment, its feature
It is：The identity card identification terminal is also connected with ID Card Recognition System, and ID Card Recognition System is to the information in identity card
Carry out online retrieving.
3. a kind of identity-based confirms existing finance account unified management, the technical method of aggregate payment, it is characterised in that：
(1) identification
The identity of user needs the certification and identification of credential management subsystem and signing subsystem, via the user of identification and certification
The obligation authority that purview certification subsystem is authorized is obtained, it is recognized and verification process is as follows：
(1) the hand-held identity card of user carries out authentication in identity card identification terminal, and identity card identification terminal obtains identity card
The radio-frequency information of card is simultaneously judged, if being judged as effective identification information, enters step (2),
Such as it is judged as invalid identification information, then is provided in identity card identification terminal and be identified as invalid card, identity card please be use
Prompting；
Such as it is judged as incomplete effective information, then provides recognition failures, the prompting of card identification is please waved again；If card can not be detected
Piece information, then identity card identification terminal do not respond；
(2) identity card identification terminal is connected by wired or wireless mode with ID Card Recognition System, ID Card Recognition System
Online retrieving is carried out to the information in identity card, if retrieving legal ID card information, step (3) is transferred to, if retrieval is not
To ID card information, then the prompting of retrieving identity card information failure is provided；
If the ID card information retrieved is judged as invalid information, the invalid prompting of ID card information is provided；
(3) ID card information is after search complete, by the information transmission retrieved to credential management subsystem, credential management subsystem
The bank card request that retrieval user has contracted is sent to signing subsystem, signing subsystem is retrieved to the bank card of user,
When retrieving effective bank card information, then transaction terminal is transmitted information back to, the bank card row that display user has contracted
Table, if not retrieving the bank card information that user has contracted, returns to credential management subsystem, and point out, active user
Not yet contract bank card, and provide the prompting contracted immediately；
(2) user contracts
User's signing refers to be bound the identity card of the bank card system of user and user, and completes label in signing subsystem
About, the bank card voucher of signing management subsystem user is authorized, and voucher is authenticated and using management：
(4) user carries out the information identification of identity card on transaction terminal, and credential management subsystem obtains the identity card letter of user
Breath, if getting effective ID card information, goes to step (5), if recognizing invalid ID card information, provides and carry
Show：Invalid certificate, please use identity card, if the information recognized is incomplete ID card information, provide prompting：Identification
Failure, please re-recognize identity card, if unidentified arrive any effective ID card information, system is not given and responded；
(5) identity card identification terminal couples direct information ID Card Recognition System by electric signal, and identifying system is believed identity card
Breath carries out online retrieving, if retrieving legal ID card information, is transferred to step (6), if retrieval is less than ID card information,
Prompting：Retrieving identity card information failure, if the ID card information retrieved is judged as invalid information, provides prompting：Identity
Demonstrate,prove information invalid；
(6) identity card communicates information to credential management subsystem, and retrieved user by subsystem of having contracted after search complete
The bank card information of signing, or retrieve effective bank card information, then transaction terminal is transmitted information back to, display user is
The bank card list of signing, does not such as retrieve the bank card that user has contracted, then returns to that " active user not yet contracts bank
Card ", and provide the prompting of " contracting immediately "；
(7) user clicks on the signing option immediately of credential management subsystem, enters access customer signing interface, points out user's input bank
Cell-phone number information bound in card information, user's bank card, after the completion of user's input, is clicked on after " confirming signing " button, voucher
Management subsystem goes to step (8), if input information is illegal cell-phone number or bank card, credential management subsystem is to offscale
Formula miscue；
(8) signing information that user fills in is delivered signing subsystem and veritified by transaction terminal, identity card, hand to user
Machine number and bank's card number carry out consistency checking, if being proved to be successful, and send good authentication code to user mobile phone number, and go to step
Suddenly (9), such as authentication failed, then information is returned, and points out user information authentication wrong, signing failure please rewrite signing
Information；
(10) user fills in the identifying code receipt received, and clicks on " agreeing to signing " option, body of credential management subsystem page
Part card identification terminal submits information into signing subsystem, and signing subsystem completes voucher and preserved, and the successful information that will contract is returned
Reuse family, if user's operation failure or time-out, contracts and fails, and provide prompt message and fill in wrong, signing failure；
(3) transaction is accepted
Transaction accepts the process of exchange for referring to that user is consumed by identity card in identity card identification terminal, and the process passes through
Credential management subsystem and business subsystem are completed jointly, and idiographic flow is as follows：
(11) ID card information identification, identity card identification terminal are carried out in any identity card identification terminal of the user in the system
The ID card information of user is obtained, if getting effective ID card information, step (12) is gone to, if recognizing invalid body
Part card information, then provide prompting " invalid certificate please use identity card ", believes if the information recognized is incomplete identity card
Breath, then provide prompting " recognition failures please re-recognize identity card ", if unidentified arrive any effective ID card information, body
Part card identification terminal, which is not given, to be responded；
(12) identity card identification terminal is connected by signal with ID Card Recognition System, identity card identification terminal-pair ID card information
Online retrieving is carried out, if retrieving legal ID card information, step (13) is transferred to, if retrieval is less than ID card information,
Prompting " failure of retrieving identity card information ", if the ID card information retrieved is judged as invalid information, provides prompting " identity
Demonstrate,prove information invalid；
(13) identity card communicates information to credential management subsystem after search complete, and passes through subsystem of contracting and retrieve user
The bank card information contracted, or retrieve effective bank card information, then transaction terminal is transmitted information back to, display user is
Bank card list through signing, does not such as retrieve the bank card that user has contracted, then returns to that " active user not yet contracts bank
Card ", and provide the prompting of " contracting immediately "；
(14) user clicks the signing bank card to be used, and dealing money is confirmed, transaction system prompting user is defeated
Enter trading password, and wait the trading password of user to be received to input；
(15) user inputs the trading password of the bank card, and clicks on " confirm transaction " button, and identity card identification terminal is by user
Transaction Information is delivered to trading processing subsystem, and generates occasional trade voucher, preserves in the local database, while passing through silver
Transaction Information is sent to financial transaction mechanism by line interface system；
(16) mechanism of exchange carries out validity check to Transaction Information, if verification passes through, and returns to transaction successful information, if transaction
The reason for failing, then return Fail Transaction information, and provide Fail Transaction；
(17) transaction results that business subsystem is returned according to bank interface carry out status modifier to occasional trade voucher, and preserve
In local data base, while transaction results are returned into information trading terminal；
(18) transaction terminal carries out flow processing according to the back information of reception, if returning result is " password is wrong ", reminds
User re-enters password, and return to step (15), and flow is completed again, if returning result is " Sorry, your ticket has not enough value " or " bank card
It is unavailable " then return to step (14) restart flow；
(4) data authentication
The uniformity of transaction data ensures between data authentication system prompt terminal user, business subsystem and banking institution,
Its work is completed by the automatic reconciliation report capability of system at regular intervals.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710424217.9A CN107292619A (en) | 2017-06-07 | 2017-06-07 | A kind of identity-based confirms existing finance account unified management, the system of aggregate payment and its technical method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710424217.9A CN107292619A (en) | 2017-06-07 | 2017-06-07 | A kind of identity-based confirms existing finance account unified management, the system of aggregate payment and its technical method |
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ID=60096074
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| CN107833402A (en) * | 2017-12-09 | 2018-03-23 | 恒宝股份有限公司 | A kind of ATM, financial IC card and its fault handling method |
| CN109460963A (en) * | 2018-09-26 | 2019-03-12 | 平安国际融资租赁有限公司 | Electronic signature method, apparatus, computer equipment and storage medium |
| CN109636559A (en) * | 2018-12-13 | 2019-04-16 | 杭州嘿马科技有限公司 | A kind of the signing method, apparatus and contracting terminal of obligatory contract |
| CN109741070A (en) * | 2018-12-28 | 2019-05-10 | 深圳市元征科技股份有限公司 | A kind of account management method and device based on net card |
| CN113095938A (en) * | 2021-04-09 | 2021-07-09 | 深圳市小金象科技有限公司 | System and method for financial certificate transaction by mobile device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107833402A (en) * | 2017-12-09 | 2018-03-23 | 恒宝股份有限公司 | A kind of ATM, financial IC card and its fault handling method |
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| CN109741070A (en) * | 2018-12-28 | 2019-05-10 | 深圳市元征科技股份有限公司 | A kind of account management method and device based on net card |
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| CN113095938A (en) * | 2021-04-09 | 2021-07-09 | 深圳市小金象科技有限公司 | System and method for financial certificate transaction by mobile device |
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Application publication date: 20171024 |
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