CN113168636A - 一种让资金转账支付更安全的方法 - Google Patents

一种让资金转账支付更安全的方法 Download PDF

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Publication number
CN113168636A
CN113168636A CN201980077115.1A CN201980077115A CN113168636A CN 113168636 A CN113168636 A CN 113168636A CN 201980077115 A CN201980077115 A CN 201980077115A CN 113168636 A CN113168636 A CN 113168636A
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China
Prior art keywords
password
money
transferred
transfer
payment
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Pending
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CN201980077115.1A
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English (en)
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郭长来
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Individual
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Individual
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Publication of CN113168636A publication Critical patent/CN113168636A/zh
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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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/407—Cancellation of a transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种让资金转账支付更安全的方法：给转账支付的钱款设置验证密码（口令），该密码可以是转出钱款的一方来设置，也可以是转账的电脑网络系统自动生成，并发送密码给预先约定的人的手机上或电子邮箱里，收款方收到的转账钱款是被密码锁住或冻结的，在输入正确的验证密码的情况下，收款方才能真正得到转账的钱款。该方法可以用设置密码的方法提高转账汇款或转账支付的安全性，增加灵活性，防范风险。

Description

PCT国内申请，说明书已公开。

Claims (9)

  1. PCT国内申请，权利要求书已公开。
CN201980077115.1A 2018-12-18 2019-12-08 一种让资金转账支付更安全的方法 Pending CN113168636A (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
CN201811555681.2A CN109636403A (zh) 2018-12-18 2018-12-18 一种让资金转账支付更安全的方法
CN201811555681.2 2018-12-18
PCT/CN2019/123856 WO2020125461A1 (zh) 2018-12-18 2019-12-08 一种让资金转账支付更安全的方法

Publications (1)

Publication Number Publication Date
CN113168636A true CN113168636A (zh) 2021-07-23

Family

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Family Applications (2)

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CN201811555681.2A Pending CN109636403A (zh) 2018-12-18 2018-12-18 一种让资金转账支付更安全的方法
CN201980077115.1A Pending CN113168636A (zh) 2018-12-18 2019-12-08 一种让资金转账支付更安全的方法

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CN201811555681.2A Pending CN109636403A (zh) 2018-12-18 2018-12-18 一种让资金转账支付更安全的方法

Country Status (2)

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CN (2) CN109636403A (zh)
WO (1) WO2020125461A1 (zh)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109636403A (zh) * 2018-12-18 2019-04-16 郭长来 一种让资金转账支付更安全的方法
CN113128985A (zh) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 基于智能合约的线上交易的方法、装置、设备及介质

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1320878A (zh) * 2000-04-21 2001-11-07 邵通 二次密码支付系统
CN1450781A (zh) * 2003-04-25 2003-10-22 方泽南 全球通移动汇款方法
CN1667632A (zh) * 2005-05-08 2005-09-14 郑茵 一种基于支付确认码的移动支付方法

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002183643A (ja) * 2000-12-15 2002-06-28 Takashi Fujimoto 購買代金振替方法
US20070239599A1 (en) * 2006-04-02 2007-10-11 Oleksandr Kizub Sender pays receiver
CN101324941A (zh) * 2007-06-12 2008-12-17 王延波 一种支付方法及系统
CN101587578A (zh) * 2009-04-28 2009-11-25 孙加恒 一种银行保障安全支付结算方法
US20140214669A1 (en) * 2013-01-29 2014-07-31 Gravic, Inc. Methods for Reducing the Merchant Chargeback Notification Time
US10043174B1 (en) * 2014-06-13 2018-08-07 Intuit Inc. Bitcoin transaction using text message
CN105096118B (zh) * 2015-08-21 2019-04-16 廖小谦 一种电子货币转付系统及方法
CN107491961B (zh) * 2017-09-02 2020-12-22 江苏沃银数据服务有限公司 一种nfc验证的网络支付的方法、装置
CN109636403A (zh) * 2018-12-18 2019-04-16 郭长来 一种让资金转账支付更安全的方法

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1320878A (zh) * 2000-04-21 2001-11-07 邵通 二次密码支付系统
CN1450781A (zh) * 2003-04-25 2003-10-22 方泽南 全球通移动汇款方法
CN1667632A (zh) * 2005-05-08 2005-09-14 郑茵 一种基于支付确认码的移动支付方法

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Publication number Publication date
WO2020125461A1 (zh) 2020-06-25
CN109636403A (zh) 2019-04-16

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