CN1198555A - Network payment system and method - Google Patents
Network payment system and method Download PDFInfo
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- CN1198555A CN1198555A CN 97108904 CN97108904A CN1198555A CN 1198555 A CN1198555 A CN 1198555A CN 97108904 CN97108904 CN 97108904 CN 97108904 A CN97108904 A CN 97108904A CN 1198555 A CN1198555 A CN 1198555A
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Abstract
The present invention relates to a network payment system and method. It is characterized by using public telephone network and INTERNET network to make payment, buy and information service between user, store and bank under the condition of encryption. Its main method includes: a. store opens an account with the bank; b. store provides its random cipher data base for bank; c. when user has need of paying a sum of money, said user can use public telephone network to transfer the account to the bank, then the bank provides the sotre's random cipher for user; d. user transfers the random cipher to store network server to make payment confirmation. Said invention can be used to safely, conveniently and quick pay accounts, buy goods and bonds and other information service.
Description
The present invention relates to a kind of payment system and method, particularly relate to a kind of by public telephone network and INTERNET net in the network payment system and the method for carrying out payment, purchase and information service etc. between user, trade company and the bank under the encrypted state.
Existing network payment and financing system, because technology, the restriction that security and cost are high, fail to realize more comprehensive, individualized fully, people have proposed some methods of dealing with problems for this reason, a kind of " telephone bank's payment cipher " disclosed as utility model patent 94216100, this scrambler is by chip microprocessor, matrix circuit, the parameter memory, double-tone is modulation amplifying circuit frequently, LCD MODULE, on-off circuit and Microspeaker are formed, in the Single Chip Microcomputer (SCM) program memory, add and solidify a cover cryptographic algorithm, after importing required banking information from keyboard, the double-audio signal of corresponding every stroke numeral signature or " account ciphertext ", after amplifying, send audio modulation signal, handle various bankings with dialogic operation by public telephone network and bank computer system by Microspeaker.Its deficiency is that because under any circumstance, the user will could pay by scrambler, and no scrambler then can't be paid.If but trade company or personal user will carry out small amount payment or irregularly payment.Or external personnel will pay, and then generally can not buy scrambler and carry out.In addition, this utility model can only be in the payment activity of enterprising do business family and interbank of public telephone network, and employed information transmission ment and payment scope all have bigger limitation.
The objective of the invention is to overcome the deficiencies in the prior art and provide a kind of by common network in the network payment system and the method for carrying out payment, purchase and information service etc. between user, trade company and the bank under the encrypted state, this network payment system and method can make the user select wholesale payment or small amount payment easily, so that safety, payment quickly and easily, the free choice of goods, purchasing securities and information service etc.
Purpose of the present invention can realize by following technical solution: network payment system of the present invention and method, its main points be by common network in payment, purchase and the information service etc. carried out under the encrypted state between user, trade company and the bank, it comprises following method:
A, provide the service and the trade company and the user of sell goods to open an account with the bank,
B, trade company will be corresponding with certain amount of money the random cipher database offer bank,
Before c, the user-pay, through bank personal account is transferred into merchant account by common network earlier, after bank computer acknowledges receipt of account transfer, directly gives the user with the random cipher that trade company offers bank in advance by network,
Random cipher that d, user will obtain from bank and the password the merchant web server are checked, and confirm the back payment.
Described common network is public telephone network and INTERNET net.
Described random cipher is made up of numerical invariants and random cipher parameter two hop count sign indicating numbers.
Payment system of the present invention and method comprise individual small amount payment system and method and large-amount payment system and method.
Described individual small amount payment system and method comprise:
(1), trade company and user be at first opening a bank account of can realizing paying,
(2), trade company or user be by following structure, that is: customer ID+payment cipher+standby password+amount of money generates a random cipher database, keeps aly on the oneself webserver, simultaneously, wherein data recording decomposition is sent to each bank of deposit,
(3), the user by phone behind the certain amount of money of bank transfer, bank promptly provides one by voice and gives the user with its customer ID paying that the amount of money equates and password, simultaneously record user's payment account and corresponding client thereof number and password in an account transfer historical data base
(4), when the user will pay,, determine payment according to customer ID and payment close friend by the computer of trade company by phone or computer input customer ID and corresponding password.
Described large-amount payment system and method are further to include the multi-enciphering input method that I/O telephone wire, microprocessor and IC-card are combined on the said method basis.
This method is to set personal user's authentication password figure place in IC-card, and setting personal identification number and digital signature, pass through public phone network, with audio frequency or MODEN input and output, input/output information is received by the special purpose computer of trade company, bank and securities broker company, and translate IC-card, personal identification number and digital signature, carry out respective handling again.
The user can query the balance to the webserver of trade company, when the amount of money is zero.Password lost efficacy, and the user will continue to use, and must apply to purchase payment cipher by step c again.
The user can be by the webserver Change Password of trade company.
Forgotten password as the user, can be by network to bank by the former standby password of account query of applying to purchase payment cipher, utilize standby password to inquire about payment cipher from the computer server of trade company.Be protection user's fund security, payment cipher can only trial and error three times, if the payment cipher trial and error surpasses three times, then the computer server of trade company blocks this payment cipher automatically.If user's payment close friend password is blocked, then can come the release payment cipher by the standby password that Help by Phone obtains, if but standby password trial and error surpass three times, then the user must arrive bank and identifies identity and just can reuse.
After if the user obtains payment cipher by bank transfer, want unspent fund is deposited in the bank account that produced originally again, then the user must claim on the computer server of trade company and stop this payment close friend's request, after treating that day whole trade company and bank carry out exchanges data, user's remaining sum deposits in the bank account again.
The present invention has following good effect: one, the present invention has more complete encryption function, can import payment information rapidly, safely, and can confirm immediately.Two, the present invention borrows popularizing of public telephone network, can effectively overcome mode and the high restrictions of production cost such as technology and cost height, reaches to popularize to use personal call to encrypt the purpose of payment.Three, the present invention includes large-amount payment system and method and small amount payment system and method, can satisfy various payment demands.Large-amount payment system and method are applicable to the wholesale fund payment between individual or trade company and the trade company, can be widely used in fund payments such as security purchase, commodity purchasing.Its advantage more possesses the confidentiality and the multinomial financing service function of payment except that having both popularization, ease for operation; Small amount payment system and method are applicable to the information service center, other commercial service of information network such as talents information, commodity purchasing etc., its advantage is the popularization height, personal user, trade company and bank's processing ease are easy, can thoroughly stop to abuse the public expense payment and use audio communication, information service, ensure that individual, collective and trade company's interests are not encroached on.
To describe embodiments of the invention in detail below.
The present invention is payment, purchase and the information service etc. of carrying out user, trade company and interbank by public telephone network under encrypted state, the present invention includes following method:
A, provide the service and the trade company and the user of sell goods to open an account with the bank,
B, trade company will be corresponding with certain amount of money the random cipher database offer bank, described random cipher is made up of numerical invariants (as identification number such as account number or identification card numbers) and random cipher parameter two hop count sign indicating numbers,
Before c, the user-pay, through bank personal account is transferred into merchant account by public phone network earlier, after bank computer acknowledges receipt of account transfer, directly gives the user with the random cipher that trade company offers bank in advance by network,
Random cipher that d, user will obtain from bank and the password the merchant web server are checked, and confirm the back payment.
Network payment system of the present invention and method comprise individual small amount payment system and method and large-amount payment system and method.
Above-mentioned individual small amount payment system and method comprise:
(1), trade company and user be at first opening a bank account of can realizing paying,
(2), trade company or user be by following structure, that is: customer ID+payment cipher+standby password+amount of money generates a random cipher database, keeps aly on the oneself webserver, simultaneously data recording decomposition wherein is sent to each bank of deposit,
(3), the user by phone behind the certain amount of money of bank transfer, bank promptly provides one by voice and gives the user with its customer ID paying that the amount of money equates and password, simultaneously record user's payment account and corresponding client thereof number and password in an account transfer historical data base
(4), when the user will pay,, confirm payment according to customer ID and payment cipher, by the computer of trade company by phone or computer input customer ID and corresponding password
Above-mentioned large-amount payment system and method are on the basis of above method, further include the multiple encryption input method that I/O telephone wire, microprocessor and IC-card are combined.Specifically be exactly in IC-card, to set personal user's status authentication password figure place, and setting personal identification number and digital signature, pass through public phone network, with audio frequency or MODEN input and output, input/output information is received by the special purpose computer of trade company, bank and securities broker company, and translate IC-card, personal identification number and digital signature, carry out respective handling again.
The user can query the balance to the webserver of trade company or Change Password.
Claims (8)
1, a kind of network payment system and method, it is characterized in that described payment system be by common network in the payment of carrying out under the encrypted state between user, trade company and the bank, buy and information service etc., it comprises following method:
A, provide the service and the user and the trade company of sell goods to open an account with the bank,
B, trade company will be corresponding with certain amount of money the random cipher database offer bank,
Before c, the user-pay, through bank personal account is transferred into merchant account by common network earlier, after bank computer acknowledges receipt of account transfer, directly gives the user with the random cipher that trade company offers bank in advance by network,
Random cipher that d, user will obtain from bank and the password the merchant web server are checked, and confirm the back payment.
2, network payment system according to claim 1 and method is characterized in that described common network is public telephone network and INTERNET net.
3, network payment system according to claim 1 and method is characterized in that described random cipher is made up of numerical invariants and random cipher parameter two hop count sign indicating numbers.
4, network payment system according to claim 1 and method is characterized in that this payment system and method comprise individual small amount payment system and method and large-amount payment system and method.
5, network system according to claim 4 and method is characterized in that described individual small amount payment system and method comprise:
(1), trade company and user be at first opening a bank account of can realizing paying,
(2), trade company or user be by following structure, that is: customer ID+payment cipher+standby password+amount of money generates a random cipher database, keeps aly on the oneself webserver, simultaneously, wherein data recording decomposition is sent to each bank of deposit,
(3), the user by phone behind the certain amount of money of bank transfer, bank promptly provides one by voice and gives the user with its customer ID paying that the amount of money equates and password, simultaneously record user's payment account and corresponding client thereof number and password in an account transfer historical data base
(4), when the user will pay,, determine payment according to customer ID and payment cipher by the computer of trade company by phone or computer input customer ID and corresponding password.
6, network payment system according to claim 4 and method is characterized in that described large-amount payment system and method further include the multi-enciphering input method that I/O telephone wire, microprocessor and IC-card are combined.
7, network payment system according to claim 6 and method, it is characterized in that described large-amount payment system and method are to set personal user's authentication password figure place in IC-card, and setting personal identification number and digital signature, pass through public phone network, with audio frequency or MODEN input and output, input/output information is received by the special purpose computer of trade company, bank and securities broker company, and translates IC-card, personal identification number and digital signature, carries out respective handling again.
8, network payment system according to claim 1 and method is characterized in that the user can query the balance to the webserver of trade company or Change Password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 97108904 CN1198555A (en) | 1997-05-04 | 1997-05-04 | Network payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 97108904 CN1198555A (en) | 1997-05-04 | 1997-05-04 | Network payment system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1198555A true CN1198555A (en) | 1998-11-11 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 97108904 Pending CN1198555A (en) | 1997-05-04 | 1997-05-04 | Network payment system and method |
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| CN (1) | CN1198555A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2001061578A1 (en) * | 2000-02-03 | 2001-08-23 | Lee Kuan Lin | System and method of electronic transaction |
| WO2005064503A1 (en) * | 2003-12-31 | 2005-07-14 | China Unionpay | A safe network payment system and safe network payment authentication method |
| CN112837045A (en) * | 2021-01-30 | 2021-05-25 | 银盛通信有限公司 | Mobile third-party internet payment system based on internet |
-
1997
- 1997-05-04 CN CN 97108904 patent/CN1198555A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2001061578A1 (en) * | 2000-02-03 | 2001-08-23 | Lee Kuan Lin | System and method of electronic transaction |
| WO2005064503A1 (en) * | 2003-12-31 | 2005-07-14 | China Unionpay | A safe network payment system and safe network payment authentication method |
| CN112837045A (en) * | 2021-01-30 | 2021-05-25 | 银盛通信有限公司 | Mobile third-party internet payment system based on internet |
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