CN1835012A - Safety, non-secret electronic transferring accounts service device and transferring accounts card and method - Google Patents
Safety, non-secret electronic transferring accounts service device and transferring accounts card and method Download PDFInfo
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- CN1835012A CN1835012A CNA2006100116959A CN200610011695A CN1835012A CN 1835012 A CN1835012 A CN 1835012A CN A2006100116959 A CNA2006100116959 A CN A2006100116959A CN 200610011695 A CN200610011695 A CN 200610011695A CN 1835012 A CN1835012 A CN 1835012A
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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]
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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Abstract
The invention provides a safe and password-free electronic transfer card, controlling transferring transaction by mobile telephone number and different from an ordinary account in that the transfer card is an account for a user to make various payments, and the user can have very many bank accounts, but only uses the transfer card to make transfer transaction for external payments, and the user sends instructions through mobile telephone to a safe and password-free electronic transfer service device, and the device transfers capitals from the bank account into the transfer card according to the instructions, and vice versa. Thus it can effectively protect safety of capitals in user's bank accounts, extremely convenient for users to make payments. And it will promote further development of electronic business.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of instruction control by mobile phone realizes safe and safe easily, the sub-transfer service device of no cipher telegram, the sub-transferred account card of a kind of no cipher telegram of safety, and the instruction control by mobile phone realizes the safety and the construction method of the device of electronic transfer service easily, do not have the sub-transferred account card of cipher telegram by safety and finishes the method for ecommerce account transfer and do not have the method that the sub-transferred account card of cipher telegram is finished settlement transfer by safety.The sub-transferred account card of the described no cipher telegram of safety is the new ideas that the present invention proposes, and being meant does not have the wire transfer of password card.The sub-transferred account card of the no cipher telegram of safety is different from the general account of bank, be characterized in that the sub-transferred account card account of the no cipher telegram of safety is the account of user towards various payments, the user can have much the account of bank, but foreign payment the time, no cipher telegram only safe in utilization sub-transferred account card account transfer accounts.The security of safety no cipher telegram transferred account card is that the sub-transfer service device of safe, no cipher telegram of the present invention only allows the mobile phone initiation, and the bank card account of this Mobile Directory Number correspondence and the account transfer between the sub-transferred account card account of safe no cipher telegram in its database; The account management server of bank only allows the sub-transfer service device of safe, no cipher telegram of the present invention to provide funds from Mobile Directory Number user's bank card account transfer.
Background technology
In present moving communicating field, financial field and e-commerce field, for carrying out ecommerce, bank adopts the transfer transactions of directly finishing ecommerce by user's bank account usually; Mobile communication carrier carries out mobile electronic payment by Mobile Directory Number and bank card account number are bound, its common characteristic is to operate by the account transfer that the account number of bank is directly carried out in the ecommerce, so there are some defectives, mainly show: one, ecommerce provider is numerous, user's account No. is operated frequently, can produce the decrypted problem of user account, user's fund has the risk that is stolen.When two, user's account transferred accounts, the user can not get effectively control and notifies timely.The inventor thinks: if overcome defective in the above-mentioned electronic payment activity, Mobile Directory Number as a kind of control tool, and set up safe, a no password account transfer platform based on mobile communications network and E-business service, based on mobile communications network and computer internet Internet resources, to provide convenience to the mobile phone user, fast, safety E-business service, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, people's ecommerce demand also presents the trend that rises day by day gradually.Therefore, satisfying the convenient and demand for security of people's ecommerce account transfer, is the scientific research task that the technician faces, and also is the service item that Mobile Network Operator and financial field need provide as early as possible.
Existing computer technology, network technology and mobile communication technology, make the technical conceive of the sub-transferred account card of the no cipher telegram of safety that the inventor proposes first that the possibility that realizes arranged, that is to say to setting up and realize providing the operation system of the sub-transferred account card service of the no cipher telegram of safety that technical support is provided the user.What therefore, the inventor proposed first provides the notion of the sub-transferred account card service of the no cipher telegram of safety to obtain establishment to the user.
Do not retrieve at present the relevant patent documentation of the sub-transferred account card of the relevant no cipher telegram of safety as yet.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, provide a kind of instruction control to realize safe and safe easily, the sub-transfer service device of no cipher telegram by mobile phone, adopt this device just can issue and popularize the sub-transferred account card of the no cipher telegram of safety, the user of the sub-transferred account card of no cipher telegram safe in utilization can carry out the account transfer of ecommerce easily under the condition of guaranteeing its bank account fund security.
The present invention also provides a kind of sub-transferred account card of the no cipher telegram of safety of transferring accounts and controlling by instruction based on mobile phone, thereby protects the safety of fund on user's bank account, e-commerce initiatives such as greatly user friendly account transfer and payment activity effectively.
The present invention also provides the construction method of the sub-transfer service device of a kind of safe, no cipher telegram.
The present invention also provides a kind of does not have the method that the sub-transferred account card of cipher telegram is finished the ecommerce account transfer by safety.
The present invention also provides a kind of does not have the method that the sub-transferred account card of cipher telegram is finished settlement transfer by safety.
The total technical conceive of the present invention is, set up a kind of wire transfer equipment, and issue the sub-transferred account card of the no cipher telegram of a kind of safety, the mobile phone user does not have the sub-transferred account card of cipher telegram, Mobile Directory Number and bank card to it safely and set up contrast relationship in this wire transfer equipment, and make full use of the function such as short message, phonetic dialing, data service of mobile phone, make the user send account transfer and instruct this wire transfer equipment that this wire transfer equipment is finished account transfer between safety sub-transferred account card of no cipher telegram and the bank card by Unionpay's transaction interface server by mobile phone; The user does not have the sub-transferred account card of cipher telegram to safety and is used on the various POS machines and carries out delivery operation easily; The user can stop or reporting the loss this by mobile phone does not have the sub-transferred account card of cipher telegram safely; The user also can finish various payments of closing the account such as telephone charge, the electricity charge, water rate easily by the account transfer steering order of mobile phone; And when the user comes handling safety not have the sub-transferred account card of cipher telegram by the mobile phone sending controling instruction after, this wire transfer equipment will feed back to this user to execution result with the form of short message.Such benefit is to protect the safety of fund on user's bank account to greatest extent, user friendly to greatest extent E-Payment activity.
Technical scheme of the present invention is as follows:
Safety, the sub-transfer service device of no cipher telegram, it is characterized in that: comprise and the interconnected respectively mobile control gateway equipment of mobile communications network, telecom operators' internal data network and data Internet, described mobile control gateway equipment connects mobile telephone terminal users by the mobile communications network of telecom operation, connecting short message service center, short messaging gateway and several pseudo telecommunications service provider by the mobile operator internal data network is the SP service interface server, connects the internet computer user by the data Internet; With the account of Unionpay interface server, the ATM of several banks or POS, the sub-transferred account card communication facilities of the no cipher telegram of safety that the clearing interface server of several clearing houses and/or several ecommerce interface servers are interconnected respectively, the sub-transferred account card communication facilities of the described no cipher telegram of safety has Administrative Security is not had the sub-transferred account card account of cipher telegram, handle the sub-transferred account card account's of the no cipher telegram of safety ta vservice, handling ta vservice between bank account and the safety no cipher telegram transferred account card account and preservation and Administrative Security does not have the sub-transferred account card account's of cipher telegram account transfer writing function, and be connected in described mobile telephone terminal by described mobile control gateway equipment, receive account's operational order that the user sends up by mobile phone, and the return result gives described mobile control gateway equipment, and described mobile control gateway equipment returns to the mobile phone user to the operation execution result.
The sub-transferred account card of a kind of no cipher telegram of safety, it is characterized in that: comprise an account number and a sheet smart card, radio-frequency card or a magnetic card relevant with account, perhaps it makes up, and sets up a Mobile Directory Number with corresponding relation, a safety sub-account on transfer transactions of no cipher telegram and an account No. at the lane database of wire transfer equipment; This does not have the sub-transferred account card of cipher telegram safely, can be used in to control this by mobile phone and do not have various the closing the account of the sub-transferred account card of cipher telegram payment safely; Described Mobile Directory Number and account No., being used to control this does not have current remaining sum and state on the sub-transferred account card of cipher telegram safely; When the user supplements order with money behind wire transfer equipment by what the phone that carries this Mobile Directory Number send to be set number, described wire transfer equipment is by Unionpay's transaction interface server, the funds transfer of matching amount on this bank card account is not had the sub-transferred account card account of cipher telegram safely to this, and by short message notification to this mobile phone; When the user send inquiry into balance by the phone that carries this Mobile Directory Number or report the loss etc. order wire transfer equipment after, described wire transfer equipment sends to the mode of execution result with short message on this mobile phone; This does not have the sub-transferred account card of cipher telegram safely, can withdraw the money on the ATM of bank, the consumption of transferring accounts on the POS of service or commodity provider; As user when the sub-transferred account card of no cipher telegram safe in utilization is paid on the POS machine, purpose account does not limit, and does not need password, but need carry out real-time account's operation by networking.
The account-opening method of the sub-transferred account card of the described no cipher telegram of safety is characterized in that: at first build safety, the sub-transfer service device of no cipher telegram on the trade network of Unionpay; Increase the menu and the relative program of " the sub-transferred account card of the no cipher telegram of safety is opened an account " on the POS machine of Unionpay; The mobile phone user is on the POS of Unionpay machine, after selecting " account transfer of no cipher telegram of safety is opened an account " business, POS machine prompting user brushes bank card, after the user brushes bank card, POS machine prompting user inputs password, the user inputs after the password, POS machine prompting user imports its Mobile Directory Number, the user imports after its Mobile Directory Number, and the POS machine sends the account management server of bank card account inquiry into balance order that this user the brushed bank under this user's the bank card by Unionpay's transaction interface server; If the account management server of bank returns to Unionpay's transaction interface server inquiry into balance success message, then Unionpay's transaction interface server sends the Mobile Directory Number verification command to the sub-transfer service device of described safe, no cipher telegram, this safety, the sub-transfer service device of no cipher telegram send the subscriber data server of the status command of this mobile phone of inquiry to the affiliated telecom operators of this Mobile Directory Number user, and the subscriber data server of telecom operators returns this Mobile Directory Number state of user to the sub-transfer service device of described safe, no cipher telegram; If this Mobile Directory Number is a normal users, this safety, the sub-transfer service device of no cipher telegram are set up the corresponding relation of this user's mobile phone and this user's bank card in database, and the state success message that sends the checking mobile phone arrives Unionpay's transaction interface server, Unionpay's transaction interface server returns to POS machine operation success message, POS machine prompting teller distributes a sub-transferred account card of the no cipher telegram of safety to the user, and points out the user to brush this and do not have the sub-transferred account card of cipher telegram safely; After the sub-transferred account card of the no cipher telegram of safety that this user distributes with the teller is swiped the card, the POS machine sends the inquiry into balance querying command to Unionpay's transaction interface server, Unionpay's transaction interface server sends this inquiry into balance order of not having the sub-transferred account card of cipher telegram safely to described safety, the sub-transfer service device of no cipher telegram, this safety, the sub-transfer service device of no cipher telegram is set up this user's mobile phone number and its and is not had the corresponding relation of the sub-transferred account card of cipher telegram safely in database after, by telecom operators' mobile communications network, transmission is opened an account the short message of success content to this mobile phone user, simultaneously, return the inquiry into balance success message to the POS machine by Unionpay's transaction interface server, after the POS machine was received this message, the prompting user opened an account successfully.
The construction method of safety, the sub-transfer service device of no cipher telegram, it is characterized in that, in network of relation, carry out the setting of data and construction and account's control method of relevant device, comprise: build the sub-transferred account card communication facilities of the no cipher telegram of safety, mobile control gateway equipment, and the ecommerce interface server of the clearing interface server of each clearing houses through passing and ecommerce provider is connected to the sub-transferred account card communication facilities of the no cipher telegram of safety by data network; Described mobile control gateway equipment is responsible for receiving the mobile phone user does not have the sub-transferred account card account of cipher telegram to safety by mobile phone operational order, and such instruction sent to safety no cipher telegram transferred account card communication facilities, receive the instruction manipulation result that the sub-transferred account card communication facilities of the no cipher telegram of safety sends over, and carry out the mutual of voice, short message and/or data mode with the mobile phone user; Described account's control method is meant, after the user sends instruction by mobile phone, the sub-transfer service device of described safe, no cipher telegram does not just have the funds transfer on its bank account safely to it on sub-transferred account card account of cipher telegram, or it there is not funds transfer on the sub-transferred account card account of cipher telegram safely to the account of its bank, and only allow mobile phone to initiate, and the bank card account of this Mobile Directory Number correspondence and the account transfer between the sub-transferred account card account of the no cipher telegram of safety in its database; The account management server of bank only allows the sub-transfer service device of described safe, no cipher telegram to provide funds from Mobile Directory Number user's bank card account transfer; Do not have the sub-transferred account card user of cipher telegram when safety and send the account transfer control command behind the sub-transfer service device of described safe, no cipher telegram by mobile phone, after this safety, the sub-transfer service device prompting of no cipher telegram user confirm, the operation of can transferring accounts, after account transfer was finished, this mobile phone can receive the successful short message prompt of account transfer.
There is not the method that the sub-transferred account card of cipher telegram is finished the ecommerce account transfer by safety, it is characterized in that may further comprise the steps: when the user pays by the E-business service interface of ecommerce provider, the E-business service interface prompt user of ecommerce provider imports the sub-transferred account card card number of the no cipher telegram of safety, and generation identifying code and transfer amount message, ecommerce interface server through this ecommerce provider sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety checks that this does not have the sub-transferred account card of cipher telegram safely whether enough transfer funds are arranged, if there are not enough transfer funds, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the sub-transferred account card communication facilities of the no cipher telegram of safety forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center by mobile control gateway equipment, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is verified identifying code, after checking is passed through, safety no cipher telegram transferred account card communication facilities does not have funds transfer on the sub-transferred account card account of cipher telegram to this safely to the account No. of this ecommerce provider, and an account transfer operating result replies to the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, and finishes other processes of this ecommerce; Described identifying code is at every turn all different, has randomness.
There is not the method that the sub-transferred account card of cipher telegram is finished settlement transfer by safety, it is characterized in that may further comprise the steps: the user sends account transfer by mobile phone and orders mobile control gateway equipment, mobile control gateway equipment and user carry out alternately, after the user confirms transfer amount and the clearing houses that collect account, mobile control gateway equipment sends the settlement transfer requests order to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is arranged according to the user, the funds transfer in the bank card of its mobile phone correspondence or the safety no cipher telegram transferred account card to the account No. of these clearing houses, the amount of money of this user's payment of clearing interface server of concurrent these clearing houses of order indication of losing one's life, and after receiving the operation success message that this clearing interface server returns, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to this user to the operating result of transferring accounts by short message by mobile control gateway equipment.
The technology of the present invention effect is as follows:
By technique scheme as can be seen, do not have the sub-transferred account card of cipher telegram by Mobile Directory Number by safety and realize that the sub-transfer transactions of the no cipher telegram of safety is a kind of new way that guarantees the fund security of user's bank card.The sub-transferred account card of the no cipher telegram of safety is different from the general account of bank, be characterized in that the sub-transferred account card account of the no cipher telegram of safety is the account of user towards various payments, the user can have much the account of bank, but in the time of foreign payment, no cipher telegram only safe in utilization sub-transferred account card account transfer accounts, the user sends instructions to safety of the present invention by its mobile phone, the sub-transfer service device of no cipher telegram, safety of the present invention, the sub-transfer service device of no cipher telegram does not have the funds transfer on its bank account safely to it on sub-transferred account card account of cipher telegram by the instruction that this mobile phone sends according to the user, or it is not had funds transfer on the sub-transferred account card account of cipher telegram safely to the account of its bank.So just protect the safety of fund on user's bank account effectively, greatly user friendly payment activity.The sub-transferred account card business of the no cipher telegram of safety effectively ensures user's fund security and interests when making things convenient for the user, will promote further developing of ecommerce.
Description of drawings
Fig. 1 is the applied schematic network structure of the present invention.
Embodiment
The present invention is described in further detail below in conjunction with accompanying drawing.
Safety, the sub-transfer service device of no cipher telegram, applied network structure as shown in Figure 1, its structure is made up of following each several part respectively: comprise and mobile communications network, the of the present invention mobile control gateway equipment that telecom operators' internal data network and data Internet are interconnected respectively, mobile control gateway equipment of the present invention connects mobile telephone terminal users by the mobile communications network of telecom operation, connect short message service center by the mobile operator internal data network, short messaging gateway and several telecommunication service providers are the SP service interface server, connect the internet computer user by the data Internet; With the account of Unionpay interface server, the clearing interface server of the ATM of several banks or POS and several clearing houses, the sub-transferred account card communication facilities of the no cipher telegram of safety of the present invention that several ecommerce interface servers are interconnected respectively, the sub-transferred account card communication facilities of the no cipher telegram of safety of the present invention has Administrative Security is not had the sub-transferred account card account of cipher telegram, handle the sub-transferred account card account's of the no cipher telegram of safety ta vservice, handling ta vservice between bank account and the safety no cipher telegram transferred account card account and preservation and Administrative Security does not have the sub-transferred account card account's of cipher telegram account transfer writing function, and be connected in described mobile telephone terminal by mobile control gateway equipment of the present invention, receive account's operational order that the user sends up by mobile phone, and the return result gives mobile control gateway equipment of the present invention, and mobile control gateway equipment of the present invention is returning to the mobile phone user according to execution result.
The function of each several part is described below:
Safety no cipher telegram transferred account card communication apparatus communication equipment: be meant that Administrative Security do not have the sub-transferred account card account of cipher telegram, Administrative Security does not have the sub-transferred account card account's of cipher telegram ta vservice, carry out the account transfer operation between bank account and the sub-transferred account card account of the no cipher telegram of safety, preservation and Administrative Security do not have the sub-transferred account card account's of cipher telegram account transfer record etc.
Mobile control gateway equipment: be meant to receive the mobile phone user, telecommunication service provider (SP), the transfer request of ecommerce provider etc., pass through short message, voice, data etc. are professional and the mobile phone user is mutual and confirm ta vservice, the transfer request order that sends the sub-transferred account card account of the relevant no cipher telegram of safety is to the sub-transferred account card communication facilities of the no cipher telegram of safety, receive the return results of the account transfer operation of the sub-transferred account card communication facilities answer of the no cipher telegram of safety, the account transfer operating result that does not have the sub-transferred account card account of cipher telegram for safety forms short message and sends to its corresponding Mobile Directory Number user, and the while sends to the operating result of account transfer the requestor of initiation account transfer etc.
Described clearing houses are meant in companies such as telecom operators, power supply, water supply, air feed, CATV (cable television) etc.
Described SP is meant the pseudo telecommunications service provider.
The account of Unionpay interface server: be meant that the user that mechanism of Unionpay provides carries out account query and/or the service equipment of the interface of transferring accounts to each networking bank.
The ecommerce interface server: what be meant that each ecommerce provider provides sells the interface service equipment of account transfer to commodity or service.
Balance account interface server: be meant that user that each clearing houses provides is to its account in these clearing houses interface operable service equipment that manages, inquires about and/or transfer accounts.
SP interface server: the service interface server that is meant each telecommunication service provider (SP).
Short message service center: be meant and mobile communications network short message interconnected, that be used to receive mobile phone that the storage short message is transmitted the equipment of short message to destination address.Short message service center is used to handle the short message communication between mobile phone and the short message service SP by the interconnected short messaging gateway of mobile operator internal network.
Short messaging gateway: be meant provide for short message service SP, be used for SP and provide the equipment of Short Message Service and charging for the mobile phone user, this equipment is interconnected by mobile operator internal network and short message service center.
Telecom operators' mobile communications network: be meant that telecom operators provide the network of communication service for its mobile phone user.
Telecom operators' internal data network: be meant the data communication network between its communication facilities of telecom operators' construction.
The data Internet: being meant provides the network that carries out data communication between the computing machine.
Unionpay's data network: be meant the data network of setting up for the data communication of finishing between the banking server.
Mobile telephone terminal: be meant the portable terminal of login on the mobile communications network of mobile operator.
Internet computer: be meant the computing machine that can sign in on the data internet.
Implement the present invention and at first need in above-mentioned network, carry out the setting of data and the construction of relevant device, in network of relation, carry out the setting of data and construction and account's control method of relevant device, specifically describe as follows: build the sub-transferred account card communication facilities of the no cipher telegram of safety, mobile control gateway equipment, and the ecommerce interface server of the clearing interface server of each clearing houses that passes and ecommerce provider is connected to the sub-transferred account card communication facilities of the no cipher telegram of safety by data network; Described mobile control gateway equipment is responsible for receiving the mobile phone user does not have the sub-transferred account card account of cipher telegram to safety by mobile phone operational order, and such instruction sent to safety no cipher telegram transferred account card communication facilities, receive the instruction manipulation result that the sub-transferred account card communication facilities of the no cipher telegram of safety sends over, and carry out the mutual of modes such as voice, short message, data with the mobile phone user; Described account's control method is meant, after the user sends instruction by mobile phone, apparatus of the present invention just do not have the funds transfer on its bank account safely to it on sub-transferred account card account of cipher telegram, or it there is not funds transfer on the sub-transferred account card account of cipher telegram safely to the account of its bank, and only allow mobile phone to initiate, and the bank card account of this Mobile Directory Number correspondence and the account transfer between the sub-transferred account card account of the no cipher telegram of safety in its database; The account management server of bank only allows the sub-transfer service device of safe, no cipher telegram of the present invention to provide funds from Mobile Directory Number user's bank card account transfer; Do not have the sub-transferred account card user of cipher telegram when safety and send the account transfer control command behind the sub-transfer service device of safe, no cipher telegram of the present invention by mobile phone, after the sub-transfer service device prompting of safe, no cipher telegram of the present invention user confirms, the operation of can transferring accounts, after account transfer was finished, this mobile phone can receive the successful short message prompt of account transfer.
The flow process of opening an account of the sub-transferred account card of the no cipher telegram of safety: at first on the trade network of Unionpay, build safety, the sub-transfer service device of no cipher telegram; Increase the menu and the relative program of " the sub-transferred account card of the no cipher telegram of safety is opened an account " on the POS machine of Unionpay; The mobile phone user is on the POS of Unionpay machine, after selecting " account transfer of no cipher telegram of safety is opened an account " business, POS machine prompting user brushes bank card, after the user brushes bank card, POS machine prompting user inputs password, the user inputs after the password, POS machine prompting user imports its Mobile Directory Number, the user imports after its Mobile Directory Number, the POS machine sends the account management server of bank card account inquiry into balance order that this user the brushed bank under this user's the bank card by Unionpay's transaction interface server, if the account management server of bank returns to Unionpay's transaction interface server inquiry into balance success message, then Unionpay's transaction interface server sends the Mobile Directory Number verification command to safety of the present invention, the sub-transfer service device of no cipher telegram, safety of the present invention, the sub-transfer service device of no cipher telegram sends the subscriber data server of the status command of this mobile phone of inquiry to the affiliated telecom operators of this Mobile Directory Number user, the subscriber data server of telecom operators returns this Mobile Directory Number state of user to safety of the present invention, the sub-transfer service device of no cipher telegram, if this Mobile Directory Number is a normal users, safety of the present invention, the sub-transfer service device of no cipher telegram is set up the corresponding relation of this user's mobile phone and this user's bank card in database, and the state success message that sends the checking mobile phone arrives Unionpay's transaction interface server, Unionpay's transaction interface server returns to POS machine operation success message, POS machine prompting teller distributes the sub-transferred account card of the no cipher telegram of safety of anticipatory remark invention definition to the user, and point out the user to brush this and do not have the sub-transferred account card of cipher telegram safely, after the sub-transferred account card of the no cipher telegram of safety that this user distributes with the teller is swiped the card, the POS machine sends the inquiry into balance querying command to Unionpay's transaction interface server, Unionpay's transaction interface server sends this inquiry into balance order of not having the sub-transferred account card of cipher telegram safely to safety of the present invention, the sub-transfer service device of no cipher telegram, safety of the present invention, the sub-transfer service device of no cipher telegram is set up this user's mobile phone number and its and is not had the corresponding relation of the sub-transferred account card of cipher telegram safely in database after, by telecom operators' mobile communications network, transmission is opened an account the short message of success content to this mobile phone user, simultaneously, return the inquiry into balance success message to the POS machine by Unionpay's transaction interface server, after the POS machine was received this message, the prompting user opened an account successfully.Described POS (Point of Sales) is meant information such as can accepting magnetic stripe card, IC-card to have communication function, and accept teller's instruction and finish financial transaction information and for information about the exchange equipment.
When not having the sub-transferred account card of cipher telegram and finish the method for ecommerce account transfer and be meant that the user pays by the E-business service interface of ecommerce provider by safety, the E-business service interface prompt user of ecommerce provider imports the sub-transferred account card card number of the no cipher telegram of safety, and generation identifying code and transfer amount message, ecommerce interface server through this ecommerce provider sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety checks that this does not have the sub-transferred account card of cipher telegram safely whether enough transfer funds are arranged, if there are not enough transfer funds, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the sub-transferred account card communication facilities of the no cipher telegram of safety forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center by mobile control gateway equipment, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is verified identifying code, after checking is passed through, safety no cipher telegram transferred account card communication facilities does not have funds transfer on the sub-transferred account card account of cipher telegram to this safely to the account No. of this ecommerce provider, and an account transfer operating result replies to the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes the account transfer process of this ecommerce.
Not having the sub-transferred account card of cipher telegram by safety finishes the method for settlement transfer and is meant that the user sends account transfer by mobile phone and orders mobile control gateway equipment, mobile control gateway equipment and user carry out alternately, after the user confirms transfer amount and the clearing houses that collect account, mobile control gateway equipment sends the settlement transfer requests order to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is arranged according to the user, the funds transfer in the bank card of its mobile phone correspondence or the safety no cipher telegram transferred account card to the account No. of these clearing houses, and after indicating the amount of money of this user of clearing interface server payment of these clearing houses, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to this user to the account transfer operating result by short message by mobile control gateway equipment.
Should be pointed out that the above embodiment can make those skilled in the art more fully understand the present invention, but do not limit the present invention in any way.Therefore, although this instructions has been described in detail the present invention with reference to drawings and embodiments,, it will be appreciated by those skilled in the art that still and can make amendment or be equal to replacement the present invention; And all do not break away from the technical scheme and the improvement thereof of the spirit and scope of the present invention, and it all should be encompassed in the middle of the protection domain of patent of the present invention.
Claims (6)
1. safety, the sub-transfer service device of no cipher telegram, it is characterized in that: comprise and the interconnected respectively mobile control gateway equipment of mobile communications network, telecom operators' internal data network and data Internet, described mobile control gateway equipment connects mobile telephone terminal users by the mobile communications network of telecom operation, connecting short message service center, short messaging gateway and several pseudo telecommunications service provider by the mobile operator internal data network is the SP service interface server, connects the internet computer user by the data Internet; With the account of Unionpay interface server, the ATM of several banks or POS, the sub-transferred account card communication facilities of the no cipher telegram of safety that the clearing interface server of several clearing houses and/or several ecommerce interface servers are interconnected respectively, the sub-transferred account card communication facilities of the described no cipher telegram of safety has Administrative Security is not had the sub-transferred account card account of cipher telegram, handle the sub-transferred account card account's of the no cipher telegram of safety ta vservice, handling ta vservice between bank account and the safety no cipher telegram transferred account card account and preservation and Administrative Security does not have the sub-transferred account card account's of cipher telegram account transfer writing function, and be connected in described mobile telephone terminal by described mobile control gateway equipment, receive account's operational order that the user sends up by mobile phone, and the return result gives described mobile control gateway equipment, and described mobile control gateway equipment is returning to the mobile phone user according to execution result.
2. safety no cipher telegram transferred account card, it is characterized in that: comprise an account number and a sheet smart card, radio-frequency card or a magnetic card relevant with account, perhaps it makes up, and sets up a Mobile Directory Number with corresponding relation, a safety sub-account on transfer transactions of no cipher telegram and an account No. at the lane database of wire transfer equipment; This does not have the sub-transferred account card of cipher telegram safely, can be used in to control this by mobile phone and do not have various the closing the account of the sub-transferred account card of cipher telegram payment safely; Described Mobile Directory Number and account No., being used to control this does not have current remaining sum and state on the sub-transferred account card of cipher telegram safely; When the user supplements order with money behind wire transfer equipment by what the phone that carries this Mobile Directory Number send to be set number, described wire transfer equipment is by Unionpay's transaction interface server, the funds transfer of matching amount on this bank card account is not had the sub-transferred account card account of cipher telegram safely to this, and by short message notification to this mobile phone; When the user send inquiry into balance by the phone that carries this Mobile Directory Number or report the loss etc. order wire transfer equipment after, described wire transfer equipment sends to the mode of execution result with short message on this mobile phone; This does not have the sub-transferred account card of cipher telegram safely, can withdraw the money on the ATM of bank, the consumption of transferring accounts on the POS of service or commodity provider; As user when the sub-transferred account card of no cipher telegram safe in utilization is paid on the POS machine, purpose account does not limit, and does not need password, but need carry out real-time account's operation by networking.
3. an account-opening method that is used for the sub-transferred account card of the described no cipher telegram of safety of claim 2 is characterized in that may further comprise the steps: at first build safety, the sub-transfer service device of no cipher telegram on the trade network of Unionpay; Increase the menu and the relative program of " the sub-transferred account card of the no cipher telegram of safety is opened an account " on the POS machine of Unionpay; The mobile phone user is on the POS of Unionpay machine, after selecting " account transfer of no cipher telegram of safety is opened an account " business, POS machine prompting user brushes bank card, after the user brushes bank card, POS machine prompting user inputs password, the user inputs after the password, POS machine prompting user imports its Mobile Directory Number, the user imports after its Mobile Directory Number, and the POS machine sends the account management server of bank card account inquiry into balance order that this user the brushed bank under this user's the bank card by Unionpay's transaction interface server; If the account management server of bank returns to Unionpay's transaction interface server inquiry into balance success message, then Unionpay's transaction interface server sends the Mobile Directory Number verification command to the sub-transfer service device of described safe, no cipher telegram, this safety, the sub-transfer service device of no cipher telegram send the subscriber data server of the status command of this mobile phone of inquiry to the affiliated telecom operators of this Mobile Directory Number user, and the subscriber data server of telecom operators returns this Mobile Directory Number state of user to the sub-transfer service device of described safe, no cipher telegram; If this Mobile Directory Number is a normal users, this safety, the sub-transfer service device of no cipher telegram are set up the corresponding relation of this user's mobile phone and this user's bank card in database, and the state success message that sends the checking mobile phone arrives Unionpay's transaction interface server, Unionpay's transaction interface server returns to POS machine operation success message, POS machine prompting teller distributes a sub-transferred account card of the no cipher telegram of safety to the user, and points out the user to brush this and do not have the sub-transferred account card of cipher telegram safely; After the sub-transferred account card of the no cipher telegram of safety that this user distributes with the teller is swiped the card, the POS machine sends the inquiry into balance querying command to Unionpay's transaction interface server, Unionpay's transaction interface server sends this inquiry into balance order of not having the sub-transferred account card of cipher telegram safely to described safety, the sub-transfer service device of no cipher telegram, this safety, the sub-transfer service device of no cipher telegram is set up this user's mobile phone number and its and is not had the corresponding relation of the sub-transferred account card of cipher telegram safely in database after, by telecom operators' mobile communications network, transmission is opened an account the short message of success content to this mobile phone user, simultaneously, return the inquiry into balance success message to the POS machine by Unionpay's transaction interface server, after the POS machine was received this message, the prompting user opened an account successfully.
4. the construction method of safety, the sub-transfer service device of no cipher telegram, it is characterized in that, in network of relation, carry out the setting of data and construction and account's control method of relevant device, comprise: build the sub-transferred account card communication facilities of the no cipher telegram of safety, mobile control gateway equipment, and the ecommerce interface server of the clearing interface server of each clearing houses that satisfies the requirements and ecommerce provider is connected to the sub-transferred account card communication facilities of the no cipher telegram of safety by data network; Described mobile control gateway equipment is responsible for receiving the mobile phone user does not have the sub-transferred account card account of cipher telegram to safety by mobile phone operational order, and such instruction sent to safety no cipher telegram transferred account card communication facilities, receive the instruction manipulation result that the sub-transferred account card communication facilities of the no cipher telegram of safety sends over, and carry out the mutual of voice, short message and/or data mode with the mobile phone user; Described account's control method is meant, after the user sends instruction by mobile phone, the sub-transfer service device of described safe, no cipher telegram does not just have the funds transfer on its bank account safely to it on sub-transferred account card account of cipher telegram, or it there is not funds transfer on the sub-transferred account card account of cipher telegram safely to the account of its bank, and only allow mobile phone to initiate, and the bank card account of this Mobile Directory Number correspondence and the account transfer between the sub-transferred account card account of the no cipher telegram of safety in its database; The account management server of bank only allows the sub-transfer service device of described safe, no cipher telegram to provide funds from Mobile Directory Number user's bank card account transfer; Do not have the sub-transferred account card user of cipher telegram when safety and send the account transfer control command behind the sub-transfer service device of described safe, no cipher telegram by mobile phone, after this safety, the sub-transfer service device prompting of no cipher telegram user confirm, the operation of can transferring accounts, after account transfer was finished, this mobile phone can receive the successful short message prompt of account transfer.
5. finish the method for ecommerce account transfer by the sub-transferred account card of the no cipher telegram of safety as claimed in claim 2, it is characterized in that may further comprise the steps: when the user pays by the E-business service interface of ecommerce provider, the E-business service interface prompt user of ecommerce provider imports the sub-transferred account card card number of the no cipher telegram of safety, and generation identifying code and transfer amount message, ecommerce interface server through this ecommerce provider sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety checks that this does not have the sub-transferred account card of cipher telegram safely whether enough transfer funds are arranged, if there are not enough transfer funds, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to the unsuccessful information of account transfer the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, finishes this ecommerce account transfer process; If enough transfer funds are arranged, the sub-transferred account card communication facilities of the no cipher telegram of safety forms the identifying code short message, and send on this user's mobile phone through short messaging gateway or sms center by mobile control gateway equipment, send the ecommerce interface server of the message of prompting user input validation sign indicating number simultaneously to this ecommerce provider, this ecommerce interface server is by above-mentioned E-business service interface prompt user input validation sign indicating number, this user imports after the identifying code in the short message that its mobile phone receives, the message that the interface server of ecommerce provider forms the account transfer content sends to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is verified identifying code, after checking is passed through, safety no cipher telegram transferred account card communication facilities does not have funds transfer on the sub-transferred account card account of cipher telegram to this safely to the account No. of this ecommerce provider, and an account transfer operating result replies to the ecommerce interface server of this ecommerce provider, this ecommerce interface server is given this user the message of returning by above-mentioned E-business service interface display, and finishes other processes of this ecommerce; Described identifying code is at every turn all different, has randomness.
6. finish the method for settlement transfer by the sub-transferred account card of the no cipher telegram of safety as claimed in claim 2, it is characterized in that may further comprise the steps: the user sends account transfer by mobile phone and orders mobile control gateway equipment, mobile control gateway equipment and user carry out alternately, after the user confirms transfer amount and the clearing houses that collect account, mobile control gateway equipment sends the settlement transfer requests order to the sub-transferred account card communication facilities of the no cipher telegram of safety, the sub-transferred account card communication facilities of the no cipher telegram of safety is arranged according to the user, the funds transfer in the bank card of its mobile phone correspondence or the safety no cipher telegram transferred account card to the account No. of these clearing houses, and the amount of money order of this user's payment of clearing interface server of these clearing houses of transmission indication, and after receiving the operation success message that this clearing interface server returns, the sub-transferred account card communication facilities of the no cipher telegram of safety sends to this user to the operating result of transferring accounts by short message by mobile control gateway equipment.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100116959A CN1835012A (en) | 2006-04-14 | 2006-04-14 | Safety, non-secret electronic transferring accounts service device and transferring accounts card and method |
| PCT/CN2007/001234 WO2007118428A1 (en) | 2006-04-14 | 2007-04-16 | Safety, Password-free electronic transfer service device and transfer card and method therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100116959A CN1835012A (en) | 2006-04-14 | 2006-04-14 | Safety, non-secret electronic transferring accounts service device and transferring accounts card and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1835012A true CN1835012A (en) | 2006-09-20 |
Family
ID=37002739
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100116959A Pending CN1835012A (en) | 2006-04-14 | 2006-04-14 | Safety, non-secret electronic transferring accounts service device and transferring accounts card and method |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN1835012A (en) |
| WO (1) | WO2007118428A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | 中国银联股份有限公司 | Bank card payment method and system |
| CN103999106A (en) * | 2011-06-14 | 2014-08-20 | 自适应付款股份有限公司 | System and method of multi-factor balance inquiry and electronic funds transfer |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE19946537A1 (en) * | 1999-09-28 | 2001-04-05 | Deutsche Telekom Mobil | Procedure for billing internet services via mobile radio |
| CN1658203A (en) * | 2004-02-22 | 2005-08-24 | 陈童 | Method for implementing mobile electronic business |
| CN1652130A (en) * | 2005-02-25 | 2005-08-10 | 侯万春 | Intelligent wallet based on mobile phone number and device and method for implementing the same |
-
2006
- 2006-04-14 CN CNA2006100116959A patent/CN1835012A/en active Pending
-
2007
- 2007-04-16 WO PCT/CN2007/001234 patent/WO2007118428A1/en active Application Filing
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103999106A (en) * | 2011-06-14 | 2014-08-20 | 自适应付款股份有限公司 | System and method of multi-factor balance inquiry and electronic funds transfer |
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | 中国银联股份有限公司 | Bank card payment method and system |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2007118428A1 (en) | 2007-10-25 |
| WO2007118428A8 (en) | 2007-12-21 |
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Application publication date: 20060920 |