CN201974880U - Safe real-time bank payment system - Google Patents

Safe real-time bank payment system Download PDF

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Publication number
CN201974880U
CN201974880U CN2011200344044U CN201120034404U CN201974880U CN 201974880 U CN201974880 U CN 201974880U CN 2011200344044 U CN2011200344044 U CN 2011200344044U CN 201120034404 U CN201120034404 U CN 201120034404U CN 201974880 U CN201974880 U CN 201974880U
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China
Prior art keywords
payment
transaction
user
bank
short message
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CN2011200344044U
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Chinese (zh)
Inventor
周锡卫
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周锡卫
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Abstract

The utility model relates to a safe real-time bank payment system. The system comprises a bank settlement and payment business system, a short message system, a transaction and payment terminal, a user communication terminal, a payment business communication network, a short message communication network, a user transaction and payment information carrier and information card, a transaction and payment data recorder, a dynamic password information packet, transaction and payment passwords, a transaction and payment acknowledgment information list and a user temporary communication terminal. The system has the advantages that the problems and the defects in the prior art can be overcome, the risk that losses are caused when bankcards are stolen or lost can be reduced or avoided, the use and the operation are very simple and convenient, sufficient flexibility and convenience can be provided for users, and a bank has no need to reinvest short message receiving and treatment system/equipment, so that the resources are saved, the efficiency is improved, and the users can feel safe and relieved and have more faith in using the bankcards.

Description

A kind of safe real-time bank payment system
Technical field
The utility model belongs to release Secure Transaction payment technology field, is specifically related to a kind of safe real-time bank payment system.
Background technology
The widespread usage of bank card brings great convenience for people's live and work, also, prior art cloned and deceived the robber simultaneously because can not guaranteeing payment of bank card safety and the bank card that constantly occurs, not only cause great loss and injury, return people and bring unsafe factor and cause huge dangerous and psychological pressure to people.
For bank card security payment system and method, global inventor is making great efforts research, makes every effort to overcome the technological deficiency of embezzlement of bank card, and proposes appropriate technical solution.
As: Chinese patent application number is that the technical scheme of 20090164350.0 " bank paying is confirmed system and confirmation methods thereof " adopts the method that increases the bank card binding mobile phone, and phone number and SMS confirmation password with the user when bank counter is handled bank card are set and deposit in the bank in the card business system for future reference.When the user uses bank card to pay transaction, except the user needs to need the user to use the mobile phone of binding to send SMS simultaneously and confirm password to transaction payment terminal input bank card payment cipher.Banking system need be examined transaction payment terminal transmission payment cipher and SMS confirmation password that note system is received and the password comparison that confirms phone that prestores, this claim 1 is described, and " bank paying is confirmed system; it is characterized in that; comprise client's mobile phone; the short message communication system; bank information transmission system; banking system, banking processing terminal and bank short message are confirmed system, client's mobile phone is by the short message communication system, bank information transmission system and bank short message affirmation system carry out the information interaction of SMS confirmation password, and banking system confirms that according to client's mobile phone and bank short message the information interaction result of system controls the banking processing terminal and carries out corresponding operating." technical scheme of this technical scheme and its disclosed Chinese patent application number 200710070595.8 " a kind of method and systems of synchronous conforming credit card safety trade " before 2 years is essentially identical in essence; this technical scheme is described below first section of example: " as illustrated in fig. 1 and 2, a kind of method of synchronous conforming credit card safety trade is: in original credit card transaction terminal, as inserting credit card on the terminal systems such as ATM, the input password, this moment, bank's corresponding server can be received the information of being sent by terminal, transaction request according to terminal, bank server is searched the user's who checks identity information in user information storage unit, as card number and password, access holder's phone number simultaneously, and the content of transaction is sent on user's the mobile phone through communication module with the SMS form.The user is after receiving the affirmation instruction, if the transaction that he or she's requirement is finished, the user is transferred to bank server through communication module with secondary confirmation code by sending note so, bank server is checked the confirmation code received and the confirmation code in the storage unit, if consistent, so just carry out transaction request.Otherwise just refuse transaction request, transaction stops.”
Other schemes of above-mentioned two technical schemes and prior art all are based on banking system and utilize short message system and end user to carry out information interaction, carry out the two-pass cipher checking.The major defect of the described technical scheme of its prior art is:
1. for adopting the short message exchange method and carrying out the technical scheme of two-pass cipher demonstration validation, the short message transmitting system of having only the transaction prompting because of existing business system of bank, so also needing bank to increase short message receives and disposal system, and the step and the flow process of modification transaction payment and checking, influenced the operability that bank promotes and adopts;
2. even if adopt technique scheme, owing to be to take cell-phone number and two-pass cipher and bank card binding form, make that two-pass cipher is the stationary sign indicating number, be that the user all uses same two-pass cipher at every turn, so steal the lawless person of bank card and trading password, it is big unlike the difficulty of stealing bank card and trading password to deceive robber's two-pass cipher, and therefore cheated robber's risk class is identical.February in 2011, central TV station on the 7th news program was reported a prompting, and " variant virus that has occurred at present mobile phone viruses " X planted agent " in the society can monitoring users note and phone information, and the privacy at passenger family is set about in threat greatly." this bad news beyond doubt, cause bigger threat for the technical scheme that adopts SMS (short message service) to carry out the two-pass cipher demonstration validation.
3. technique scheme takes bank card and handset binding to use, the user mobile phone not at one's side or battery do not have the transaction of just can't swiping the card under the situation of electricity, greatly limited user's swipe the card transaction and use, make troubles to the user.
In order to overcome the defective of above-mentioned prior art, the utility model proposes a kind of safe real-time bank payment system, realized safe, the convenient popularization that is easy to.
Summary of the invention
The purpose of this utility model is to overcome prior art problems and defective, reduces or avoids because of the cheated robber of bank card or lose damnous risk, improves the security of using bank card, make the user to use bank card can be relieved, feel at ease and more confident.
To achieve these goals, the utility model has been announced a kind of safe real-time bank payment system, and its technical scheme that adopts is as follows:
A kind of safe real-time bank payment system is by bank settlement payment transaction system, short message system, transaction and payment terminal, user communication terminal, the payment transaction communication network, the short message communication net, customer transaction and payment information carrier and release, the transaction payment data recording, the dynamic password packets of information, transaction payment password and transaction payment confirmation letter interest statement and user's provisional communication terminal are formed, it is characterized in that transaction and payment terminal link to each other with bank settlement payment transaction system by the payment transaction communication network, short message system is communicated with user communication terminal or user's provisional communication terminal by the short message communication net.
A kind of safe real-time bank payment system described in the utility model is characterized in that payment transaction communication network (5) provides the transaction payment communication path message A of two-way communication, and short message communication net (6) provides the short message communication path B of one-way communication.In every payment transaction, the user is communicated with transaction and two different terminals of payment terminal and user communication terminal by the different communication path messages of different communication networks simultaneously, sends transaction payment data recording and dynamic password packets of information respectively and finishes the synthetic and loopback of transaction payment password and dynamic sign indicating number to bank settlement payment transaction system by transaction and payment terminal.
A kind of safe real-time bank payment system described in the utility model is characterized in that user communication terminal (4) is for putting on record in bank settlement payment transaction system and retaining mobile communication terminal that the user of terminal communication number has by oneself or user by user's provisional communication terminal that can receive short message of concluding the business and payment terminal is put on record to bank settlement payment transaction system temporarily.
A kind of safe real-time bank payment system described in the utility model, it is characterized in that when carrying out the transaction payment operation in real time, its basic procedure is: bank settlement payment transaction system is to being examined by the transaction payment data recording and the relationship trading payment information of the transaction payment communication path message A transmission transmission of payment transaction communication network by the transaction payment terminal, validation of payment people identity information, check and approve Account Profile, confirm to send the transaction payment confirmation letter interest statement that needs the payer to confirm to the transaction payment terminal when errorless, be that a short message communication path B transmission dynamic password packets of information to user short message receiver be user communication terminal or user provisional communication terminal by short message system through second communication path message by the short message communication net simultaneously, at the appointed time, when the payer confirms that Transaction Information in the transaction payment confirmation letter interest statement and the amount of money are errorless, in transaction payment terminal input payment cipher, together with dynamic password accurately input in the lump, be transferred to the being checked payer's payment cipher of bank settlement payment transaction system and dynamic password and relevant information by transaction payment communication path message A, realize the processing of transaction payment.
A kind of safe real-time bank payment system described in the utility model, the feature of described dynamic password packets of information is to be generated and sent to by the short message communication path B of the short message communication net of agreement by short message system transaction payment people's user communication terminal or user's provisional communication terminal when each transaction is paid the bill according to this transaction payment data recording information corresponding dynamic by bank settlement payment transaction system.
User's provisional communication terminal described in the utility model, it is characterized in that having the user communication terminal of reception by the short message ability of the short message communication path B transmission of short message communication net, the user passes through in the transaction payment process in transaction payment terminal input payment cipher, communicating number by stipulated form input holder's ID (identity number) card No. or other identification codes of putting on record and user's provisional communication terminal, and behind bank settlement payment transaction system validation, in this transaction payment process, use effectively.
Dynamic password packets of information described in the utility model is characterized in that having ageing, sends the back in bank settlement payment transaction system and correctly is input to the transaction payment terminal to the stipulated time for effectively, loses efficacy or failure otherwise treat as the input password.
The described dynamic password packets of information of the present utility model is characterized in that having complementarity, and the payment cipher of dynamic password and customer transaction and payment information carrier and release is imported the back transaction payment in the lump by stipulated form simultaneously and come into force; The transaction payment password must be effective by the partial function of agreement when correctly input back transaction payment comes into force use separately in the lump by stipulated form simultaneously with dynamic sign indicating number when transaction payment.
A kind of safe real-time bank payment system by the technique scheme realization, can overcome prior art problems and defective, reduce or avoid because of the cheated robber of bank card or lose damnous risk, improve to use the security of bank card, make the user to use bank card can be relieved, feel at ease and more confident.
In sum, a kind of safe real-time bank payment system of the present utility model compared with prior art has original technical characterictic and significant advantage, and its main usefulness is:
1. need not change the operation system of existing bank, utilize original short message prompt system, it is disposable effectively to send a dynamic password and this dynamic password, and import this dynamic password in input in the lump during bank card password and get final product, use and operate very easy, and existing business system and operational processes flow process need not to change, and is easy to application.
2. owing to need not with short message way loopback two-pass cipher, when input transaction payment password, the dynamic sign indicating number of input gets final product in the lump, even dynamically sign indicating number is stolen, transaction is this time finished, and dynamically sign indicating number uses to have lost efficacy next time becomes invalid code, therefore, bank also need not to invest again short message reception and disposal system and equipment, has not only saved resource, has also improved efficient.
3. the extent of competence of setting, even if user's mobile phone is not at one's side, also can in the operating process of transaction payment, apply for interim cell-phone number immediately, receive the dynamic sign indicating number of the operation system transmission of bank, proceed the operation of transaction payment, do not influence the operation and the execution of transaction payment, make the user that sufficient dirigibility and convenience be arranged.
Description of drawings
Fig. 1 is a kind of organigram of safe real-time bank payment system;
Fig. 2 is the customer transaction delivery operation and the communication path synoptic diagram of present bank;
Fig. 3 is the customer transaction delivery operation and the communication path synoptic diagram of prior art scheme;
Fig. 4 is customer transaction delivery operation of the present invention and communication path synoptic diagram;
Fig. 5 is transaction payment business operation and processing exemplary flow.
Embodiment
As examples of implementation, in conjunction with the accompanying drawings a kind of safe real-time bank payment system of the utility model is described, but, technology of the present utility model and scheme are not limited to the content that present embodiment provides, and all can use the technical solution of the utility model easily for the transaction of adopting release and ticket to carry out.
Fig. 1 has provided a kind of organigram of safe real-time bank payment system, in view of the above as can be known, the real-time bank payment system of safety is by bank settlement payment transaction system (1), short message system (2), transaction and payment terminal (3), user communication terminal (4), payment transaction communication network (5), short message communication net (6), customer transaction and payment information carrier and release (7), transaction payment data recording (8), dynamic password packets of information (9), transaction payment password (10) and transaction payment confirmation letter interest statement (11) and user's provisional communication terminal (12) are formed, transaction and payment terminal (3) link to each other with bank settlement payment transaction system (1) by payment transaction communication network (5), and short message system (2) is communicated with user communication terminal (4) or user's provisional communication terminal (12) by short message communication net (6).
As shown in Figure 2, the customer transaction delivery operation of bank and communication path schematic are understood at present, short message communication net (6) provides the short message communication path B of one-way communication, only send the transaction payment information, the user only checks, the operation of not participating in business and paying is that is: as long as input transaction payment password (10) just can carry out transaction payment.Fig. 4 is customer transaction delivery operation of the present invention and communication path synoptic diagram, the customer transaction delivery operation and the communication path of customer transaction delivery operation and communication path and present bank are duplicate as figure shows, it is the short message difference that bank settlement payment transaction system (1) sends, sent dynamic password packets of information (9), import dynamic sign indicating number after the user checks and get final product when transaction payment terminal (3) goes up and imports transaction payment password (10), all customer transaction delivery operation step and the flow process with present bank is identical with flow process for its operation steps.
As shown in Figure 1 and Figure 4, paying service communication net (5) and short message communication net (6) is to adopt: payment transaction communication network (5) provides the transaction payment communication path message A of two-way communication, short message communication net (6) provides the short message communication path B of one-way communication, in every payment transaction, the user is concluded the business and (4) two different terminals of payment terminal (3) and user communication terminal by the different communication path messages connections of different communication networks simultaneously, sends transaction payment data recording (8) and dynamic password packets of information (9) respectively and finish the synthetic of transaction payment password (10) and dynamic password (9) by transaction and payment terminal (3) to reach loopback to bank settlement payment transaction system (1).
Fig. 3 is the customer transaction delivery operation and the communication path synoptic diagram of prior art scheme, as shown in Figure 3, the prior art scheme adopts the short message exchange method and carries out the technical scheme of two-pass cipher demonstration validation, the short message transmitting system of having only the transaction prompting because of present banking system, so also needing bank to increase short message receives and disposal system, increase the short message communication path B relevant device and the investment of two-way communication, and revise the step and the flow process of transaction payment and checking.
The utility model is in order to provide sufficient dirigibility and convenience to the user, the mode that user communication terminal (4) adopts is, the user can use the communication terminal that can receive short message own and that put on record in bank settlement payment transaction system (1), also can be under abnormal conditions by the user by conclude the business and payment terminal (3) to bank settlement payment transaction system (1) other the user's provisional communication terminal (12) that can receive short message of putting on record temporarily.
For a kind of safe real-time bank payment system described in the utility model, its embodiment is when carrying out the transaction payment operation in real time, the basic procedure that adopts as shown in Figure 5, the payer swipes the card on transaction payment terminal (3) and the transaction payment operation, by bank settlement payment transaction system (1) the transaction payment data recording (8) and the relationship trading payment information that are transmitted by the transaction payment communication path message A transmission of payment transaction communication network (5) by transaction payment terminal (3) are examined, validation of payment people identity information, check and approve Account Profile, confirm to send the transaction payment confirmation letter interest statement (11) that needs the payer to confirm to transaction payment terminal (3) when errorless, be that a short message communication path B transmission dynamic password packets of information (9) to user short message receiver be user communication terminal (4) or user provisional communication terminal (12) by short message system (2) through second communication path message by short message communication net (6) simultaneously, at the appointed time, when the payer confirms that Transaction Information in the transaction payment confirmation letter interest statement (11) and the amount of money are errorless, in transaction payment terminal (3) input payment cipher, together with dynamic password accurately input in the lump, be transferred to the being checked payer's payment cipher of bank settlement payment transaction system (1) and dynamic password and relevant information by transaction payment communication path message A, realize the processing of transaction payment.
According to a kind of safe real-time bank payment system described in the utility model, the embodiment of dynamic password packets of information (9) is to be generated and sent to by the short message communication path B of the short message communication net (6) of agreement by short message system (2) transaction payment people's user communication terminal (4) or user's provisional communication terminal (12) when each transaction is paid the bill according to this transaction payment data recording (8) information corresponding dynamic by bank settlement payment transaction system (1).
For realizing user's provisional communication terminal described in the utility model (12) technical scheme, its embodiment is to adopt to have the user communication terminal of reception by the short message ability of the short message communication path B transmission of short message communication net (6), the user passes through in the transaction payment process in transaction payment terminal (3) input payment cipher, communicating number by stipulated form input holder's ID (identity number) card No. or other identification codes of putting on record and user's provisional communication terminal (12), and after fixing on bank settlement payment transaction system (1) affirmation approximately, in this transaction payment process, use effectively.
In order to make dynamic password packets of information described in the utility model (9) have ageing, its embodiment is, send the back in bank settlement payment transaction system (1) and to the stipulated time, correctly be input to transaction payment terminal (3) for effective, this example is decided to be 1 minute approximately, loses efficacy or failure otherwise treat as the input password.
In order to make dynamic password packets of information described in the utility model (9) have complementarity, its embodiment is, the payment cipher of taking dynamic password and customer transaction and payment information carrier and release (7) simultaneously by stipulated form in the lump correctly input back transaction payment come into force, this example be decided to be approximately dynamic sign indicating number preceding payment cipher after, order input successively; Transaction payment password (10) must correctly be imported the back transaction payment in the lump by stipulated form simultaneously with dynamic sign indicating number and come into force when transaction payment; Effective when using separately by the partial function of agreement, this example is being decided to be approximately: by transaction and payment terminal (3) to bank settlement payment transaction system (1) other the user's provisional communication terminal (12) that can receive short message of putting on record temporarily, separately input transaction payment password (10) add add identification card number for # number and add the communicating number that adds user's provisional communication terminal (12) for # number after, press acknowledgement key.The user carries out the application example of transaction payment:
1. payer swipes the card and carries out the transaction payment operation, that is: use customer transaction and payment information carrier and release (7) to operate by transaction and payment terminal (3);
2. send transaction payment data recording (8) and give bank settlement payment transaction system (1), that is: transaction and payment terminal (3) send to bank settlement payment transaction system (1) by payment transaction communication network (5) with transaction payment data recording (8);
3. check account, that is: bank settlement payment transaction system (1) examines transaction payment data recording (8) and relationship trading payment information, validation of payment people identity information, checks and approves Account Profile, examines errorlessly, continues, and withdraws from otherwise report to the police;
4. sending transaction payment confirmation letter interest statement (11) please the payer confirm, that is: bank settlement payment transaction system (1) sends transaction payment confirmation letter interest statement (11) for transaction and payment terminal (3) by payment transaction communication network (5), also carries out simultaneously;
5. send dynamic sign indicating number and bundle the provisional communication terminal of mobile phone or appointment to the payer, that is: bank settlement payment transaction system (1) sends dynamic password packets of information (9) for payer's the binding mobile phone or the provisional communication terminal of appointment by short message system (2) through short message communication net (6);
6. the payer confirms errorless back input payment cipher and dynamic sign indicating number, that is: the payer examine transaction payment confirmation letter interest statement (11) errorless after, import payment cipher and dynamic sign indicating number simultaneously, send to bank settlement payment transaction system (1) by transaction and payment terminal (3);
7. verify transaction payment password (10) and dynamic password (9), that is: the code data of retaining putting on record in transaction payment password (10) and dynamic password (9) and the system by bank settlement payment transaction system (1) audit of comparing, examine errorlessly, continue, withdraw from otherwise report to the police;
8. finish transaction payment, that is: bank settlement payment transaction system (1) finishes business processing and the notice transaction and the payment terminal (3) of transaction payment;
9. indicate Transaction Success or failure, that is: by transaction and payment terminal (3) according to the notice prompt service result of bank settlement payment transaction system (1).
This shows, a kind of safe real-time bank payment system by the technique scheme realization, can overcome prior art problems and defective, reduce or avoid because of the cheated robber of bank card or lose damnous risk, and use and operate very easyly, make the user have sufficient dirigibility and convenience, bank also need not to invest again short message reception and disposal system and equipment, not only save resource, also improved efficient.In a word, technical scheme described in the utility model improves the security of using bank card, make the user to use bank card can be relieved, feel at ease and more confident, and be easy to application.

Claims (3)

1. the real-time bank payment system of a safety is by bank settlement payment transaction system (1), short message system (2), transaction and payment terminal (3), user communication terminal (4), payment transaction communication network (5), short message communication net (6), customer transaction and payment information carrier and release (7), transaction payment data recording (8), dynamic password packets of information (9), transaction payment password (10) and transaction payment confirmation letter interest statement (11) and user's provisional communication terminal (12) are formed, it is characterized in that transaction and payment terminal (3) link to each other with bank settlement payment transaction system (1) by payment transaction communication network (5), short message system (2) is communicated with user communication terminal (4) or user's provisional communication terminal (12) by short message communication net (6).
2. the described a kind of safe real-time bank payment system of claim 1 is characterized in that payment transaction communication network (5) provides the transaction payment communication path message A of two-way communication, and short message communication net (6) provides the short message communication path B of one-way communication.
3. the described a kind of safe real-time bank payment system of claim 1 is characterized in that user communication terminal (4) is for putting on record in bank settlement payment transaction system (1) and retaining mobile communication terminal that the user of terminal communication number has by oneself or user by user's provisional communication terminal (12) that can receive short message of concluding the business and payment terminal (3) is put on record to bank settlement payment transaction system (1) temporarily.
CN2011200344044U 2011-02-09 2011-02-09 Safe real-time bank payment system CN201974880U (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102819918A (en) * 2012-07-17 2012-12-12 苏州市米想网络信息技术有限公司 Payment system adopting multiple safety certificates
CN102968853A (en) * 2012-11-12 2013-03-13 刘业兴 Monitoring and management system for preventing burglar swiping of bank card

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102819918A (en) * 2012-07-17 2012-12-12 苏州市米想网络信息技术有限公司 Payment system adopting multiple safety certificates
CN102968853A (en) * 2012-11-12 2013-03-13 刘业兴 Monitoring and management system for preventing burglar swiping of bank card

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