RU2007120466A - Электронная система для предоставления банковских услуг - Google Patents

Электронная система для предоставления банковских услуг Download PDF

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RU2007120466A
RU2007120466A RU2007120466/09A RU2007120466A RU2007120466A RU 2007120466 A RU2007120466 A RU 2007120466A RU 2007120466/09 A RU2007120466/09 A RU 2007120466/09A RU 2007120466 A RU2007120466 A RU 2007120466A RU 2007120466 A RU2007120466 A RU 2007120466A
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mobile telephone
banking
user
interface
telephone device
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Стивен Пол АТКИНСОН (GB)
Стивен Пол АТКИНСОН
Аластэр Дэвид ЛУКИС (GB)
Аластэр Дэвид ЛУКИС
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Монитайс Лимитед (GB)
Монитайс Лимитед
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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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • 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]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H04M3/387—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using subscriber identification cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/10—Aspects of automatic or semi-automatic exchanges related to the purpose or context of the telephonic communication
    • H04M2203/105—Financial transactions and auctions, e.g. bidding
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/60—Aspects of automatic or semi-automatic exchanges related to security aspects in telephonic communication systems
    • H04M2203/609—Secret communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H04M3/382—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using authorisation codes or passwords

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Software Systems (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Claims (21)

1. Электронная система для предоставления банковских услуг, содержащая сервер, имеющий
первый интерфейс для связи с мобильными телефонными устройствами пользователей через сеть мобильной телефонной связи; и
второй интерфейс для связи с посредником, выполняющим функции шлюза к банковским записям множества банковских организаций,
где первый интерфейс содержит:
приемные средства для приема по меньшей мере запроса о балансе от мобильного телефонного устройства пользователя; и
передающие средства для предоставления ответа на запрос о балансе мобильному телефонному устройству пользователя для отображения на этом устройстве,
а второй интерфейс содержит:
передающие средства для передачи принятого запроса о балансе указанному посреднику для последующей передачи этого запроса посредником в одну из множества банковских организаций; и
приемные средства для приема ответа на запрос о балансе от посредника,
при этом первый интерфейс включает систему безопасности, основанную по меньшей мере на зашифрованном персональном идентификационном номере и идентификации мобильного телефонного устройства,
и первый интерфейс поддерживает связь между клиентским компонентом программного обеспечения, находящимся в мобильном телефонном устройстве пользователя, и сервером, и выполняет протокол безопасной связи в дополнение к уровню безопасности сети мобильной связи.
2. Система по п.1, в которой первый интерфейс также адаптирован для предоставления возможности подачи с мобильных телефонных устройств пользователей запросов на перевод денежных средств между равноправными пользователями и между пользователями и организациями.
3. Система по п.1 или 2, в которой первый интерфейс предназначен для связи с мобильными телефонными устройствами, снабженными SIM-картами, и с мобильными телефонными устройствами с поддержкой Java.
4. Система по п.1 или 2, в которой первый интерфейс включает шифрование блока PIN по алгоритму 3DES.
5. Система по п.1 или 2, в которой первый интерфейс включает систему шифрования для обеспечения безопасности на транспортном уровне, пригодную для мобильной связи.
6. Система по п.1 или 2, также включающая базу данных для хранения номеров MSISDN и зарегистрированных паролей для зарегистрированных пользователей системы.
7. Система по п.1 или 2, которая выполняет процесс проверки для обеспечения безопасности путем проверки идентификатора мобильного телефонного устройства пользователя, пароля, заданного системой, и идентификатора банковского счета, заданного одной из множества банковских организаций.
8. Система по п.7, которая также выполнена с возможностью проверки персонального идентификационного номера банковского счета, согласованного с одной из множества банковских организаций.
9. Система по п.1 или 2, в которой указанное множество банковских организаций вместе обслуживают банковские счета по меньшей мере половины пользователей, имеющих банковские счета на территории сети мобильной телефонной связи.
10. Система по п.1 или 2, в которой посредник включает хост-узел сети банкоматов.
11. Мобильная телефонная банковская сеть, содержащая
систему по любому из предшествующих пунктов;
посредника, выполняющего функции шлюза к банковским записям множества банковских организаций; и
множество мобильных телефонных устройств пользователей.
12. Сеть по п.11, в которой каждое мобильное телефонное устройство содержит клиентский компонент программного обеспечения, находящийся в SIM-карте мобильного телефонного устройства или в телефонной трубке мобильного телефонного устройства с поддержкой JAVA.
13. Сеть по п.11 или 12, в которой мобильные телефонные устройства пользователей используются для подачи посреднику запросов на выполнение транзакций, включающих
пополнение счета мобильного телефона;
запрос о балансе;
перевод денежных средств со счета на счет;
подтверждение незавершенных транзакций; или
создание паролей, действие которых ограничено по времени.
14. Способ предоставления банковской услуги, включающий
прием запроса на банковскую услугу от пользователя, оперирующего мобильным телефонным устройством путем выбора опций, выведенных на экран, при этом запрос принимают с зашифрованным персональным идентификационным номером и идентификатором мобильного телефонного устройства, а связь осуществляется между клиентским компонентом программного обеспечения, находящимся в мобильном телефонном устройстве пользователя, и сервером, поддерживающим указанную банковскую услугу, которые выполняют протокол безопасной связи в дополнение к уровню безопасности сети мобильной связи;
обработку запроса и связь с посредником, выполняющим функции шлюза к банковским записям множества банковских организаций, включая банковскую организацию пользователя; и
предоставление ответа на запрос через сеть мобильной телефонной связи для отображения на мобильном телефонном устройстве пользователя.
15. Способ по п.14, также включающий выполнение процедуры регистрации, перед тем как разрешить пользователю доступ к банковской услуге.
16. Способ по п.15, в котором процедура регистрации учитывает идентификатор мобильного телефонного устройства, пароль, предоставленный пользователю, и адрес пользователя.
17. Способ по любому из пп.14-16, в котором для связи с пользователем используют шифрование блока PIN по алгоритму 3DES.
18. Способ по любому из пп.14-16, в котором для связи с пользователем используют систему шифрования LTS.
19. Способ по любому из пп.14-16, в котором банковская услуга включает запрос о балансе счета.
20. Способ по любому из пп.14-16, в котором банковская услуга включает пополнение счета мобильного телефона.
21. Электронная система для предоставления банковских услуг, содержащая сервер, имеющий
первый интерфейс для связи с мобильными телефонными устройствами пользователей по сети мобильной телефонной связи; и
второй интерфейс для связи с посредником, выполняющим функции шлюза к банковским записям множества банковских организаций,
при этом первый интерфейс позволяет по меньшей мере подавать запросы о состоянии баланса в одну из множества банковских организаций через посредника и предоставлять про меньшей мере ответы на запросы о состоянии баланса для отображения на мобильных телефонных устройствах пользователей,
первый интерфейс включает систему безопасности, основанную по меньшей мере на зашифрованном персональном идентификационном номере и идентификации мобильного телефонного устройства,
и первый интерфейс поддерживает связь между клиентским компонентом программного обеспечения, находящимся в мобильном телефонном устройстве пользователя, и сервером, и выполняет протокол безопасной связи в дополнение к уровню безопасности сети мобильной связи.
RU2007120466/09A 2004-11-29 2005-11-29 Электронная система для предоставления банковских услуг RU2401455C2 (ru)

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GB0426076.6 2004-11-29
GB0426076A GB2410113A (en) 2004-11-29 2004-11-29 A system and method of accessing banking services via a mobile telephone

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RU2401455C2 RU2401455C2 (ru) 2010-10-10

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US (1) US8494934B2 (ru)
EP (1) EP1817730A1 (ru)
CN (2) CN104112196A (ru)
AU (1) AU2005308630B2 (ru)
BR (1) BRPI0516654A (ru)
CA (1) CA2589317C (ru)
GB (2) GB2410113A (ru)
HK (1) HK1200569A1 (ru)
MX (1) MX2007006277A (ru)
RU (1) RU2401455C2 (ru)
WO (1) WO2006056802A1 (ru)
ZA (1) ZA200509657B (ru)

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RU2759080C1 (ru) * 2021-04-02 2021-11-09 Артем Анатольевич Задорожный Способ защиты проведения операций через банковские терминалы

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MX2007006277A (es) 2007-12-11
ZA200509657B (en) 2006-09-27
AU2005308630B2 (en) 2011-05-19
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GB2410113A (en) 2005-07-20
CA2589317A1 (en) 2006-06-01
EP1817730A1 (en) 2007-08-15
GB2410113A8 (en) 2006-07-11
GB2424113B (en) 2009-02-18
CA2589317C (en) 2019-06-11
US8494934B2 (en) 2013-07-23
BRPI0516654A (pt) 2008-09-16
CN101124593A (zh) 2008-02-13
WO2006056802A1 (en) 2006-06-01
HK1200569A1 (en) 2015-08-07
RU2401455C2 (ru) 2010-10-10
AU2005308630A1 (en) 2006-06-01
US20060136334A1 (en) 2006-06-22
GB0426076D0 (en) 2004-12-29
CN104112196A (zh) 2014-10-22

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