WO2001098955A1 - Système de paiement protégé par mot de passe secondaire - Google Patents

Système de paiement protégé par mot de passe secondaire Download PDF

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Publication number
WO2001098955A1
WO2001098955A1 PCT/CN2001/000574 CN0100574W WO0198955A1 WO 2001098955 A1 WO2001098955 A1 WO 2001098955A1 CN 0100574 W CN0100574 W CN 0100574W WO 0198955 A1 WO0198955 A1 WO 0198955A1
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WIPO (PCT)
Prior art keywords
payment
password
payer
payee
bank
Prior art date
Application number
PCT/CN2001/000574
Other languages
English (en)
French (fr)
Inventor
Tong Shao
Original Assignee
Tong Shao
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tong Shao filed Critical Tong Shao
Priority to AU2001268896A priority Critical patent/AU2001268896A1/en
Publication of WO2001098955A1 publication Critical patent/WO2001098955A1/zh

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a cryptographic payment system, and in particular, to a secure payment system using a password for payment, which can ensure that there is a reliable solution after a dispute between two parties in a transaction.
  • a password is required for payment (password payment agreement), or a password is used as a payment certificate (digital signature). Due to the reproducibility of passwords, other people may use the copied passwords to make payments, and the economic benefits of those who use passwords for transactions will be lost, especially in the case of anonymous digital cash.
  • both parties to the transaction are afraid of transaction insecurity. For example, if the buyer pays first, he may not be able to receive the goods, and if the seller sends the goods first, he may not receive the money. For another example, suppose someone eavesdrops on the payment password when the payer pays to the payee. If you send this password to the bank first, the real payee will not be able to receive the payment, because the bank cannot pay twice for the same password. Of course, the correct payee will not pay the goods. This is a problem with existing crypto payment systems.
  • the purpose of the present invention is to propose a cryptographic payment system that guarantees the security of both parties to a transaction. On the one hand, it enables the payee to confirm that the payment can be received after the goods or services are provided, and on the other hand, it prevents the payer from receiving effective services. Or goods can ensure the security of their own funds, In addition, the system can prevent eavesdropping (theft) of password problems during the payment process. Summary of the invention
  • the present invention proposes a method using a secondary password payment to achieve the above-mentioned objective. That is, first the payer sends the first payment password to the payee, and the payee sends the password and his account number to the bank. Alternatively, the payee provides his account number to the payer, and the payer directly sends the first payment password and the payee's account information to the bank. The bank confirms that the password is correct and the payer has real and valid funds, then withholds the payer's funds and guarantees that the funds can only be paid to the payee's account, and at the same time notifies the commitment by a secure method, such as a digital signature Payee.
  • a secure method such as a digital signature Payee.
  • the payee After the payee receives the bank's promise of payment, it provides goods or services to the payer to meet the requirements of the payer. Then the payer sends the second payment password to the bank, or the password is provided to the payee and the payee then sends it to the bank. After the bank confirms that the password is the second payment password for the first payment password, it will The withheld funds are actually paid to the payee's account to complete the transaction securely.
  • the payer will not provide the second payment password. This way the funds cannot really reach the payee account.
  • the payer can recover the funds by declaring that the first payment is invalid (the payer can use the second payment password to indicate to the bank that he owns the withholding funds).
  • the bank can remind the payee that since there is no second payment password, the payment promise will be recovered after a certain period of time. If the payee has an objection, the payer and the payee can resolve their problems through legal channels, and the bank executes the corresponding payment operation according to the decision of the court.
  • the payee reminds the payer to give the second payment password. If there is an objection or the payer refuses to provide the second payment password, it can be through legal channels. solve.
  • the bank executes the corresponding payment operation according to the decision of the court. Because the amount of compensation determined by law is greater than the amount payable by the payer (at least court fees), when there is no dispute, the payer usually provides the second payment password in time. Of course, it can also be used within a certain period of time. Payment, it is deemed that the second payment password has been provided to simplify the payment operation.
  • the payee cannot scam by providing false goods or services, because if this is the case, he will not be able to obtain the second payment password and the payer's payment.
  • the payer cannot scam the goods or services through the first payment password, and then refuse to provide the second payment password to refuse the payment. Because the beneficiary can obtain legal protection by presenting the transaction certificate of the service or the goods, and because the bank promises to pay the funds, the payer can avoid fraud through bankruptcy.
  • a password eavesdropper For a password eavesdropper, if he eavesdrops on the payer's first payment password and associates his account number with the payment password and obtains the bank's payment commitment before the payee, then the real payee After the first payment password is sent to the bank, the bank will obviously not promise to pay. So the payee does not provide goods or services to the payer and can return relevant information to the payer. It is not possible for the payer to provide a second payment password. The payer can use the second payment password to indicate to the bank that he owns the withholding funds, and in the case of anonymous digital cash, he can also indicate the bank's ownership by providing a second payment password. Since the eavesdropper cannot get the second payment password, he cannot get the fraudulent money.
  • a secondary password payment system is proposed to implement the above-mentioned secondary password payment method.
  • the system includes a bank: a customer database for storing fund information of bank customers; a bank communication device for: Receiving payment information from a payer or payee, where the payment information includes a payee account number and a payment password provided by the payer twice; a password verification device for receiving the payment password of the payer received by the bank communication device Carry out verification; withholding funds bank; the first withholding device is used to register the payer's funds and the payee's account in the withholding fund bank when the password verification device confirms that the payer's first payment password is correct In order to complete the withholding of the payer's funds, a digital signature device is used to digitally sign the withheld funds and the account of the payee, and return the digital signature to the receiver via the silver ⁇ 1 communication device.
  • a second payment device configured to: when the password verification device confirms that the payer's second payment password is correct, The funds are actually paid
  • FIG. 1 is a schematic diagram of a secondary payment system of the present invention. Preferred embodiment of the invention
  • a secondary password payment system is composed of three devices: a payer (a bank customer paying with a password), a payee (a bank customer receiving funds), and a bank.
  • a communication device on the payer side and on the payee side is composed of three devices: a payer (a bank customer paying with a password), a payee (a bank customer receiving funds), and a bank.
  • the bank device includes: a communication device 3A, which may be, for example, a telephone or a computer terminal that communicates through a telephone line or a network (such as the Internet), or an Internet interface, which is used to communicate with the payer 1 and / or the receiver.
  • a communication device 3A which may be, for example, a telephone or a computer terminal that communicates through a telephone line or a network (such as the Internet), or an Internet interface, which is used to communicate with the payer 1 and / or the receiver.
  • the payer communication device 2 communicates; the customer database 3B stores the amount of funds of each bank customer; the password verification device 3C is used to verify the payment password of the payer received by the communication device 3A; the withholding fund library 3D For storing withholding funds and corresponding account numbers, and the first withholding device 3E is configured to, when the password verification device 3C verifies that the first payment password received from the communication device 3A is correct, The payee's account number is registered in the withholding fund bank 3D; the digital signature device 3G signs the withheld funds and the payee account number, and returns the signature to the payee through the communication device 3A; the second The secondary payment device 3F is used when the password verification device 3C verifies the second payment password of the payer received from the communication device 3A When indeed, the withholding of money actually paid to the payee's account.
  • the payment can be made either from the payer's account or digital cash in accordance with the anonymous digital cash agreement with the bank.
  • the payer first fills in the electronic bill data, including the activation time, bank code, bank account number, bill number and bill amount, and attaches the payee's bank account number and / or payee communication address and performs digital signature. This signature is then sent to the bank via the payer communication device 1.
  • the bank's password verification device 3C When the bank's password verification device 3C When confirming that the signature is correct and the funds on the payer's account can be paid, the bank's first withholding device 3E deducts the corresponding funds from the payer's account and deposits the funds and the payee's account into the withholding fund bank 3D. At the same time, the bank signs the information of the withholding funds through the digital signature device 3G, and then sends the information to the payee through the communication device 3A.
  • the payee verifies the digital signature of the withholding funds provided by the bank, and if it is confirmed that the digital signature is correct, it provides the payer with the goods or services, and then requests the payer for the second payment password.
  • the second payment password may be, for example, a digital signature of the payer's first payment password.
  • the bank communication device 3A receives the second payment password (it can be delivered directly to the bank through the payer communication device 1, or it can be delivered by the payer to the payee and then to the bank through the payee communication device 2)
  • the bank The third-party password verification device 3C verifies the second payment password.
  • the second payment device 3F actually pays the withheld funds to the payee's account. Otherwise, the payee (or payer) is notified. )
  • the second payment password is illegal, and remind them of actions they may need to take.
  • the payer obtains the digital cash signed by the bank and the corresponding secondary payment password (or the digital digital bank's digital signature again) from the bank according to the anonymous digital cash agreement, indicating that it is related to the digital cash. correspond).
  • the payer first sends the bank's digital cash signature and the payee account number to the bank via the communication device 1.
  • the bank's password verification device 3C confirms that the digital cash signature is correct
  • the first time withholding device 3E deposits the funds and the payee account number into the withholding fund bank 3D, and at the same time the bank signs the withholding funds through the digital signature device 3G.
  • the information is transmitted to the payee via the communication device 3A.
  • the payee verifies the digital signature of the withholding funds provided by the bank, and if the digital signature is confirmed to be correct, the goods or services are provided to the payer, and then the payer is requested for the second payment password.
  • the second payment password may be, for example, a digital signature of digital cash signed by a bank.
  • the bank communication device 3A receives the second payment password (it can be delivered directly to the bank through the payer communication device 1, or it can be delivered by the payer to the payee and then to the bank through the payee communication device 2), the bank Password verification device 3C for the second time
  • the payment password is used for verification.
  • the second payment device 3F actually pays the withheld funds to the payee's account. Otherwise, the payee (or the payer) is notified that the second payment password is illegal. Remind them of actions they may need to take.
  • the payer can use the second payment password to indicate to the bank that he owns the withholding funds.
  • the secondary payment system of the present invention enables the payee to confirm that it will not be cheated while guaranteeing the interests of the payer, improves the security of the payment, and brings convenience to both parties using the password payment system.

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Description

二次密码支付系统 本发明领域
本发明涉及一种密码支付系统， 具体地说， 涉及一种使用密码进 行支付的安全支付系统， 它能保证在交易双方出现纠纷后还有可靠的 解决手段。 背景技术
目前在商业活动中， 特别是在电子商务活动中， 为了交易或者交 易安全需要使用密码进行支付 （密码支付协议）， 或者使用密码作为 支付凭证 （数字签名）。 由于密码的可复制性， 可能产生其他人利用 复制的密码进行支付， 使利用密码进行交易的人的经济利益受到损 失， 特别是在使用匿名数字现金的情况下更是如此。 另外， 在虚拟网 络世界中， 交易双方都害怕交易不安全。 例如， 如果买方先付钱则害 怕收不到货物， 而如果卖方先发货则可能收不到钱， 再如， 假设当付 款人向收款人付款时有人窃听到谇付款密码， 如果窃听者先把这个密 码送达银行， 就会使真正的收款人收不到款， 因为银行不能为同一密 码付两次款， 当然寘正的收款人就不会付货。 这是现有的密码支付系 统存在的问题。
因此密码支付系统的使用人既希望能够方便地使用电子商务进行 交易、 同时又希望交易安全， 或者当变易出现问题或纠纷后能有有效 的解决手段。 本发明目的
本发明的目的是提出一种保证交易双方安全的密码支付系统， 它 一方面能够使收款人确认在提供货物或服务后能收到付款， 另一方面 使付款人在得不到有效的服务或货物时能够保证自己的资金安全， 另 确 认 本 外该系统还可以防止付款过程中的窃听 （盗窃）密码问题。 本发明概述
本发明提出利用二次密码支付的方法来实现上述目的。 即， 首先 付款人把第一次支付密码送达收款人， 收款人把该密码及自己的帐号 送达银行。 或者， 收款人把自己的帐号提供给付款人， 直接由付款人 把第一次支付密码及收款人的帐号信息送达银行。 银行确认该密码正 确且付款人具有真实有效的资金， 则预扣付款人的资金并保证该资金 只能付到收款人的帐号上， 同时把这个承诺用安全的方法、 如数字签 名等通知收款人。 收款人收到银行的付款承诺后， 向付款人提供货物 或服务， 以满足付款人的要求。 然后付款人把第二次支付密码送达银 行， 或者将该密码提供给收款人再由收款人送达银行， 银行确认该密 码为第一次支付密码的第二次支付密码后， 将预扣的资金实际支付到 收款人的帐号上， 安全完成这笔交易。
如果收款人收到第一次支付密码及银行的付款承诺后， 不按付款 人的要求提供货物或服务， 则付款人就不提供第二次支付密码。 这样 资金就不能真正到达收款人帐号。 付款人可以通过声明第一次付款无 效来收回资金 （付款人可以用第二次支付密码向银行表明自己对预扣 资金的所有权）。 银行可以提醒收款人， 由于没有第二次支付密码， 一定时间后将收回付款承诺。 如果收款人有异议， 则付款人与收款人 可以通过法律途径解决他们之间的问题， 银行根据法院的决定执行相 应的付款操作。 如果收款人在一定时间内没有收到第二次支付密码， 收款人提醒付款人给出第二次支付密码， 如有异议或付款人拒不提供 第二次支付密码则可以通过法律途径解决。 银行根据法院的决定执行 相应的付款操作。 由于通过法律裁定的赔偿额比付款人应付的资金数 额大 （至少还有庭审费）， 所以没有纠纷时， 付款人通常会及时提供 第二次支付密码。 当然也可以采用在一定时间内付款人没有声明止 付， 就视为已经提供了第二次支付密码， 以简化支付操作。
显然， 收款人不能通过提供不真实的货物或服务进行诈骗， 因为 如果这样的话他不能得到第二次支付密码， 也就无法得到付款人的付 款。另一方面，付款人也不能先通过第一次支付密码骗取货物或服务， 然后拒绝提供第二次支付密码来拒付资金。 因为收款人通过出示服务 或货物的交易证明可以获得法律的保护， 另外因为有银行承诺支付的 资金， 所以可以避免付款人通过破产来诈骗。 对于密码窃听者来说， 如果他窃听到付款人的第一次支付密码并先于收款人把自己的帐号与 该支付密码联系到一起并取得银行的付款承诺， 而当真正的收款人将 第一次支付密码送达银行后， 银行显然不会承诺支付。 所以收款人不 提供货物或服务给付款人， 并可以将有关信息返回给付款人。 这时付 款人不可能提供第二次支付密码。 付款人可以用第二次支付密码向银 行表明自己对预扣资金的所有权， 而且在采用匿名数字现金的情况下 他也可以通过提供第二次支付密码向银行表明自己的所有权。 由于窃 听者得不到第二次支付密码， 所以他不能得到诈骗款。
根据本发明的技术方案， 提出一种二次密码支付系统来实现上述 的二次密码支付方法， 该系统包括银行方面的： 客户数据库， 用于存 储银行客户的资金信息； 银行通信装置， 用于从付款人或收款人处接 收付款信息， 所述付款信息包括收款人帐号和由付款人先后两次提供 的支付密码； 密码验证装置， 用于对银行通信装置接收的付款人的支 付密码进行验证； 预扣资金库； 第一次预扣装置， 用于当密码验证装 置确认付款人的第一次支付密码正确时， 将付款人的资金和收款人的 帐号登记在预扣资金库中从而完成对付款人的资金的预扣； 数字签名 装置， 用于对所述的预扣资金和收款人的帐号进行数字签名， 并将该 数字签名通过银^1通信装置返回给收款人； 第二次支付装置， 用于当 密码验证装置确认付款人的第二次支付密码正确时， 将所述预扣的资 金实际支付到收款人的帐号上。 附图的简要说明
图 1为本发明的二次支付系统示意图。 本发明的优选实施例
如图 1所示， 根据本发明优选实施例的二次密码支付系统， 由付 款人 （以密码进行支付的银行客户）、 收款人（接收资金的银行客户） 和银行三方面的装置构成。 付款人和收款人方面分别有一个通信装置
1、 2 , 例如可以是通过电话线或网络 （如因特网）与银行进行通信的 电话或计算机终端。 银行方面的装置包括： 通信装置 3A， 例如可以 是通过电话线或网络（如因特网）进行通信的电话或计算机终端， 还 可以是因特网接口， 该装置用于与付款人通信装置 1和 /或收款人通 信装置 2进行通信； 客户数据库 3B， 其中存储了每个银行客户的资 金数额； 密码验证装置 3C， 用于对通信装置 3A接收到的付款人的支 付密码进行验证； 预扣资金库 3D， 用于存储预扣的资金及相应的帐 号， 第一次预扣装置 3E， 用于当密码验证装置 3C验证从通信装置 3A 接收到的第一次支付密码正确时， 将付款人的资金及收款人的帐号登 记到预扣资金库 3D中； 数字签名装置 3G， 对所述预扣的资金及收款 人帐号进行签名， 并把该签名通过通信装置 3A返回给收款人； 第二 次支付装置 3F， 用于当密码验证装置 3C验证从通信装置 3A接收到 的付款人的第二次支付密码正确时， 将预扣的资金实际支付到收款人 的帐号上。
当付款人使用本发明的二次密码支付系统时， 既可以从付款人的 帐号上进行支付， 也可以根据与银行的匿名数字现金协议采用数字现 金进行支付。 在前者的情况下， 付款人首先填写电子票据数据， 包括 启用时间、 银行代码、 银行帐号、 票据号码和票据金额， 同时附上收 款人的银行帐号和 （或） 收款人通信地址并进行数字签名。 然后， 通 过付款人通信装置 1 将该签名送到银行。 当银行的密码验证装置 3C 确认该签名正确并且付款人帐号上的资金能够兑付时， 银行的第一次 预扣装置 3E则从付款人帐号上扣除相应资金， 并把该资金及收款人 帐号存入预扣资金库 3D， 同时银行通过数字签名装置 3G签名该预扣 资金的信息， 然后通过通信装置 3A送达收款人。
收款人对银行提供的关于预扣资金的数字签名进行验证， 如果确 认该数字签名正确则向付款人提供货物或服务， 然后向付款人请求第 二次支付密码。 该第二次支付密码例如可以是付款人的第一次支付密 码的付款人数字签名。当银行通信装置 3A收到第二次支付密码后（可 以通过付款人通信装置 1直接送达银行， 也可以由付款人送达收款人 然后通过收款人通信装置 2送达银行）， 银行的密码验证装置 3C对第 二次支付密码进行验证， 该密码正确时则由第二次支付装置 3F将预 扣的资金实际支付到收款人的帐号上， 否则通知收款人 （或付款人） 第二次支付密码不合法， 并提醒他们可能需要采取的行动。
在采用匿名数字现金进行支付的情况下， 付款人根据匿名数字现 金协议从银行取得银行签名的数字现金及相应的二次支付密码 （或者 是数字现金的银行再数字签名， 表示与该数字现金相对应）。 付款人 首先把银行数字现金签名及收款人帐号通过通信装置 1送达银行。 银 行的密码验证装置 3C确认该数字现金签名正确后， 第一次预扣装置 3E把该资金及收款人帐号存入预扣资金库 3D， 同时银行通过数字签 名装置 3G签名该预扣资金的信息， 并把该数字签名通过通信装置 3A 送达收款人。
收款人对银行提供的关于预扣资金的数字签名进行验证， 如果确 认该数字签名正确则向付款人提供货物或服务， 然后向付款人请求第 二次支付密码。 该第二次支付密码例如可以是由银行签名的数字现金 的数字签名。 当银行通信装置 3A收到第二次支付密码后 （可以通过 付款人通信装置 1直接送达银行， 也可以由付款人送达收款人然后通 过收款人通信装置 2送达银行)， 银行的密码验证装置 3C对第二次支 付密码进行验证， 该密码正确时则由第二次支付装置 3F将预扣的资 金实际支付到收款人的帐号上， 否则通知收款人（或付款人）第二次 支付密码不合法， 并提醒他们可能需要采取的行动。 付款人可以用第 二次支付密码向银行表明自己对预扣资金的所有权。
本发明的二次支付系统在保证付款人利益的同时， 使收款人能够 确认不会受到诈骗， 提高了支付的安全性， 给使用密码支付系统的双 方都带来了方便。

Claims

权利要求书
1、 一种二次密码支付系统， 包括银行方面的：
客户数据库， 用于存储银行客户的资金信息；
银行通信装置， 用于从付款人或收款人处接收付款信息， 所述付 款信息包括收款人帐号和由付款人先后两次提供的支付密码。
密码验证装置， 用于对银行通信装置接收的付款人支付密码进行 验证：
预扣资金库；
第一次预扣装置， 用于当密码验证装置 ¾认付款人的第一次支付 密码正确时， 将付款人的资金和收款人的帐号登记在预扣资金库中从 而完成对付款人的资金的预扣；
数字签名装置， 用于对所述的预扣资金和收款人的帐号进行数字 签名， 并将该数字签名通过银行通信装置返回给收款人；
第二次支付装置， 用于当密码验证装置确认付款人的第二次支付 密码正确时， 将所述预扣的资金实际支付到收款人的帐号上。
2、 根据权利要求 1 的二次密码支付系统， 其中还包括收款人通 信装置， 收款人通过该通信装置向银行通信装置提供所述付款信息。
3、 根据权利要求 1 的二次密码支付系统， 其中还包括付款人通 信装置， 付款人通过该通信装置向银行通信装置提供所述付款信息。
4、 根据权利要求 1至 3中任一项的二次密码支付系统， 其中所 述银行通信装置接收的付款信息还包括付款人帐号， 所述第一次预扣 装置从付款人帐号上预扣资金。
5、 根据权利要求 1至 3中任一项的二次密码支付系统， 其中所 述付款人的第一次支付密码为由银行签名的数字现金， 所述第一次预 扣装置直接预扣该数字现金。
6、 根据权利要求 1至 3中任一项的二次密码支付系统， 其中所 述付款人的第二次支付密码为付款人的第一次支付密码的付款人数字 签名。
7、 根据权利要求 5 的二次密码支付系统， 其中所述付款人的第 二次支付密码为由银行签名的数字现金的数字签名。
PCT/CN2001/000574 2000-04-21 2001-04-23 Système de paiement protégé par mot de passe secondaire WO2001098955A1 (fr)

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CN100429882C (zh) * 2004-10-30 2008-10-29 腾讯科技（深圳）有限公司 基于即时通讯平台的功能服务保护系统及方法
US20100017413A1 (en) * 2008-07-17 2010-01-21 Ian Edward James Systems and methods for transferring value
CN107038580B (zh) * 2016-11-16 2020-10-30 辽宁科技大学 一种银行交易系统
CN109636403A (zh) * 2018-12-18 2019-04-16 郭长来 一种让资金转账支付更安全的方法

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