WO2001098955A1 - Système de paiement protégé par mot de passe secondaire - Google Patents
Système de paiement protégé par mot de passe secondaire Download PDFInfo
- 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
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment
- password
- payer
- payee
- bank
- Prior art date
Links
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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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
Claims
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2001268896A AU2001268896A1 (en) | 2000-04-21 | 2001-04-23 | Payment system protected with a secondary password |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN 00106215 CN1320878A (zh) | 2000-04-21 | 2000-04-21 | 二次密码支付系统 |
CN00106215.8 | 2000-04-21 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2001098955A1 true WO2001098955A1 (fr) | 2001-12-27 |
Family
ID=4578209
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/CN2001/000574 WO2001098955A1 (fr) | 2000-04-21 | 2001-04-23 | Système de paiement protégé par mot de passe secondaire |
Country Status (3)
Country | Link |
---|---|
CN (1) | CN1320878A (zh) |
AU (1) | AU2001268896A1 (zh) |
WO (1) | WO2001098955A1 (zh) |
Families Citing this family (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP4274770B2 (ja) * | 2002-10-01 | 2009-06-10 | 株式会社エヌ・ティ・ティ・ドコモ | 認証決済方法、サービス提供装置及び認証決済システム |
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 |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5884288A (en) * | 1996-07-01 | 1999-03-16 | Sun Microsystems, Inc. | Method and system for electronic bill payment |
US5991738A (en) * | 1996-02-05 | 1999-11-23 | Ogram; Mark E. | Automated credit card processing |
-
2000
- 2000-04-21 CN CN 00106215 patent/CN1320878A/zh active Pending
-
2001
- 2001-04-23 AU AU2001268896A patent/AU2001268896A1/en not_active Abandoned
- 2001-04-23 WO PCT/CN2001/000574 patent/WO2001098955A1/zh active Application Filing
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5991738A (en) * | 1996-02-05 | 1999-11-23 | Ogram; Mark E. | Automated credit card processing |
US5884288A (en) * | 1996-07-01 | 1999-03-16 | Sun Microsystems, Inc. | Method and system for electronic bill payment |
Also Published As
Publication number | Publication date |
---|---|
CN1320878A (zh) | 2001-11-07 |
AU2001268896A1 (en) | 2002-01-02 |
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