WO2005083600A1 - Systeme de transactions bancaires mobile - Google Patents

Systeme de transactions bancaires mobile Download PDF

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Publication number
WO2005083600A1
WO2005083600A1 PCT/CN2005/000200 CN2005000200W WO2005083600A1 WO 2005083600 A1 WO2005083600 A1 WO 2005083600A1 CN 2005000200 W CN2005000200 W CN 2005000200W WO 2005083600 A1 WO2005083600 A1 WO 2005083600A1
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WO
WIPO (PCT)
Prior art keywords
wireless communication
communication terminal
short message
user
mobile
Prior art date
Application number
PCT/CN2005/000200
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English (en)
Chinese (zh)
Inventor
Hualong Huang
Original Assignee
Hualong Huang
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 Hualong Huang filed Critical Hualong Huang
Publication of WO2005083600A1 publication Critical patent/WO2005083600A1/fr

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Classifications

    • 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 new mobile banking system that handles various banking services for users through Internet and wireless communication network services, and provides security protection for user accounts through wireless communication network short message services, and uses the same to perform 4 banking operations. Method of trading.
  • wireless communication terminal equipment wireless communication mobile phones, wireless Internet access equipment, etc.
  • wireless communication terminal users reaching 300 million and Internet users reaching 94 million; with the advent of wireless communication technologies GPRS and 3G, the interconnection and integration of wireless communication networks and the Internet have theoretically become a reality, making Wireless communication users can access the Internet more quickly.
  • GPRS communication terminals and CDMA communication terminals have the function of wireless Internet access.
  • the existing online banking has shown strong vitality, but there are still significant security risks.
  • the existing online banking transaction security guarantees are mainly SSL encryption protocols, firewalls, login passwords and account numbers, and there is security in login passwords and account theft. Hidden danger.
  • the present invention provides a new banking system, which not only enables the bank user to log in anytime, anywhere Go to your own bank account for various services and provide a more secure protection system for user accounts.
  • a mobile banking system is provided.
  • a user of a wireless communication terminal can log in to the mobile banking system using the wireless communication terminal communication number as a bank account through the wireless communication terminal or through the Internet or a wireless communication network.
  • the mobile banking system includes: A user account management device, configured to manage accounts of wireless communication terminal users;
  • 4 business service processing device used for wireless communication terminal users to handle various banking services that the existing 4M ⁇ system can handle
  • a database device that stores user information and various banking records of the mobile banking system
  • a control and management device for centrally controlling and managing various operations of the entire mobile banking system, and having a monitoring function for various operations;
  • the mobile banking system further includes a short message and a short message management device for monitoring various business operations of a mobile communication terminal user's mobile bank account and automatically generating corresponding operation request confirmation short messages or operation result confirmation short messages.
  • the communication network sends the generated short message to the wireless communication terminal user and the bound user for confirmation, and if a valid positive confirmation confirmation is received from the wireless communication terminal user and the bound user (if a short message is sent to the bound user), the process is completed.
  • Various operations requested by the user of the wireless communication terminal, or the operations are canceled otherwise, wherein the mobile bank account of the user of the wireless communication terminal is the communication number of the wireless communication terminal.
  • a wireless communication terminal user logs in to the mobile banking system through a mobile banking account using a wireless communication network or the Internet ;
  • the wireless communication terminal user requests the mobile banking system to handle various banking services;
  • the mobile banking system automatically generates an operation request confirmation short message in response to the user's request, and sends the generated operation request confirmation short message to the wireless communication terminal user through a wireless communication network Confirm with the bound user (if a short message is sent to bind the user);
  • the mobile banking system responds to the user's request for confirmation of the validity of the short message and confirms that the user handles the requested banking business, otherwise the business operation is cancelled;
  • mobile banking The system automatically generates the operation result for the result of the operation performed on the bank account of the wireless communication terminal user, recognizes the short message, and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user through the wireless communication network (if set SMS Send a bound user) for
  • a short message and short message management device is also provided, which is used to automatically generate an operation request confirmation short message in response to an operation request requested by a wireless communication terminal user to its network account and to provide a network for the wireless communication terminal user All operations performed on the account automatically generate operation record short messages, and send the generated short messages to the wireless communication terminal user and the bound user (if the short message is sent to the township user) for confirmation through the wireless communication network, if wireless communication is received If the end user has a valid positive confirmation, then the various operations requested by the wireless communication terminal user are completed, otherwise the operations are cancelled.
  • the present invention due to the movable, ready-to-access characteristics of wireless communication technology and the widely distributed characteristics of the Internet, it also determines the wireless communication terminal user, which can access the wireless communication terminal communication number as the communication number of the wireless communication terminal through the wireless communication network or the Internet.
  • a bank account with a bank account which performs various banking operations without being restricted by time and place.
  • This kind of banking business handling method solves the current time and location restrictions of existing bank users when conducting business; various operations of bank accounts are automatically recorded and operation request text messages are notified to wireless communication terminal users and binding
  • the method of confirming and confirming by the user is used as the bank account security guarantee system, so that the bank account is monitored by the bank user and the bound user (if the bound user is set), which solves the existing bank or
  • FIG. 1H is a structural block diagram of a mobile system according to the present invention.
  • FIG. 2 is a flowchart of a banking operation using the mobile banking system of the present invention.
  • a wireless communication terminal (1) (a wireless communication mobile phone, a wireless Internet access device, etc.) provides a user of the wireless communication terminal with a function of sending and receiving text messages, surfing the Internet, and logging in to a mobile bank through a wireless communication network; the Internet (2), wireless End users can log in to access the mobile banking system through the internet (2); wireless communication network (3) provides short message sending and receiving services, mobile banking access and other services for wireless communication terminals; user account management devices (4) are used to provide users with Account management, responsible for new user registration, old user login or logout, and other services;
  • the management and control device (5) is the core device of the mobile banking system, which centrally controls and manages all the devices of the mobile bank and the coordination and cooperation between each device.
  • the management device (11) is a security function device of the mobile bank, and monitors all operations of various services of the mobile bank together with the management and control device, and automatically generates operation requests in response to various banking operations required by the user of the wireless communication terminal. Confirm the short message and automatically generate the operation result confirmation short message for the result of the operation performed on the bank account of the wireless communication terminal user, and send the generated short message to the wireless communication terminal user and the bound user through the wireless communication network (if the short message is set Send the bound user) for confirmation.
  • wireless communication terminal users mentioned in this application are intended to include all users who can use wireless communication terminals for online operations. They are not limited to individuals, but also include corporate users, corporate users, etc. (as long as they can pass the corresponding wireless communication terminal Just do it online.)
  • the short message and short message management device may not only generate an operation request confirmation short message and generate an operation result confirmation short message for an operation result in response to an operation request of a wireless communication terminal user, but also monitor all operations performed on the wireless communication terminal user account.
  • An operation record short message is automatically generated for each operation, and the generated short message is sent to a wireless communication terminal user and a bound user (if a short message sending bound user is set) for confirmation via a wireless communication network according to a user's request.
  • the short message and short message management device in the present invention can also be applied to other network account management operations other than the present invention.
  • the network account includes, but is not limited to, an Internet account (such as an online bank account, a QQ number), a local area network account, and the like. Any account with network operation functions that can be conceived by those skilled in the art should be included in the scope of the network account of the present invention.
  • the short message and short message management device can respond to operations of a wireless communication terminal user on his network account.
  • FIG. 2 shows a method for performing bank transactions using the mobile banking system according to claim 1, wherein a wireless communication terminal user logs in to the mobile banking system through a wireless communication network or the Internet; the wireless communication terminal user requests the mobile banking system to handle each A banking service; the mobile banking system automatically generates an operation request confirmation short message in response to a user request, and sends the generated operation request confirmation short message to a wireless communication terminal user and a bound user (if a short message is sent to bind the user) ) To confirm; the mobile banking system responds to the user's confirmation of the validity of the operation request and the positive confirmation is that the user handles the requested banking business, otherwise the business operation is cancelled; the mobile banking system uses it as the banking operation performed by the user The result automatically generates an operation result confirmation short message and sends the generated operation result confirmation short message to the wireless communication terminal user and the bound user (if a short message sending bound user is set) for confirmation through a wireless communication network; The system responds to the user confirming the validity of the operation result and confirming the validity of the short
  • Account registration / deregistration Existing wireless communication terminal users who have opened communication services can use the wireless communication terminal (1) to log in to the mobile system through the wireless communication network (3) or the Internet (2), and through the user account management device ( 4) Register / deregister a mobile bank account with its own wireless terminal communication number as an account; or register / deregister a mobile bank account with its own communication number as an account through the local access device (17).
  • the local access device (17) referred to here implements such a function, that is, the wireless terminal user can use the local access device in the mobile banking system to handle all the banking services that it can handle through the ordinary banking system. It can be, for example, a business hall or an agency of a mobile banking system, whereby a wireless communication terminal user can perform various banking services through the business hall or the agency as it can handle in other banks.
  • the management and control device (5) will generate the registration / deregistration request information via SMS and the short message management device (11).
  • a short message is sent to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) through the wireless communication network (3) for confirmation.
  • the management and control device (5) If the management and control device (5) receives a valid positive confirmation from the corresponding wireless communication terminal (1), it stores or deletes the user registration / deregistration information to the database device (18), and automatically generates the results of the operations performed The operation result confirms the short message and the management and control device (5) sends the generated operation result confirmation short message to the wireless communication terminal (1) and the bound wireless communication terminal (if the short message is sent to the binding) through the wireless communication network (3).
  • Wireless communication terminal to confirm, if the management and control device (5) receives a valid positive confirmation from the wireless communication terminal (1) and the bound wireless communication terminal, it opens or closes the corresponding mobile bank account for the registered / deregistered user If the management and control device (5) does not receive a valid confirmation confirmation or a negative confirmation confirmation short message of the corresponding wireless communication terminal 1 and the bound wireless communication terminal (if a short message is sent to the bound wireless communication terminal), the user account is registered / The logout operation will be cancelled and the update will be resumed from the database appliance (19) .
  • the wireless communication terminal user may also perform the account registration / deregistration service through the local access device (17).
  • each operation in the user account registration / deregistration process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored together to the corresponding To the SMS storage device to ensure account security and future user queries.
  • the generated operation record short message may also be sent to the wireless communication terminal user for confirmation according to the request of the wireless communication terminal user.
  • the user of the wireless communication terminal can use the wireless communication terminal (1) to log in to the mobile mobile phone system through the wireless communication network (3) or the Internet (2), and through the maintenance device of the mobile phone service processing device (6) ( 8) Perform account maintenance, including user name, login password, communication address, contact information, binding user settings, personality settings, etc. to modify information data.
  • the account maintenance and modification request information is automatically recorded by the management and control device (5) through the short message and the short message management device (11), and an operation request short message is generated, and then the management and control device (5) passes the operation request short message through the wireless communication network (3) Send to the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if the short message is set to be sent to the bound wireless communication terminal) for confirmation.
  • the management and control device (5) receives a valid positive confirmation of the corresponding wireless communication terminal (1) and the bound wireless communication terminal (if a short message is set to be sent to the bound wireless communication terminal), it updates the database device (18). Account information and data, the results are updated
  • the short message and short message management system (11) automatically generate a database update record short message and is sent by the management and control device (5) to the wireless communication terminal (1) through the wireless communication network (3) and the bound wireless communication terminal (if the short message is set to The wireless communication terminal is bound to perform confirmation. If the verification is valid, the database update and maintenance are successful. Otherwise, the operation is cancelled and the update is restored from the backup database device (19).
  • the wireless communication terminal user (1) may also maintain and modify the service through the local access device (17) to manage the account.
  • each operation in the user account maintenance process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together Storage device to ensure account security and future user queries.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • the wireless communication terminal user can use the wireless communication terminal (1) to log in to the mobile banking system through the wireless communication network (3) or the Internet (2), and carry out the information query device (9) of the bank transaction processing device (6). Check mobile account information, transaction records and other information.
  • the user of the wireless communication terminal may also handle the information query service through the local access device (17).
  • Intra-bank transactions For security purposes, mobile banking requires that both parties to the transaction should initiate the transaction request by the transferee, and the transferor should first use the wireless communication terminal (1) through the wireless communication network (3) or through the Internet (2) Log in to the mobile banking system, perform the account transfer operation through the transaction device (7) of the bank business processing device (6), fill in the requested transaction content and confirm that it is correct, and then the management and control device (5) queries the database device (18) Corresponding transfer-in and transfer-out account related information (account balance, etc.), and the query results and requested transaction content are automatically generated by the SMS and SMS management device (11) and sent to the corresponding accounts respectively via the wireless communication network (3).
  • the wireless communication terminal (1) and the bound wireless communication terminal if sending a short message to the bound wireless communication terminal) for confirmation.
  • the management and The control device (5) will update the relevant information of the transfer-in and transfer-in account corresponding to the database device (18), and at the same time, the short message and short message management system (11) will automatically generate database update records and send short messages to the corresponding transfer and transfer account respectively.
  • Wireless communication The terminal (1) and the bound wireless communication terminal are confirmed and confirmed, if the verification is valid, the operation is updated successfully, otherwise the operation is cancelled or returned to the upper layer operation and the update is restored from the backup database (19) .
  • the wireless communication terminal user (1) may also perform in-bank transaction services through the local access device (17).
  • each operation in the bank's internal transaction process is automatically recorded by the short message and the short message management device (11) and an operation record short message is generated, and the operation record short message and the confirmation confirmation message that must be responded are stored in the corresponding short message together
  • the generated operation record short message can be sent to the wireless communication terminal user for confirmation.
  • Cross-bank transactions According to the agreement signed with external banks, all transactions that are transferred out of the bank's account to external contracted bank accounts are set up by the external bank as a special wireless communication terminal user of the bank (Specially set up a special wireless communication terminal user account for the external contracted bank)
  • the agent accepts the transfer transaction business, and the transaction method is the same as the internal transaction of the 4 bank.
  • the wireless communication terminal user may also handle the inter-bank transaction (transfer out) service through the local access device (17).
  • each step in the inter-bank transaction (fund transfer) process will be automatically recorded by the short message and the short message management system (11) and an operation record short message will be generated, and the operation record short message and the confirmation confirmation message that must be responded together Stored in the corresponding short message storage device, in order to ensure the security of the account and future user inquiry.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • Interbank transactions can be conducted in other ways under the signed agreement.
  • Cross-bank transactions According to an agreement signed with an external bank, all transactions that are transferred out of the bank's account via an external contracted bank account will be an account set up by the bank as a special user of the bank (specially for The Bank has set up a special user account.)
  • the agent accepts transfer transactions.
  • external bank account funds need to be transferred to the bank ’s wireless communication terminal user bank account, it must be transferred to the bank through an external contracted bank access device (20).
  • the special account set up by the bank is then transferred to the designated user account separately by the bank. Thereafter, the transaction process is the same as the internal transaction of the bank.
  • each step in the inter-bank transaction (fund transfer) process will be texted and
  • the short message management device (11) automatically records and generates an operation record short message, and stores the operation record short message and the authentic confirmation message that must be responded to the corresponding short message storage device, so as to ensure account security and future user inquiry.
  • the generated operation record short message can also be sent to the wireless communication terminal user for confirmation.
  • the inter-bank transaction (transfer) service can be performed in other ways.
  • Wireless communication terminal users can handle cashing and depositing services through local access devices (17).
  • the wireless communication terminal user can prepay a certain amount of wireless communication fees to carry out the deposit and withdrawal of his personal mobile bank account. This can be achieved by, for example, but not limited to, the purchase of a prepaid card of a certain denomination by a mobile phone user, and the purchase of an online card of a certain denomination by a wireless Internet user, etc.
  • the wireless communication terminal user can of course also register with the online bank registered with him through the above-mentioned cross-bank transaction (fund transfer) Transfer funds into your account.
  • the present invention is not limited to the operations described above. Obviously, the user of the wireless communication terminal can also use the same or similar method as the above embodiment.
  • Various other banking services are carried out through the mobile banking system of the present invention. It can be implemented by hardware, 'elements or a combination of components and software and is not limited to a specific form.
  • entities such as shopping malls, toll stations, etc. may be included in the wireless communication terminal users of the mobile bank according to the present invention, so that wireless communication terminal users (such as, but not limited to, mobile phone users or Internet users) can be easily By performing transactions and transfers between the mobile communication system and wireless communication terminal users such as shopping malls and toll stations, unnecessary waste of human and material resources is greatly saved and efficiency is improved.
  • wireless communication terminal users such as, but not limited to, mobile phone users or Internet users

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

L'invention concerne un système de transactions bancaire mobile faisant appel au procédé suivant pour assurer la sécurité du compte bancaire: le système de transactions bancaires mobile enregistre le numéro de communication du terminal de communication sans fil en tant que numéro de compte bancaire, l'utilisateur du terminal de communication module ouvre une session de communication avec le compte bancaire et peut effectuer diverses opérations bancaires, les divers processus des opérations bancaires sont enregistrés automatiquement et un message court de demande est généré afin de demander au terminal de communication utilisateur et à le cas échéant à un utilisateur associé, de confirmer les processus. Ce système de transactions bancaires mobile permet d'offrir un mode de services de transaction qui contrairement aux banques existantes, n'est pas limité par des contraintes temporelles ou géographiques, par connexion à un service de banque mobile par l'intermédiaire d'un terminal de communication sans fil, d'un réseau de communication sans fil, ou de l'Internet, et offre un mode de communication à sécurité contrôlée pour les utilisateurs. Ce système comprend en outre un système de gestion de messages courts, et un système de confirmation envoyé par message court permet de résoudre les risques de sécurité potentiels liés aux vols de comptes et de mots de passe de banques existantes et de banques réseau.
PCT/CN2005/000200 2004-02-26 2005-02-18 Systeme de transactions bancaires mobile WO2005083600A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200410007560.6 2004-02-26
CN 200410007560 CN1661605A (zh) 2004-02-26 2004-02-26 移动银行

Publications (1)

Publication Number Publication Date
WO2005083600A1 true WO2005083600A1 (fr) 2005-09-09

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PCT/CN2005/000200 WO2005083600A1 (fr) 2004-02-26 2005-02-18 Systeme de transactions bancaires mobile

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CN (2) CN1661605A (fr)
WO (1) WO2005083600A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102143482A (zh) * 2011-04-13 2011-08-03 中国工商银行股份有限公司 一种手机银行客户端信息认证方法、系统及移动终端
CN103346880A (zh) * 2013-06-03 2013-10-09 上海众人网络安全技术有限公司 一种手机令牌自动回收系统及方法

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101448001B (zh) * 2008-11-19 2012-03-21 中国工商银行股份有限公司 一种实现wap手机银行交易安全控制的系统及方法
CN110995760A (zh) * 2019-12-24 2020-04-10 中国银行股份有限公司 无人化移动银行网点业务处理系统、服务端、网点及方法

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KR20020032269A (ko) * 2000-10-23 2002-05-03 윤병철 자금 이체 내역의 서비스 시스템 및 방법
KR20030028039A (ko) * 2001-09-27 2003-04-08 모빌토크(주) 이동통신 단말기를 이용한 인터넷 뱅킹에서의출금관리방법
WO2003046784A1 (fr) * 2001-11-29 2003-06-05 Niel Eben Viljoen Procede et systeme de fonctionnement de service bancaire

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Publication number Priority date Publication date Assignee Title
KR20020032269A (ko) * 2000-10-23 2002-05-03 윤병철 자금 이체 내역의 서비스 시스템 및 방법
KR20030028039A (ko) * 2001-09-27 2003-04-08 모빌토크(주) 이동통신 단말기를 이용한 인터넷 뱅킹에서의출금관리방법
WO2003046784A1 (fr) * 2001-11-29 2003-06-05 Niel Eben Viljoen Procede et systeme de fonctionnement de service bancaire

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102143482A (zh) * 2011-04-13 2011-08-03 中国工商银行股份有限公司 一种手机银行客户端信息认证方法、系统及移动终端
CN102143482B (zh) * 2011-04-13 2013-11-13 中国工商银行股份有限公司 一种手机银行客户端信息认证方法
CN103346880A (zh) * 2013-06-03 2013-10-09 上海众人网络安全技术有限公司 一种手机令牌自动回收系统及方法

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CN1661605A (zh) 2005-08-31
CN1820280A (zh) 2006-08-16

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