WO2006021144A1 - Systeme effectuant des transferts de fonds en utilisant un mode de confirmation de messages courts par telephone portable et procede correspondant - Google Patents

Systeme effectuant des transferts de fonds en utilisant un mode de confirmation de messages courts par telephone portable et procede correspondant Download PDF

Info

Publication number
WO2006021144A1
WO2006021144A1 PCT/CN2005/001312 CN2005001312W WO2006021144A1 WO 2006021144 A1 WO2006021144 A1 WO 2006021144A1 CN 2005001312 W CN2005001312 W CN 2005001312W WO 2006021144 A1 WO2006021144 A1 WO 2006021144A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
transfer
short message
module
household
Prior art date
Application number
PCT/CN2005/001312
Other languages
English (en)
French (fr)
Inventor
Xing Zhou
Original Assignee
Xing Zhou
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 Xing Zhou filed Critical Xing Zhou
Priority to JP2007528561A priority Critical patent/JP2008511062A/ja
Priority to US11/661,044 priority patent/US20070244813A1/en
Publication of WO2006021144A1 publication Critical patent/WO2006021144A1/zh

Links

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
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to a system and method for completing a bank transaction, and more particularly to a system and method for handling a bank transfer by means of a mobile phone short message confirmation method.
  • the object of the present invention is to provide a system for bank transfer by means of SMS confirmation of a mobile phone, so as to realize real-time control of the change of funds of the bank account of the head of the household, and timely and effectively avoid the loss of the credit card, the loss of the passbook or the savings card, and the bill.
  • the account of the head of the household is arbitrarily transferred or taken over by others.
  • the system for processing bank transfer by means of mobile phone short message confirmation method includes the bank server side, the confirmation module, the bank transfer service processing module, the transfer operation terminal, and the short message receiving and transmitting module;
  • the bank server side stores a bank account, and the account is a fund account opened by the head of the household, and the account is bound to the mobile phone of the household owner; the bank server end is connected to the confirmation module and the bank transfer service processing module through a dedicated network. ;
  • the confirmation module stores the reservation certificate of the household owner, receives and parses the transfer confirmation information forwarded by the bank server from the household phone, and compares and authenticates the information with the reserved certificate.
  • the transfer operation terminal is connected to the bank server end through a public network or a private network, and receives the transfer processing result information from the bank server end; the transfer operation terminal and the short message transceiver module are connected to each other, and send the transfer to the short message transceiver module. Request information;
  • the short message receiving and transmitting module is a device for sending and receiving short messages, and is connected to the bank server through a public network or a private network; the short message receiving and receiving module receives and parses a transfer request from the transfer operation terminal The information, encoding and sending the short message to the household phone bound to the bank account, automatically detecting and receiving the confirmation message from the household phone, and then forwarding to the bank server.
  • the system further includes: the transfer operation terminal forwarding the transfer processing result information from the bank server side to the short message transceiver module, and then encoding and transmitting the short message to the household phone connected to the bank account.
  • the bank account is a personal credit card account, or a personal deposit account, or an enterprise account, or an interbank deposit account, or a national vault account.
  • the short message is selected from one or a combination of a text message, a voice message, and an image message.
  • the transfer operation terminal is a credit card transfer operation terminal of a consumer place, or a credit card transfer operation terminal rejected by a bank business, or a manual transfer operation terminal rejected by a banking business.
  • the transfer operation terminal and the short message transceiver module may be connected to each other through a dedicated network; or the transfer operation terminal and the short message transceiver module may be combined into one device, and the Interfaces are interconnected.
  • the short message receiving and receiving module is a mobile phone or a telephone equipped with a chip or software for transmitting and receiving short messages, or a computer capable of sending a mobile phone short message through the Internet, or a specially manufactured device for transmitting and receiving short messages.
  • the reserved voucher is personalized information related to the identity of the head of household pre-agreed between the head of the household and the bank, such as scanning the fingerprint of the head of the household and depositing it into the mobile phone as a reserved voucher, or a specific photo to be taken.
  • a reserved voucher or the picture drawn by the head of the household as a reserved voucher, or the signature of the head of the household as a reserved voucher, or a piece of voice recorded by the mobile phone as a reserved voucher, sent to the bank's confirmation module through the mobile phone
  • Corresponding image recognition and speech recognition are used as reserved credentials for identifying the identity of the household.
  • the reserved credential and the confirmation module may have the following corresponding manners:
  • the reservation voucher is a password consisting of a number and an English letter
  • the confirmation module is a digital or alphanumeric authentication device
  • the reservation voucher is a specific voice or music recorded by the head of the household, and the confirmation module is a telephone recording device or an audio recognition device;
  • the reservation certificate is a mobile phone number of the head of the household or an electronic serial number of the mobile phone, and the confirmation module is a household electronic identification device;
  • the reservation certificate is a fingerprint of the head of the household, and the confirmation module is a fingerprint identification device;
  • the reservation certificate is a signature or a seal of the head of the household
  • the confirmation module is a handwriting identification device
  • the reservation certificate is an image designated by the owner
  • the confirmation module is an image recognition device.
  • the confirmation module is a bank manual confirmation module, which directly detects whether a confirmation call is received from the household owner, and confirms the identity of the household owner.
  • the invention also provides a method for handling bank transfer by means of mobile phone short message confirmation.
  • the method for processing a transfer by means of a mobile phone short message confirmation method comprises the following steps:
  • the head of the household opens a bank account at the bank, which is linked to the mobile phone of the head of the household;
  • the transfer operation terminal sends the transfer request information to the short message transceiver module through the private network or the internal interface;
  • the short message receiving and receiving module receives and parses the transfer request information from the transfer operation terminal, encodes and sends the short message to the household phone bound to the bank account;
  • the short message sending and receiving module automatically detects whether the received short message sent by the household phone is received; if the confirmation short message is received, the short message sending and receiving module sends the information to the bank server through the private network or the public network; otherwise, the short message receiving and receiving module feeds back to the transfer Operation terminal, the transfer operation ends;
  • the bank server receives and forwards the confirmation message of the account owner to the confirmation module, and the short message includes the household identity verification information and the transfer confirmation information;
  • the confirmation module compares and authenticates the household identity authentication information with the reserved certificate; if the identity of the household owner is confirmed, the confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the household owner; Otherwise, the confirmation module feeds back to the transfer operation terminal through the bank server, and the transfer operation ends;
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server end.
  • the method further includes: after the step h, the transfer operation terminal forwards the transfer processing result information from the bank server to the short message transceiver module, and then encodes and sends the short message to the household phone bound to the bank account.
  • the short message receiving and receiving module presets an automatically detected parameter, including the number of detections and the interval time of each time.
  • the invention also provides another method for handling bank transfer by means of mobile phone short message confirmation.
  • the method for processing a bank transfer by means of a mobile phone short message confirmation method includes the following steps:
  • a reservation certificate is agreed between the head of the household and the bank, and is stored in the confirmation module;
  • the transfer operation terminal transmits the transfer request information to the short message) 1 module through the private network or the internal interface;
  • the short message receiving and receiving module receives and parses the transfer request information from the transfer operation terminal, encodes and sends the short message to the mobile phone of the household account bound with the account of the bank;
  • the bank manual confirmation module automatically detects whether it has received the confirmation call from the head of the household; if it receives the call from the household owner, it confirms the identity of the household; otherwise, it feeds back to the transfer operation terminal, and the transfer operation ends;
  • the bank manual confirmation module sends a transfer processing instruction to the bank transfer business processing module according to the instruction of the head of the household; otherwise, the bank server end feeds back to the transfer operation terminal, and the transfer operation ends;
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the bank manual confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server.
  • the method further includes: after the step g, the transfer operation terminal forwards the transfer processing result information from the bank server to the short message transceiver module, and then encodes and sends the short message to the household phone bound to the bank account.
  • step e the bank manual confirmation module presets an automatically detected parameter, including the number of detections, and the interval time each time.
  • the implementation of the present invention is simple, and various platforms and technologies can be combined by using mature equipment such as an existing banking system, a transfer operation terminal, and existing mobile communication technologies, and according to the technical solution of the present invention. After the transformation, the system can be deployed and quickly promoted.
  • FIG. 1 is a schematic diagram of a system for processing bank transfer by means of a mobile phone short message confirmation method according to the present invention
  • FIG. 2 is a flow chart of a method for handling bank transfer by means of a mobile phone short message confirmation method according to the present invention
  • FIG. 3 is a flow chart of another method for handling bank transfer by means of a mobile phone short message confirmation method according to the present invention. detailed description
  • the system for bank transfer by mobile phone short message confirmation method includes a bank server terminal 1, a confirmation module 2, a bank transfer service processing module 3, a transfer operation terminal 4, and a short message receiving module 5;
  • the bank server 1 stores a bank account, which is a fund account opened by the head of the household at the bank, and the account is bound to the mobile phone 6 of the household owner; the bank server 1 passes the private network and the confirmation module 2 and the bank transfer service The processing module 3 is connected;
  • the confirmation module 2 stores the reservation certificate of the household owner, receives and parses the transfer confirmation information from the household mobile phone 6 forwarded by the bank server terminal 1, compares and authenticates the information with the reserved certificate, and confirms the household owner.
  • Identity and according to the instructions of the head of household, send the transfer processing instruction to the bank transfer service processing module 3;
  • the reserved voucher is personalized information related to the identity of the household owner pre-agreed between the head of the household and the bank;
  • the transfer service processing module 3 receives and processes the transfer processing instruction sent by the confirmation module 2, and feeds back the transfer processing result to the transfer operation terminal 4 through the bank server 1;
  • the transfer operation terminal 4 is connected to the bank server 1 via a public network or a private network, and receives the transfer processing result information from the bank server 1;
  • the transfer operation terminal 4 and the short message transceiver module 5 are connected to each other, and send and receive text messages to the short message.
  • Module 5 sends a transfer request message;
  • the short message transceiver module 5 is a device for transmitting and receiving a short message, and is connected to the bank server 1 through a public network or a private network; the short message receiving and receiving module 5 receives and parses the terminal from the transfer operation terminal.
  • the transfer request information of 4 encode and send the short message to the household phone 6 bound to the bank account, automatically detect and receive the confirmation message from the mobile phone 6 of the household, and then forward it to the bank server 1 .
  • the system further includes: the transfer operation terminal 4 forwarding the transfer processing result information from the bank server 1 to the short message transceiver module 5, and then encoding and transmitting the short message to the household mobile phone 6 to which the bank account is bound.
  • the transfer operation terminal 4 and the short message transceiver module 5 may have different connection modes: as shown in the example on the left side, they are independent of each other, and are connected to each other through a dedicated network; As shown in the side examples, they are combined into one device, which are interconnected by an internal interface.
  • Embodiment 1 Transfer of funds when credit card consumption is settled
  • the transfer operation terminal is a credit card transfer operation terminal of a consumer place
  • the short message receiving and receiving module is a mobile phone or a telephone machine equipped with a chip or software for transmitting and receiving a short message, or can send a mobile phone short message through the Internet.
  • the card transfer operation terminal and the short message transceiver module are connected to each other through a dedicated network; or the card transfer operation terminal and the short message transceiver module are combined into one device, and the two are connected to each other through an internal interface. .
  • the method for handling bank transfer by means of mobile phone short message confirmation refers to FIG. 2: First, the head of the household opens a credit card account at a bank, and the account is bound to the mobile phone of the owner, that is, step 101. Then, the account holder and the bank agree to reserve the voucher, and store it in the confirmation module, that is, step 102.
  • the card transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 103.
  • the short message receiving and receiving module receives and parses the transfer request information from the credit card transfer operation terminal, encodes and sends the short message to the household mobile phone bound to the bank account, that is, step 104, the short message content is the bank account, the amount of funds to be transferred, and the fund acceptance Information about your account or organization.
  • the short message transceiver module automatically detects whether a confirmation message sent by the owner's mobile phone is received, that is, step 105.
  • the short message sending and receiving module sends the information to the bank server through the private network or the public network, that is, step 106; otherwise, the short message receiving and transmitting module feeds back to the credit card transfer operation terminal, that is, step 107, the transfer operation ends.
  • the server server receives and forwards the confirmation message of the household owner to the confirmation module, and the short message includes the household identity verification information and the transfer confirmation information, that is, step 108.
  • the confirmation module compares and authenticates the household identity authentication information with the reserved certificate, that is, step 109; if the identity of the household owner is confirmed, the confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, including transferring the funds or rejecting The instruction to transfer the funds, that is, step 110; otherwise, the confirmation module feeds back to the credit card transfer operation terminal, that is, step 111, the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server, that is, step 112, the transfer operation ends, and the transaction document is printed.
  • step 113 the card transfer operation terminal forwards the transfer processing result information from the bank server to the short message transceiver module, and then encodes and sends the short message to the 4 line.
  • the reserved voucher is personalized information related to the identity of the head of household pre-agreed between the head of the household and the bank, such as scanning the fingerprint of the head of the household and depositing it into the mobile phone as a reserved voucher, or a specific photo to be taken.
  • a reserved voucher or the picture drawn by the head of the household as a reserved voucher, or the signature of the head of the household as a reserved voucher, or a piece of voice recorded by the mobile phone as a reserved voucher, sent to the bank's confirmation module via the mobile phone for corresponding image recognition.
  • voice recognition as a reserved voucher for identifying the identity of the head of the household.
  • the reserved credential and the confirmation module may have the following corresponding manners:
  • the reservation voucher is a password consisting of a number and an English letter
  • the confirmation module is a digital or alphanumeric authentication device
  • the reservation voucher is a specific voice or music recorded by the head of the household, and the confirmation module is a telephone recording Device or audio recognition device;
  • the reservation certificate is a mobile phone number of the head of the household or an electronic serial number of the mobile phone, and the confirmation module is a household electronic identification device;
  • the reservation certificate is a fingerprint of the head of the household, and the confirmation module is a fingerprint identification device;
  • the reservation certificate is a signature or a seal of the head of the household
  • the confirmation module is a handwriting identification device
  • the reservation certificate is an image designated by the owner
  • the confirmation module is an image recognition device.
  • the confirmation module receives a specific text message or an image message or a voice message sent by the owner's mobile phone, and compares and authenticates with the reserved certificate stored in the confirmation module.
  • the method for processing bank transfer by means of mobile phone short message confirmation can also refer to FIG. 3: First, the account owner opens a credit card account at a bank, and the account is bound to the mobile phone of the household owner, that is, step 201. Then, the account holder and the bank agree to reserve the voucher, and store it in the confirmation module, step 202.
  • the card transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 203.
  • the short message receiving and receiving module receives and parses the transfer request information from the credit card transfer operation terminal, encodes and sends the short message to the household mobile phone bound to the bank account, that is, step 204, the short message content is the bank account, the amount of funds to be transferred, and the fund acceptance Information about your account or organization.
  • the bank manual confirmation module automatically detects whether it receives the confirmation call from the head of the household, that is, step 205; if the householder receives the incoming call, the household identity is confirmed, that is, step 206; otherwise, the feedback to the transfer operation terminal, that is, step 207, the transfer operation ends. If the identity of the household owner is confirmed, the bank manual confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, that is, step 208; otherwise, feedback to the transfer operation terminal, that is, step 209, the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the manual confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server, that is, step 210, the transfer operation ends, and the transaction document is printed. .
  • step 211 the card transfer operation terminal forwards the transfer processing result information from the bank server to the short message transceiver module, and then encodes and sends the short message to the bank account.
  • the designated household phone The designated household phone.
  • Example 2 Transfer of funds from a personal deposit account
  • the transfer operation terminal is a credit card transfer operation terminal that is rejected by the banking service;
  • the short message transceiver module is a mobile phone or a telephone equipped with a chip or software for transmitting and receiving short messages, or a computer capable of transmitting a mobile phone short message through the Internet, or a specially manufactured device for transmitting and receiving short messages.
  • the card transfer operation terminal and the short message transceiver module and the confirmation module are connected to each other through a dedicated network; or the card transfer operation terminal is combined with the short message transceiver module and the confirmation module. As a device, they are connected to each other through an internal interface.
  • FIG. 2 The method for handling bank transfer by mobile phone short message confirmation method according to the present invention refers to FIG. 2:
  • the head of the household opens a credit card account at a bank, and the account is bound to the mobile phone of the owner, ie, step 101. Then, the account holder and the bank agree to reserve the voucher, and store it in the confirmation module, step 102.
  • the card transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 103.
  • the short message receiving and receiving module receives and parses the transfer request information from the credit card transfer operation terminal, encodes and sends the short message to the household mobile phone bound to the bank account, that is, step 104, the short message content is the bank account, the amount of funds to be transferred, the funds Accept relevant information such as tenants or units.
  • the short message transceiver module automatically detects whether the confirmation message sent by the owner's mobile phone is received, that is, step 105.
  • the short message sending and receiving module sends the information to the bank server through the private network or the public network, that is, step 106; otherwise, the short message receiving and transmitting module feeds back to the credit card transfer operation terminal, that is, step 107, the transfer operation ends.
  • the bank server receives and forwards the owner's confirmation message to the confirmation module, and the message includes the household identity verification information and the transfer confirmation information, that is, step 108.
  • the confirmation module compares and authenticates the household identity authentication information with the reserved certificate, that is, step 109; if the identity of the household owner is confirmed, the confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, including transferring the funds or rejecting The instruction to transfer the funds, that is, step 110; otherwise, the confirmation module feeds back to the credit card transfer operation terminal, that is, step 111, and the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server, that is, step 112, the transfer operation ends, and the transaction document is printed.
  • step 113 the card transfer operation terminal forwards the transfer processing result information from the bank server to the short message transceiver module, and then encodes and sends the short message to the bank account. Bind household phone.
  • the reserved voucher is personalized information related to the identity of the head of household pre-agreed between the head of the household and the bank, such as scanning the fingerprint of the head of the household and depositing it into the mobile phone as a reserved voucher, or a specific photo to be taken.
  • a reservation voucher or the painting drawn by the head of the household as a reservation voucher, or the signature of the head of the household as a reservation
  • the certificate or a piece of voice recorded by the mobile phone is used as a reserved voucher, and is sent to the bank's confirmation module through the mobile phone to perform corresponding image recognition and voice recognition as a reserved voucher for identifying the identity of the household owner.
  • the reserved credential and the confirmation module may have the following corresponding manners:
  • the reservation voucher is a password consisting of a number and an English letter
  • the confirmation module is a digital or alphanumeric authentication device
  • the reservation voucher is a specific voice or music recorded by the head of the household, and the confirmation module is a telephone recording device or an audio recognition device;
  • the reservation certificate is a mobile phone number of the head of the household or an electronic serial number of the mobile phone, and the confirmation module is a household electronic identification device;
  • the reservation certificate is a fingerprint of the head of the household, and the confirmation module is a fingerprint identification device;
  • the reservation certificate is a signature or a seal of the head of the household
  • the confirmation module is a handwriting identification device
  • the reservation certificate is an image designated by the owner
  • the confirmation module is an image recognition device.
  • the confirmation module receives a specific text message or an image message or a voice message sent by the owner's mobile phone, and compares and authenticates with the reserved certificate stored in the confirmation module.
  • the method for processing bank transfer by means of mobile phone short message confirmation can also refer to FIG. 3: First, the account owner opens a credit card account at a bank, and the account is bound to the mobile phone of the household owner, that is, step 201. Then, the account holder and the bank agree to reserve the voucher, and store it in the confirmation module, step 202.
  • the card transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 203.
  • the short message receiving and receiving module receives and parses the transfer request information from the credit card transfer operation terminal, encodes and sends the short message to the household mobile phone bound to the bank account, that is, step 204, the short message content is the bank account, the amount of funds to be transferred, and the fund acceptance Information about your account or organization.
  • the bank manual confirmation module automatically detects whether the home owner's confirmation call is received, that is, step 205; if the householder receives the incoming call, the householder identity confirmation is performed, that is, step 206; otherwise, the feedback to the transfer operation terminal, that is, step 207, the transfer operation ends. If the identity of the household owner is confirmed, the bank manual confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, that is, step 208; otherwise, feedback to the transfer operation terminal, that is, step 209, the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the bank manual confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server end, that is, step 210, the transfer operation ends, and the transaction document is printed.
  • the step of notifying the owner may be added, that is, step 211, the card transfer operation terminal forwards the transfer processing result information from the bank server to the short message receiving and transmitting module, and then encodes and sends the short message to the 4 lines.
  • the account owner phone to which the account is bound.
  • Example 3 Transfer of funds from a corporate account
  • the transfer operation terminal is a manual transfer operation terminal of the banking service counter;
  • the short message receiving and transmitting module is a mobile phone or a telephone equipped with a chip or software for transmitting and receiving short messages, or can send a mobile phone short message via the Internet.
  • the manual transfer operation terminal and the short message transceiver module and the confirmation module are connected to each other through a dedicated network; or the credit card transfer operation terminal is combined with the short message transceiver module and the confirmation module. As a device, they are connected to each other through an internal interface.
  • the method for handling bank transfer by means of SMS confirmation by mobile phone refers to FIG. 2: First, the enterprise opens a credit card account at a bank, and the account is bound to the mobile phone of the legal representative of the enterprise, that is, step 3 ⁇ 4 101.
  • the bank employee When someone transfers the funds to the bank with the check or money order of the company, the bank employee enters the bank account of the enterprise into the manual transfer operation terminal after confirming that the check or the draft is printed in the same way as the bank reserved the seal.
  • the manual transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 103.
  • the short message receiving and receiving module receives and parses the transfer request information from the manual transfer operation terminal, encodes and sends the short message to the mobile phone of the legal representative of the enterprise 4 bank account binding, that is, step 104, the short message content is a bank account, and is to be transferred out. Relevant information such as the amount of funds, funds accepted accounts or units.
  • the short message transceiver module automatically detects whether a confirmation message sent by the legal representative mobile phone is received, that is, step 105. If the confirmation SMS is received, the SMS_
  • the bank server receives and forwards the confirmation message of the account owner to the confirmation module, and the short message includes the legal representative authentication information and the transfer confirmation information, that is, step 108.
  • the confirmation module compares and authenticates the legal representative authentication information with the reserved certificate, that is, step 109; if the legal representative is confirmed, the confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, including The instruction to withdraw funds or refuse to transfer funds, ie step 110; otherwise, the confirmation module feeds back to the end of the manual transfer operation End, step 111, the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server, that is, step 112, the transfer operation ends, and the transaction document is printed.
  • step 113 the manual transfer operation terminal forwards the transfer processing result information from the bank server to the short message receiving and transmitting module, and then encodes and sends the short message to the bank.
  • the legal representative phone that is bound to the account.
  • the reserved voucher is personalized information related to the identity of the head of household pre-agreed between the head of the household and the bank, such as scanning the fingerprint of the head of the household and depositing it into the mobile phone as a reserved voucher, or a specific photo to be taken.
  • a reserved voucher or the painting drawn by the head of the household as a reserved voucher, or the signature of the head of the household as a reserved voucher, or a piece of voice recorded by the mobile phone as a reserved voucher, sent to the bank's confirmation module through the mobile phone to perform corresponding image recognition
  • voice recognition is used as a reservation certificate for identifying the identity of the head of the household.
  • the reserved credential and the confirmation module may have the following corresponding manners:
  • the reservation voucher is a password consisting of a number and an English letter
  • the confirmation module is a digital or alphanumeric password device
  • the reservation voucher is a specific voice or music recorded by the head of the household, and the confirmation module is a telephone recording device or an audio recognition device;
  • the reservation certificate is a mobile phone number of the head of the household or an electronic serial number of the mobile phone, and the confirmation module is a household electronic identification device;
  • the reservation certificate is a fingerprint of the head of the household, and the confirmation module is a fingerprint identification device;
  • the reservation certificate is a signature or a seal of the head of the household
  • the confirmation module is a handwriting identification device
  • the reservation certificate is an image designated by the owner
  • the confirmation module is an image recognition device.
  • the confirmation module receives a specific text message or an image message or a voice message sent by the owner's mobile phone, and compares and authenticates with the reserved certificate stored in the confirmation module.
  • the method for handling bank transfer through the mobile phone short message confirmation method can also refer to FIG. 3: First, the enterprise opens a credit card account at a bank, and the account is bound to the mobile phone of the legal representative of the enterprise, that is, step 201.
  • the bank employee When someone transfers money from the bank with a check or money order from the company, the bank employee confirms the check or money order After the seal is the same as the company's reserved seal, the bank account of the enterprise is entered into the manual transfer operation terminal.
  • the manual transfer operation terminal sends the transfer request information to the short message receiving and transmitting module through the private network or the internal interface, that is, step 203.
  • the short message receiving and receiving module receives and parses the transfer request information from the manual transfer operation terminal, encodes and sends the short message to the legal representative mobile phone bound to the bank account, that is, step 204, the short message content is the bank account, the amount of funds to be transferred, The funds accept relevant information such as accounts or units.
  • the bank manual confirmation module automatically detects whether the confirmation call of the legal representative is received, that is, step 205; if the legal representative is called, the legal representative identity is confirmed, that is, step 206; otherwise, the feedback to the transfer operation terminal, step 207 , the transfer operation ends. If the legal representative status is confirmed, the bank manual confirmation module sends a transfer processing instruction to the bank transfer service processing module according to the instruction of the head of the household, that is, step 208; otherwise, feedback to the transfer operation terminal, that is, step 209, the transfer operation ends.
  • the bank transfer service processing module receives and processes the transfer processing instruction sent by the bank manual confirmation module through the private network, and then feeds the transfer processing result to the transfer operation terminal through the bank server end, that is, step 210, the transfer operation ends, and the transaction document is printed.
  • step 211 the manual transfer operation terminal forwards the transfer processing result information from the bank server to the short message receiving and transmitting module, and then encodes and sends the short message to the bank.
  • the legal representative phone that is bound to the account.

Landscapes

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

Description

通过手机短信确认方式办理 4艮行转帐的系统与方法 技术领域
本发明涉及一种完成银行交易的系统与方法， 尤其是一种通过手机短信确认 方式办理 4艮行转帐的系统与方法。
背景技术
在现代发达的商业社会中， 人与人之间、 人与企业之间、 企业与企业之间的 资金来往， 通常是通过银行帐户的资金调拨来实现的。 银行转帐的安全问题备受 关注。 随着信用卡越来越广泛得到使用， 人们经常因信用卡丟失、 偷盗， 导致被 人冒用， 给户主带来极大的经济损失。 同样， 对于个人存款帐户、 企业帐户等， 也经常因存折或储蓄卡丢失、 密码或印鉴被盗， 而被人冒领资金或擅自转出资金， 给户主带来严重的经济损失。 现有技术中， 户主通常依靠银行挂失才能防止其银 行帐户的资金不会被他人冒领， 但现实生活中常常无法及时挂失， 使户主的经济 损失难以挽回， 甚至无法挽回。 一旦发生信用卡的丟失、 存折或储蓄卡丢失、 票 据密码被盗或印鉴被盗等情形， 而又无法挂失时， 户主往往束手无策。 对此， 现 有技术尚无一种有效的解决方案。 发明内容 '
本发明的目的在于提供一种通过手机短信确认方式办理银行转帐的系统， 以 实现户主对其银行帐户的资金变动情况的实时控制， 及时有效地避免在信用卡的 丢失、 存折或储蓄卡丟失、 票据密码被盗或印鉴被盗的情况下户主的帐户資金被 他人随意调拨或冒领的风险。
本发明所述的通过手机短信确认方式办理银行转帐的系统， 包括银行服务器 端， 确认模块， 银行转帐业务处理模块， 转帐操作终端， 短信收发模块；
所述的银行服务器端存储有银行帐户， 该帐户是户主在 4艮行开设的资金帐户， 该帐户绑定户主的手机； 所述银行服务器端通过专用网络与确认模块以及银行转 帐业务处理模块连接；
所述的确认模块， 存储有户主的预留凭证， 接收并解析由所述银行服务器端 转发的来自户主手机的转帐确认信息， 将该信息与预留凭证进行比较和鉴别， 确
1
确 认 本 认户主身份， 并按户主的指示向所述银行转帐业务处理模块发送转帐处理指令； 所述的预留凭证， 是户主与银行之间预先约定的与户主身份有关的个性化信息； 所述的 4艮行转帐业务处理模块， 接收并处理由所述确认模块发来的转帐处理 指令， 再将转帐处理结果通过银行服务器端反馈到所述转帐操作终端；
所述的转帐操作终端， 通过公共网络或者专用网络与所述银行服务器端连接， 接收来自银行服务器端的转帐处理结果信息； 所述的转帐操作终端与短信收发模 块相互连接， 向短信收发模块发送转帐请求信息；
所述的短信收发模块， 是用于发送和接收短信的设备， 通过公共网络或者专 用网络与所述银行服务器端连接； 所迷的短信收发模块， 接收并解析来自所述转 帐操作终端的转帐请求信息， 编码并发送短信到所述银行帐户绑定的户主手机， 自动检测并接收来自户主手机的确认短信， 再转发到所述的银行服务器端。
该系统进一步包括： 所述转帐操作终端转发来自银行服务器端的转帐处理结 果信息到所述的短信收发模块， 再编码并发送短信到所述银行帐户绑定的户主手 机。
该系统中, 所述的银行帐户是个人信用卡帐户 , 或者个人存款帐户， 或者企 业帐户， 或者同业存款帐户， 或者国家金库帐户。
该系统中， 所述的短信选自文字短信、 语音短信、 图像短信的一种或者一种 以上的组合。
该系统中， 所述的转帐操作终端是消费场所的刷卡转帐操作终端， 或者是银 行业务拒台的刷卡转帐操作终端， 或者是银行业务拒台的人工转帐操作终端。
该系统中， 所述的转帐操作终端与短信收发模块之间可以是通过专用网絡相 互连接的； 也可以是将所述的转帐操作终端与短信收发模块组合为一个设备， 它 们之间是通过内部接口实现相互连接的。
该系统中， 所述的短信收发模块是装有发送接收短信的芯片或软件的手机或 者电话机， 或者能通过互联网发送手机短信的计算机， 或者专门制造的发送接收 短信的设备。
该系统中，所述的预留凭证，是户主与银行之间预先约定的与户主身份有关的 个性化信息，如将户主的指纹扫描后存入手机作为预留凭证，或者将拍摄的特定照 片作为预留凭证，或者户主画的画作为预留凭证，或者是户主的签名作为预留凭证， 或者是手机录制的一段语音作为预留凭证，通过手机发送到银行的确认模块中进行 相应图像识别、 语音识别作为鉴定户主身份的预留凭证。
该系统中， 所述的预留凭证与确认模块可以有以下对应的方式：
所述的预留凭证是由数字及英文字母組成的密码， 所述的确认模块是数字或 字母密码鉴别装置；
所述的预留凭证是户主录制的特定语音或音乐， 所述的确认模块是电话录音 装置或者音频识别装置；
所述的预留凭证是户主的手机号码或手机电子串号， 所述的确认模块是户主 电子特征识别装置；
所述的预留凭证是户主的指紋， 所述的确认模块是指纹识别装置；
所述的预留凭证是户主的签名或者印章， 所述的确认模块是笔迹鉴别装置； 所述的预留凭证是户主指定的图像， 所述的确认模块是图像识别装置。
另一种方案中， 所述的确认模块是银行人工确认模块， 直接检测是否接到户 主的确认电话， 并进行户主身份确认。 本发明还提供了通过手机短信确认方式办理银行转帐的方法。
本发明所述的一种通过手机短信确认方式办理 4艮行转帐的方法， 包括以下步 驟：
( a )户主在银行开设银行帐户， 该帐户绑定户主的手机；
( b )户主与银行之间约定预留凭证， 存储于确认模块；
( c )转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求 信息；
( d )短信收发模块接收并解析来自所述转帐操作终端的转帐请求信息， 编码 并发送短信到银行帐户绑定的户主手机；
( e )短信收发模块自动检测是否收到户主手机发送的确认短信； 如果收到确 认短信， 短信收发模块通过专用网络或者公共网絡将该信息发送到银行服务器端； 否则， 短信收发模块反馈到转帐操作终端， 转帐操作结束；
( f )银行服务器端接收并转发户主的确认短信到确认模块， 该短信包含户主 身份验证信息及转帐确认信息；
( g )确认模块将户主身份验证信息与预留凭证进行比较和鉴别； 如果确认户 主身份， 确认模块按户主的指示向所述银行转帐业务处理模块发送转帐处理指令； 否则， 确认模块通过银行服务器端反馈到转帐操作终端， 转帐操作结束；
( h )银行转帐业务处理模块通过专用网络接收并处理确认模块发来的转帐处 理指令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端。
该方法进一步包括： 在步骤 h后， 所述转帐操作终端转发来自银行服务器端 的转帐处理结果信息到所述的短信收发模块， 再编码并发送短信到所述银行帐户 绑定的户主手机。
该方法中， 在步驟 e 中， 所述短信收发模块预先设定一个自动检测的参数， 包括检测次数、 每次的间隔时间。 本发明还提供了另一种通过手机短信确认方式办理银行转帐的方法。
本发明所迷的一种通过手机短信确认方式办理艮行转帐的方法， 包括以下步 骤：
( a )户主在 4艮行开设 4艮行帐户， 该帐户绑定户主的手机；
( b )户主与 4艮行之间约定预留凭证， 存储于确认模块；
( C )转帐操作终端通过专用网络或者内部接口向短信) 1 模块发送转帐请求 信息；
( d )短信收发模块接收并解析来自所述转帐操作终端的转帐请求信息， 编码 并发送短信到 4艮行帐户绑定的户主手机；
( e )银行人工确认模块自动检测是否接到户主的确认电话； 如果接到户主来 电， 进行户主身份确认； 否则， 反馈到转帐操作终端， 转帐操作结束；
( f )如果确认户主身份， 银行人工确认模块按户主的指示向银行转帐业务处 理模块发送转帐处理指令； 否则， 通过银行服务器端反馈到转帐操作终端， 转帐 操作结束；
( g )银行转帐业务处理模块通过专用网络接收并处理银行人工确认模块发来 的转帐处理指令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端。
该方法进一步包括： 在步骤 g后， 所述转帐操作终端转发来自银行服务器端 的转帐处理结果信息到所述的短信收发模块， 再编码并发送短信到所述银行帐户 绑定的户主手机。
该方法中， 在步骤 e 中， 银行人工确认模块预先设定一个自动检测的参数， 包括检测次数、 每次的间隔时间。 本发明所述的通过手机短信确认方式办理 4艮行转帐的系统与方法， 解决了现有 技术中存在的问题， 具有以下优点：
( 1 )提供了一种新的银行转帐的办理模式， 由于在资金调拨时需要通过手机短 信让户主确认， 实现了在资金调拨前户主与银行之间的互动式监管， 实现了户主对 其银行帐户的资金变动情况的实时控制， 及时有效地避免在信用卡的丢失、 存折或 储蓄卡丢失、 票据密码被盗或印鉴被盗的情况下户主的帐户资金被他人随意调拨或 冒领的风险， 保证了户主资金的安全。
( 2 )本发明的实施简单，可利用现有的银行系统、转帐操作终端等成熟的设备， 以及现有的移动通信技术， 将各种平台与技术结合起来， 并按本发明的技术方案进 行改造， 就可以完成系统部署， 并迅速推广。
( 3 )由于有了企业在银行的预留凭证以及手机短信的双重确认机制，更好地保 护了企业银行帐户奢 的安全， 也让企业法人及时掌握了企业资金的流动状况， 方 便了企业的管理。 附图说明
图 1是本发明所述的通过手机短信确认方式办理银行转帐的系统的示意图； 图 2 是本发明所述的一种通过手机短信确认方式办理银行转帐的方法的流程 图；
图 3 是本发明所述的另一种通过手机短信确认方式办理银行转帐的方法的流 程图。 具体实施方式
下面结合附图对本发明的具体实施方式作进一步的详细说明。
参照图 1 , 本发明所述的通过手机短信确认方式办理银行转帐的系统， 包括银 行服务器端 1 , 确认模块 2 , 银行转帐业务处理模块 3, 转帐操作终端 4 , 短信收 发模块 5;
所述的银行服务器端 1 存储有银行帐户， 该帐户是户主在银行开设的资金帐 户， 该帐户绑定户主的手机 6; 所述银行服务器端 1通过专用网络与确认模块 2以 及艮行转帐业务处理模块 3连接； 所述的确认模块 2 ,存储有户主的预留凭证，接收并解析由所述银行服务器端 1转发的来自户主手机 6的转帐确认信息， 将该信息与预留凭证进行比较和鉴别， 确认户主身份， 并按户主的指示向所述银行转帐业务处理模块 3发送转帐处理指 令； 所述的预留凭证， 是户主与银行之间预先约定的与户主身份有关的个性化信 息；
所述的 4艮行转帐业务处理模块 3 ,接收并处理由所述确认模块 2发来的转帐处 理指令， 再将转帐处理结果通过银行服务器端 1反馈到所述转帐操作终端 4; 所述的转帐操作终端 4，通过公共网络或者专用网络与所述银行服务器端 1连 接， 接收来自银行服务器端 1的转帐处理结果信息； 所述的转帐操作终端 4与短 信收发模块 5相互连接， 向短信收发模块 5发送转帐请求信息；
所述的短信收发模块 5 , 是用于发送和接收短信的设备， 通过公共网络或者专 用网络与所述银行服务器端 1连接； 所述的短信收发模块 5，接收并解析来自所述 转帐操作终端 4 的转帐请求信息， 编码并发送短信到所述艮行帐户绑定的户主手 机 6 , 自动检测并接收来自户主手机 6的确认短信，再转发到所述银行服务器端 1。
该系统进一步包括： 所述转帐操作终端 4转发来自银行服务器端 1的转帐处 理结果信息到所述的短信收发模块 5 ,再编码并发送短信到所述银行帐户绑定的户 主手机 6。
图 1 中， 所述的转帐操作终端 4与短信收发模块 5可以有不同的连接方式： 如左侧的例子所示， 它们是相互独立的， 它们之间是通过专用网络相互连接的； 如右侧的例子所示， 它们组合为一个设备， 它们之间是通过内部接口实现相互连 接的。 实施例一： 信用卡消费结帐时转出资金
本实施例中，所述的转帐操作终端是消费场所的刷卡转帐操作终端； 所述的短 信收发模块是装有发送接收短信的芯片或软件的手机或者电话机，或者能通过互联 网发送手机短信的计算机， 或者专门制造的发送接收短信的设备。
本实施例中 , 刷卡转帐操作终端与短信收发模块之间是通过专用网络相互连 接的； 或者是将刷卡转帐操作终端与短信收发模块组合为一个设备， 它们之间是 通过内部接口实现相互连接的。
本发明所述的通过手机短信确认方式办理银行转帐的方法参照图 2: 首先， 户主在某银行开设信用卡帐户， 该帐户绑定户主的手机， 即步驟 101。 然后， 户主与银行之间约定预留凭证， 存储于确认模块， 即步骤 102。
当有人在宾馆、酒店或商场等消费场所用上述信用卡进行消费结帐时，收银员 刷卡后，刷卡转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请 求信息， 即步骤 103。短信收发模块接收并解析来自刷卡转帐操作终端的转帐请求 信息， 编码并发送短信到所述银行帐户绑定的户主手机， 即步骤 104， 短信内容为 银行帐户、要转出的资金额度、 资金接受帐户或单位等相关信息。短信收发模块自 动检测是否收到户主手机发送的确认短信， 即步骤 105。 如果收到确认短信， 短信 收发模块通过专用网络或者公共网络将该信息发送到银行服务器端， 即步骤 106; 否则， 短信收发模块反馈到刷卡转帐操作终端， 即步骤 107 , 转帐操作结束。 银行 服务器端接收并转发户主的确认短信到确认模块，该短信包含户主身份验证信息及 转帐确认信息， 即步骤 108。 确认模块将户主身份验证信息与预留凭证进行比较和 鉴别， 即步骤 109; 如果确认户主身份， 确认模块按户主的指示向所述银行转帐业 务处理模块发送转帐处理指令， 包括转出资金或者拒绝转出资金的指令， 即步骤 110; 否则， 确认模块反馈到刷卡转帐操作终端， 即步骤 111 , 转帐操作结束。 银 行转帐业务处理模块通过专用网絡接收并处理确认模块发来的转帐处理指令,再将 转帐处理结果通过银行服务器端反馈到转帐操作终端，即步骤 112 ,转帐操作结束， 打印交易单据。
在步骤 112转帐成功后， 可增加通知户主的步骤， 即步驟 113 , 刷卡转帐操作 终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再编码并 发送短信到所述 4艮行帐户绑定的户主手机。
上述方法中，所述的预留凭证，是户主与银行之间预先约定的与户主身份有关 的个性化信息，如将户主的指紋扫描后存入手机作为预留凭证，或者将拍摄的特定 照片作为预留凭证，或者户主画的画作为预留凭证，或者是户主的签名作为预留凭 证，或者是手机录制的一段语音作为预留凭证，通过手机发送到银行的确认模块中 进行相应图像识别、 语音识别作为鉴定户主身份的预留凭证。
上述方法中， 所述的预留凭证与确认模块可以有以下对应的方式：
所述的预留凭证是由数字及英文字母組成的密码， 所述的确认模块是数字或 字母密码鉴别装置；
所述的预留凭证是户主录制的特定语音或音乐， 所述的确认模块是电话录音 装置或者音频识别装置；
所述的预留凭证是户主的手机号码或手机电子串号， 所述的确认模块是户主 电子特征识别装置；
所述的预留凭证是户主的指紋， 所述的确认模块是指紋识别装置；
所述的预留凭证是户主的签名或者印章， 所述的确认模块是笔迹鉴别装置； 所述的预留凭证是户主指定的图像， 所述的确认模块是图像识别装置。
上述方法中 ,所述的确认模块接收户主手机发来的特定文字短信或图像短信或 语音短信， 与确认模块中存储的预留凭证进行比较与鉴别。 本发明所述的通过手机短信确认方式办理银行转帐的方法也可以参照图 3: 首先， 户主在某银行开设信用卡帐户， 该帐户绑定户主的手机， 即步骤 201。 然后， 户主与银行之间约定预留凭证， 存储于确认模块， 即步骤 202。
当有人在宾馆、酒店或商场等消费场所用上迷信用卡进行消费结帐时，收银员 刷卡后，刷卡转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请 求信息， 即步骤 203。 短信收发模块接收并解析来自刷卡转帐操作终端的转帐请求 信息， 编码并发送短信到所述银行帐户绑定的户主手机， 即步驟 204 , 短信内容为 银行 户、要转出的资金额度、 资金接受帐户或单位等相关信息。银行人工确认模 块自动检测是否接到户主的确认电话， 即步驟 205; 如果接到户主来电， 进行户主 身份确认， 即步骤 206 ; 否则， 反馈到转帐操作终端， 即步骤 207 , 转帐操作结束。 如果确认户主身份，银行人工确认模块按户主的指示向银行转帐业务处理模块发送 转帐处理指令， 即步骤 208; 否则， 反馈到转帐操作终端， 即步骤 209， 转帐操作 结束。银行转帐业务处理模块通过专用网络接收并处理 4艮行人工确认模块发来的转 帐处理指令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端， 即步骤 210 , 转帐操作结束， 打印交易单据。
在步驟 210转帐成功后， 可增加通知户主的步骤， 即步驟 211 , 刷卡转帐操作 终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再编码并 发送短信到所述银行帐户绑定的户主手机。 实施例二： 个人存款帐户转出资金
本实施例中，所述的转帐操作终端是银行业务拒台的刷卡转帐操作终端； 所述 的短信收发模块是装有发送接收短信的芯片或软件的手机或者电话机，或者能通过 互联网发送手机短信的计算机， 或者专门制造的发送接收短信的设备。
本实施例中， 刷卡转帐操作终端与所述短信收发模块及所述确认模块之间是 通过专用网络实现相互连接的； 或者是将刷卡转帐操作终端与所述短信收发模块 及所述确认模块组合为一个设备， 它们之间是通过内部接口实现相互连接的。
本发明所述的通过手机短信确认方式办理银行转帐的方法参照图 2:
首先， 户主在某银行开设信用卡帐户， 该帐户绑定户主的手机， 即步驟 101。 然后， 户主与银行之间约定预留凭证， 存储于确认模块， 即步骤 102。
当有人持存折、储蓄卡或者信用卡在银行转出资金时， 银行职员刷卡后， 刷卡 转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求信息，即步 骤 103。 短信收发模块接收并解析来自刷卡转帐操作终端的转帐渚求信息， 编码并 发送短信到所迷银行帐户绑定的户主手机， 即步骤 104 , 短信内容为银行帐户、 要 转出的资金额度、 资金接受怅户或单位等相关信息。短信收发模块自动检测是否收 到户主手机发送的确认短信， 即步骤 105。 如果收到确认短信， 短信收发模块通过 专用网络或者公共网络将该信息发送到银行服务器端， 即步骤 106; 否则， 短信收 发模块反馈到刷卡转帐操作终端， 即步骤 107 , 转帐操作结束。 银行服务器端接收 并转发户主的确认短信到确认模块， 该短信包含户主身份验证信息及转帐确认信 息， 即步骤 108。 确认模块将户主身份验证信息与预留凭证进行比较和鉴别， 即步 骤 109; 如果确认户主身份， 确认模块按户主的指示向所述银行转帐业务处理模块 发送转帐处理指令， 包括转出资金或者拒绝转出资金的指令， 即步骤 110; 否则， 确认模块反馈到刷卡转帐操作终端， 即步骤 111 , 转怅操作结束。 银行转帐业务处 理模块通过专用网络接收并处理确认模块发来的转帐处理指令，再将转帐处理结果 通过银行服务器端反馈到转帐操作终端， 即步骤 112， 转帐操作结束， 打印交易单 据。
在步骤 112转帐成功后， 可增加通知户主的步骤， 即步骤 113 , 刷卡转帐操作 终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再编码并 发送短信到所述艮行帐户绑定的户主手机。
上述方法中， 所述的预留凭证，是户主与银行之间预先约定的与户主身份有关 的个性化信息，如将户主的指紋扫描后存入手机作为预留凭证，或者将拍摄的特定 照片作为预留凭证，或者户主画的画作为预留凭证，或者是户主的签名作为预留凭 证，或者是手机录制的一段语音作为预留凭证，通过手机发送到银行的确认模块中 进行相应图像识别、 语音识别作为鉴定户主身份的预留凭证。
上述方法中， 所述的预留凭证与确认模块可以有以下对应的方式：
所述的预留凭证是由数字及英文字母组成的密码， 所述的确认模块是数字或 字母密码鉴别装置；
所述的预留凭证是户主录制的特定语音或音乐， 所述的确认模块是电话录音 装置或者音频识別装置；
所述的预留凭证是户主的手机号码或手机电子串号， 所述的确认模块是户主 电子特征识别装置；
所述的预留凭证是户主的指纹， 所述的确认模块是指纹识别装置；
所述的预留凭证是户主的签名或者印章， 所述的确认模块是笔迹鉴别装置； 所述的预留凭证是户主指定的图像， 所述的确认模块是图像识别装置。
上述方法中，所述的确认模块接收户主手机发来的特定文字短信或图像短信或 语音短信， 与确认模块中存储的预留凭证进行比较与鉴别。 本发明所述的通过手机短信确认方式办理银行转帐的方法也可以参照图 3: 首先， 户主在某银行开设信用卡帐户， 该帐户绑定户主的手机， 即步骤 201。 然后， 户主与银行之间约定预留凭证， 存储于确认模块， 即步骤 202。
当有人持存折、储蓄卡或者信用卡在银行转出资金时，银行职员刷卡后，刷卡 转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求信息，即步 骤 203。 短信收发模块接收并解析来自刷卡转帐操作终端的转帐请求信息， 编码并 发送短信到所述银行帐户绑定的户主手机， 即步骤 204, 短信内容为银行帐户、 要 转出的资金额度、资金接受帐户或单位等相关信息。银行人工确认模块自动检测是 否接到户主的确认电话， 即步 205; 如果接到户主来电， 进行户主身份确认， 即 步骤 206; 否则， 反馈到转帐操作终端， 即步骤 207, 转帐操作结束。 如果确认户 主身份，银行人工确认模块按户主的指示向银行转帐业务处理模块发送转帐处理指 令， 即步骤 208; 否则， 反馈到转帐操作终端， 即步骤 209 , 转帐操作结束。 银行 转帐业务处理模块通过专用网络接收并处理银行人工确认模块发来的转帐处理指 令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端， 即步骤 210， 转帐 操作结束， 打印交易单据。 在步骤 210转帐成功后， 可增加通知户主的步骤， 即步骤 211 , 刷卡转帐操作 终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再编码并 发送短信到所述 4艮行帐户绑定的户主手机。 实施例三： 企业帐户转出资金
本实施例中， 所述的转帐操作终端是银行业务柜台的人工转帐操作终端； 所迷 的短信收发模块是装有发送接收短信的芯片或软件的手机或者电话机，或者能通过 互联网发送手机短信的计算机， 或者专门制造的发送接收短信的设备。
本实施例中， 人工转帐操作终端与所述短信收发模块及所述确认模块之间是 通过专用网络实现相互连接的； 或者是将刷卡转帐操作终端与所述短信收发模块 及所述确认模块组合为一个设备， 它们之间是通过内部接口实现相互连接的。
本发明所述的通过手机短信确认方式办理银行转帐的方法参照图 2： 首先，企业在某银行开设信用卡帐户 ,该帐户绑定该企业的法定代表人的手机 , 即步 ¾ 101。
然后， 企业的法定代表人与银行之间约定预留凭证， 存储于确认模块， 即步骤
102。
当有人持该企业的支票或汇票在银行转出资金时，银行职员在确认支票或汇票 的印 与该企业在银行预留印鉴相同后，再将该企业的银行帐户输入人工转帐操作 终端。人工转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求 信息， 即步骤 103。 短信收发模块接收并解析来自人工转帐操作终端的转帐请求信 息， 编码并发送短信到所述企业 4艮行帐户绑定的法定代表人的手机， 即步骤 104 , 短信内容为银行帐户、要转出的资金额度、 资金接受帐户或单位等相关信息。短信 收发模块自动检测是否收到法定代表人手机发送的确认短信， 即步骤 105。 如果收 到确认短信，短信》| 模块通过专用网络或者公共网络将该信息发送到银行服务器 端， 即步骤 106; 否则， 短信收发模块反馈到人工转帐操作终端， 即步驟 107 , 转 帐操作结束。银行服务器端接收并转发户主的确认短信到确认模块，该短信包含法 定代表人身份验证信息及转帐确认信息， 即步骤 108。 确认模块将法定代表人身份 验证信息与预留凭证进行比较和鉴别， 即步骤 109; 如果确认法定代表人身份， 确 认模块按户主的指示向所述银行转帐业务处理模块发送转帐处理指令，包括转出资 金或者拒绝转出资金的指令， 即步骤 110; 否则， 确认模块反馈到人工转帐操作终 端， 即步骤 111， 转帐操作结束。 银行转帐业务处理模块通过专用网络接收并处理 确认模块发来的转帐处理指令，再将转帐处理结果通过银行服务器端反馈到转帐操 作终端， 即步骤 112 , 转帐操作结束， 打印交易单据。
在步驟 112转帐成功后， 可增加通知法定代表人的步骤， 即步骤 113 , 人工转 帐操作终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再 编码并发送短信到所述银行帐户绑定的法定代表人手机。
上述方法中， 所述的预留凭证，是户主与银行之间预先约定的与户主身份有关 的个性化信息，如将户主的指紋扫描后存入手机作为预留凭证，或者将拍摄的特定 照片作为预留凭证， 或者户主画的画作为预留凭证，或者是户主的签名作为预留凭 证，或者是手机录制的一段语音作为预留凭证，通过手机发送到银行的确认模块中 进行相应图像识別、 语音识别作为鉴定户主身份的预留凭证。
上述方法中， 所述的预留凭证与确认模块可以有以下对应的方式:
所述的预留凭证是由数字及英文字母组成的密码， 所述的确认模块是数字或 字母密码婆別装置；
所述的预留凭证是户主录制的特定语音或音乐， 所述的确认模块是电话录音 装置或者音频识别装置；
所述的预留凭证是户主的手机号码或手机电子串号， 所述的确认模块是户主 电子特征识别装置；
所述的预留凭证是户主的指紋， 所述的确认模块是指纹识别装置；
所述的预留凭证是户主的签名或者印章， 所述的确认模块是笔迹鉴别装置； 所述的预留凭证是户主指定的图像， 所述的确认模块是图像识别装置。
上述方法中，所述的确认模块接收户主手机发来的特定文字短信或图像短信或 语音短信， 与确认模块中存储的预留凭证进行比较与鉴別。 本发明所迷的通过手机短信确认方式办理银行转帐的方法也可以参照图 3: 首先，企业在某银行开设信用卡帐户 ,该帐户绑定该企业的法定代表人的手机 , 即步秫 201。
然后， 企业的法定代表人与银行之间约定预留凭证， 存储于确认模块， 即步驟
202。
当有人持该企业的支票或汇票在银行转出资金时，银行职员在确认支票或汇票 的印鉴与该企业在艮行预留印鉴相同后，再将该企业的银行帐户输入人工转帐操作 终端。人工转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求 信息， 即步骤 203。 短信收发模块接收并解析来自人工转帐操作终端的转帐请求信 息， 编码并发送短信到所述银行帐户绑定的法定代表人手机， 即步骤 204 , 短信内 容为银行帐户、要转出的资金额度、 资金接受帐户或单位等相关信息。银行人工确 认模块自动检测是否接到法定代表人的确认电话， 即步骤 205； 如果接到法定代表 人来电， 进行法定代表人身份确认， 即步骤 206; 否则， 反馈到转帐操作终端， 即 步驟 207, 转帐操作结束。 如果确认法定代表人身份， 银行人工确认模块按户主的 指示向银行转帐业务处理模块发送转帐处理指令， 即步驟 208; 否则， 反馈到转帐 操作终端， 即步驟 209 , 转帐操作结束。 银行转帐业务处理模块通过专用网络接收 并处理银行人工确认模块发来的转帐处理指令，再将转帐处理结果通过银行服务器 端反馈到转帐操作终端， 即步骤 210, 转帐操作结束， 打印交易单据。
在步骤 210转帐成功后， 可增加通知法定代表人的步骤， 即步骤 211 , 人工转 帐操作终端转发来自银行服务器端的转帐处理结果信息到所述的短信收发模块，再 编码并发送短信到所述银行帐户绑定的法定代表人手机。

Claims

权利要求
1、 通过手机短信确认方式办理银行转帐的系统， 其特征在于： 包括银行服务 器端， 确认模块， 艮行转帐业务处理模块， 转帐操作终端， 短信收发模块；
所述的银行服务器端存储有银行帐户， 该帐户是户主在银行开设的资金帐户， 该帐户绑定户主的手机； 所述银行服务器端通过专用网络与确认模块以及银行转 帐业务处理模块连接；
所述的确认模块， 存储有户主的预留凭证， 接收并解析由所述银行服务器端 转发的来自户主手机的转帐确认信息 , 将该信息与预留凭证进行比较和鉴別， 确 认户主身份， 并按户主的指示向所述银行转帐业务处理模块发送转帐处理指令； 所述的预留凭证， 是户主与银行之间预先约定的与户主身份有关的个性化信息； 所述的银行转帐业务处理模块， 接收并处理由所述确认模块发来的转帐处理 指令， 再将转帐处理结果通过银行服务器端反馈到所述转帐操作终端；
所述的转帐操作终端， 通过公共网络或者专用网络与所述银行服务器端连接， 接收来自银行服务器端的转帐处理结果信息； 所述的转帐操作终端与短信收发模 块相互连接， 向短信收发模块发送转帐请求信息；
所述的短信收发模块， 是用于发送和接收短信的设备， 通过公共网络或者专用 网络与所述 4艮行服务器端连接； 所述的短信收发模块， 接收并解析来自所述转帐操 作终端的转帐请求信息， 编码并发送短信到所述银行帐户绑定的户主手机， 自动检 测并接收来自户主手机的确认短信， 再转发到所述的银行服务器端。
2、 根据权利要求 1所述的通过手机短信确认方式办理银行转帐的系统， 其特 征在于： 所述转帐操作终端转发来 ij银行服务器端的转帐处理结果信息到所述的 短信收发模块， 再编码并发送短信到所述银行帐户绑定的户主手机。
3、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的 亍帐户是个人信用卡帐户， 或者个人存款帐户， 或者企业 帐户， 或者同业存款帐户， 或者 ¾家金库帐户。
4、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统 , 其特征在于： 所述的短信选自文字短信、 语音短信、 图像短信的一种或者一种以 上的组合。
5、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的转帐操作终端是消费场所的刷卡转帐操作终端， 或者是银行 业务拒台的刷卡转帐操作终端， 或者是银行业务拒台的人工转帐操作终端。
6、 根据权利要求 1或 1所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的转帐操作终端与短信收发模块是通过专用网络相互连接的。
7、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的转帐操作终端与短信收发模块組合为一个设备， 它们之间是 通过内部接口实现相互连接的。
8、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所迷的短信收发模块是装有发送接收短信的芯片或软件的手机或者 电话机， 或者能通过互联网发送手机短信的计算机， 或者专门制造的发送接收短 信的设备。
9、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的预留凭证是由数字及英文字母组成的密码， 所述的确认模块 是数字或字母密码鉴别装置。
10、 根据权利要求 1或 2所迷的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的预留凭证是户主录制的特定语音或音乐， 所述的确认模块是 电话录音装置或者音频识別装置。
11、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所迷的预留凭证是户主的手机号码或手机电子串号， 所述的确认模 块是户主电子特征识别装置。
12、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的预留凭证是户主的指纹， 所述的确认模块是指紋识别装置。
13、 根据权利要求 1或 2所述的通过手机短信确认方式办理银行转帐的系统， 其特征在于： 所述的预留凭证是户主的签名或者印章， 所述的确认模块是笔迹鉴 别装置。
14、 根据权利要求 1或 2所迷的通过手机短信确认方式办理 4艮行转帐的系统， 其特征在于： 所述的预留凭证是户主指定的图像， 所述的确认模块是图像识別装 置。
15、 根据权利要求 1或 2所述的通过手机短信确认方式办理艮行转帐的系统， 其特征在于： 所述的确认模块是银行人工确认模块。
16、 一种通过手机短信确认方式办理银行转帐的方法， 其特征在于， 包括以 下步骤：
( a )户主在银行开设 4艮行帐户， 该帐户绑定户主的手机；
( b )户主与银行之间约定预留凭证， 存储于确认模块；
( C )转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求 信息；
( d )短信收发模块接收并解析来自所述转帐操作终端的转帐请求信息 , 编码 并发送短信到银行帐户绑定的户主手机；
( e )短信收发模块自动检测是否收到户主手机发送的确认短信； 如果收到确 认短信， 短信收发模块通过专用网络或者公共网絡将该信息发送到银行服务器端； 否则， 短信收发模块反馈到转帐操作终端， 转帐操作结束；
( f )银行服务器端接收并转发户主的确认短信到确认模块， 该短信包含户主 身份验证信息及转帐确认信息；
( g )确认模块将户主身份验证信息与预留凭证进行比较和鉴别； 如果确认户 主身份， 确认模块按户主的指示向所述银行转帐业务处理模块发送转帐处理指令； 否则， 确认模块通过银行服务器端反馈到转帐操作终端， 转帐操作结束；
( h ) 4艮行转帐业务处理模块通过专用网络接收并处理确认模块发来的转帐处 理指令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端。
17、 根据权利要求 16所述的通过手机短信确认方式办理银行转帐的方法， 其 特征在于： 在步驟 h后， 所述转帐操作终端转发来自银行服务器端的转帐处理结 果信息到所述的短信收发模块， 再编码并发送短信到所述银行帐户绑定的户主手 机。
18、 根据权利要求 16或 17所述的通过手机短信确认方式办理银行转帐的方 法， 其特征在于： 在步骤 e中， 所述短信收发模块预先设定一个自动检测的参数， 包括检测次数、 每次的间隔时间。
19、 一种通过手机短信确认方式办理银行转帐的方法， 其特征在于， 包括以 下步骤：
( a )户主在银行开设银行帐户 , 该帐户绑定户主的手机；
( b )户主与银行之间约定预留凭证， 存储于确认模块；
( c )转帐操作终端通过专用网络或者内部接口向短信收发模块发送转帐请求 信息；
( d )短信收发模块接收并解析来自所述转帐操作终端的转帐请求信息， 编码 并发送短信到银行帐户绑定的户主手机；
( e )银行人工确认模块自动检测是否接到户主的确认电话； 如果接到户主来 电， 进行户主身份确认； 否则， 反馈到转帐操作终端， 转帐操作结束；
( f )如果确认户主身份， 银行人工确认模块按户主的指示向银行转帐业务处 理模块发送转帐处理指令； 否则， 通过银行服务器端反馈到转帐操作终端， 转帐 操作结束；
( g )银行转帐业务处理模块通过专用网络接收并处理艮行人工确认模块发来 的转帐处理指令， 再将转帐处理结果通过银行服务器端反馈到转帐操作终端。
20、 据权利要求 19所述的通过手机短信确认方式办理银行转帐的方法， 其 特征在于： 在步骤 g后， 所述转帐操作终端转发来自银行服务器端的转帐处理结 果信息到所述的短信收发模块， 再编码并发送短信到所述银行帐户绑定的户主手 机。
21、 根据权利要求 19或 20所述的通过手机短信确认方式办理银行转帐的方 法， 其特征在于： 在步骤 e 中， 银行人工确认模块预先设定一个自动检测的参数, 包括检测次数、 每次的间隔时间。
PCT/CN2005/001312 2004-08-25 2005-08-22 Systeme effectuant des transferts de fonds en utilisant un mode de confirmation de messages courts par telephone portable et procede correspondant WO2006021144A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2007528561A JP2008511062A (ja) 2004-08-25 2005-08-22 携帯電話のメッセージの確認によって銀行振替を実現するシステムと方法
US11/661,044 US20070244813A1 (en) 2004-08-25 2005-08-22 System That Realizes Fund Transfer by Mobile Telephone Short Message Confirming Mode and Method Thereof

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200410051218.6 2004-08-25
CNA2004100512186A CN1588383A (zh) 2004-08-25 2004-08-25 银行转帐手机短信确认系统

Publications (1)

Publication Number Publication Date
WO2006021144A1 true WO2006021144A1 (fr) 2006-03-02

Family

ID=34602400

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2005/001312 WO2006021144A1 (fr) 2004-08-25 2005-08-22 Systeme effectuant des transferts de fonds en utilisant un mode de confirmation de messages courts par telephone portable et procede correspondant

Country Status (4)

Country Link
US (1) US20070244813A1 (zh)
JP (1) JP2008511062A (zh)
CN (1) CN1588383A (zh)
WO (1) WO2006021144A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111199436A (zh) * 2019-12-31 2020-05-26 航天信息股份有限公司 一种基于移动支付的扫码开票方法及系统
CN111242563A (zh) * 2019-12-31 2020-06-05 航天信息股份有限公司 一种用于对票据数据进行处理的方法及系统

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101042764A (zh) * 2006-03-22 2007-09-26 王世勇 电子业务确认系统及其实现方法
CN101184096B (zh) * 2007-12-07 2010-08-11 北京飞天诚信科技有限公司 一种提高智能密钥装置安全性的系统及方法
GB2459850A (en) * 2008-05-07 2009-11-11 Keith Hall Using a mobile phone for fraud prevention in credit card transactions
US20110270744A1 (en) * 2010-04-30 2011-11-03 Ginger Baker Mobile tangible value banking system
US20140297435A1 (en) * 2013-03-28 2014-10-02 Hoiling Angel WONG Bank card secured payment system and method using real-time communication technology
CN103679455A (zh) * 2013-12-10 2014-03-26 阮桂芳 一种网络安全交易方法
US10176542B2 (en) * 2014-03-24 2019-01-08 Mastercard International Incorporated Systems and methods for identity validation and verification
EP3139329A1 (en) * 2015-09-03 2017-03-08 Mobile Elements Corp Contactless mobile payment system
CN110443615B (zh) * 2019-08-13 2021-10-22 中国联合网络通信集团有限公司 基于区块链的账户管理方法和系统
CN111866770A (zh) * 2020-07-21 2020-10-30 上海聚均科技有限公司 一种基于短信的资金监控方法

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1296362A (zh) * 1999-11-16 2001-05-23 黄金富 互联网上加手机声响保障钱款支付安全方法和相应系统
CN1491020A (zh) * 2002-10-18 2004-04-21 黄金富 采用不同导入代码的电话银行系统及其使用信息的方法
JP2004306517A (ja) * 2003-04-09 2004-11-04 Sekisui House Ltd 高齢者・身体障害者住宅の設計支援シート及び設計方法

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7152045B2 (en) * 1994-11-28 2006-12-19 Indivos Corporation Tokenless identification system for authorization of electronic transactions and electronic transmissions
US20020029193A1 (en) * 2000-09-01 2002-03-07 Infospace, Inc. Method and system for facilitating the transfer of funds utilizing a telephonic identifier
US7003497B2 (en) * 2001-05-23 2006-02-21 International Business Machines Corporation System and method for confirming electronic transactions
AU2002340138A1 (en) * 2001-10-09 2003-04-22 Joanna Sandorffy System and method for conducting a financial transaction using a communication device

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1296362A (zh) * 1999-11-16 2001-05-23 黄金富 互联网上加手机声响保障钱款支付安全方法和相应系统
CN1491020A (zh) * 2002-10-18 2004-04-21 黄金富 采用不同导入代码的电话银行系统及其使用信息的方法
JP2004306517A (ja) * 2003-04-09 2004-11-04 Sekisui House Ltd 高齢者・身体障害者住宅の設計支援シート及び設計方法

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111199436A (zh) * 2019-12-31 2020-05-26 航天信息股份有限公司 一种基于移动支付的扫码开票方法及系统
CN111242563A (zh) * 2019-12-31 2020-06-05 航天信息股份有限公司 一种用于对票据数据进行处理的方法及系统

Also Published As

Publication number Publication date
US20070244813A1 (en) 2007-10-18
JP2008511062A (ja) 2008-04-10
CN1588383A (zh) 2005-03-02

Similar Documents

Publication Publication Date Title
WO2006021144A1 (fr) Systeme effectuant des transferts de fonds en utilisant un mode de confirmation de messages courts par telephone portable et procede correspondant
CN101464981A (zh) 通过手机定位认证卡主身份的银行卡账户保安系统和方法
CN102201143B (zh) 一种基于短信平台即时交互的银行卡交易系统及方法
CN104715371A (zh) 一种采用声纹鉴别身份的安全支付方法和相应系统
US20130054469A1 (en) Computer implemented multi-level transaction authorization banking support system and method thereof
KR20100138887A (ko) Ｓｉｍ 칩 은행 시스템 및 방법
CN104992324A (zh) 一种自助设备业务处理方法及其系统
CN101964090A (zh) 采用双卡分别认证身份和支付金额的银联支付系统和方法
CN103164911A (zh) 一种刷卡支付系统和方法
CN101140672A (zh) 一种对银行卡持卡者真实身份识别方法
CN101393665B (zh) 一种信用卡解锁方法及装置
JP2008287687A (ja) 携帯電話を用いた認証システム
JP5758154B2 (ja) 出金許諾システム
CN101964125A (zh) 采用双通讯路径认证的手机支付系统和相应方法
JP2002109436A (ja) カード認証方法、カード認証装置及びカード認証プログラムを記録した記録媒体
CN1987939A (zh) 手机确认方式以便在银行特约商户提取现金的方法及系统
CN102013140A (zh) 收款业务的身份认证方法、服务器、终端及系统
CN204215492U (zh) 一种预录入账户银行卡及其信息录入器
CN102129742A (zh) 一种银行卡防盗用的方法
JP2007025907A (ja) 認証システム及び認証方法
KR20050010606A (ko) 서비스 등록정보의 도용방지방법 및 그 시스템
CN201084222Y (zh) 银行业务自动反馈安全确认装置
JP2008299560A (ja) 自動取引装置
CN103268676A (zh) 一种验证金融自助服务终端真伪的系统及方法
CN102129741A (zh) 一种银行卡防盗用的系统

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KM KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NG NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU LV MC NL PL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

WWE Wipo information: entry into national phase

Ref document number: 2007528561

Country of ref document: JP

WWE Wipo information: entry into national phase

Ref document number: 11661044

Country of ref document: US

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase
WWP Wipo information: published in national office

Ref document number: 11661044

Country of ref document: US