WO2007118428A1 - Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants - Google Patents

Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants Download PDF

Info

Publication number
WO2007118428A1
WO2007118428A1 PCT/CN2007/001234 CN2007001234W WO2007118428A1 WO 2007118428 A1 WO2007118428 A1 WO 2007118428A1 CN 2007001234 W CN2007001234 W CN 2007001234W WO 2007118428 A1 WO2007118428 A1 WO 2007118428A1
Authority
WO
WIPO (PCT)
Prior art keywords
secure
transfer
user
electronic
account
Prior art date
Application number
PCT/CN2007/001234
Other languages
English (en)
Chinese (zh)
Other versions
WO2007118428A8 (fr
Inventor
Wanchun Hou
Jinliang Li
Original Assignee
Wanchun Hou
Jinliang Li
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 Wanchun Hou, Jinliang Li filed Critical Wanchun Hou
Publication of WO2007118428A1 publication Critical patent/WO2007118428A1/fr
Publication of WO2007118428A8 publication Critical patent/WO2007118428A8/fr

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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

Definitions

  • the invention relates to the field of mobile communication technology and the field of finance, in particular to a secure and convenient secure and secret-free electronic money transfer service device through a command control of a mobile phone, a secure secretless electronic transfer card, and a mobile phone
  • a method of constructing a device for instructing to implement a secure and convenient electronic money transfer service a method for completing an electronic money transfer through a secure and confidential electronic transfer card, and a method for completing a settlement transfer through a secure, confidential electronic transfer card.
  • the secure secretless electronic debit card is a new concept proposed by the present invention and refers to an electronic debit card without a password.
  • the secure and confidential EFT card is different from the bank's general account.
  • the security of the secure secretless electronic debit card is that the secure, secretless electronic money transfer service device of the present invention only allows the mobile phone to initiate the bank card account and secure secure electronic debit card account corresponding to the mobile phone number in its database. The transfer between the banks; the bank's account management server only allows the secure, confidential electronic transfer service device of the present invention to transfer funds from the bank card account of the mobile phone number user.
  • the inventor believes that if the shortcomings in the above e-commerce payment activity are overcome, the mobile phone number is used as a control tool, and a secure, passwordless transfer platform based on the mobile communication network and the e-commerce service is established, and the mobile communication network and Based on computer Internet resources, it will provide mobile phone users with convenient, fast and secure e-commerce services. Especially in the case of mobile phone network and computer Internet network services becoming more and more popular, people's e-commerce needs are gradually emerging. Increasing trend. Therefore, meeting the convenience and security needs of people's e-commerce transfer is not only a scientific research subject faced by technicians, but also a service project that mobile network operators and financial fields need to provide as soon as possible.
  • the existing computer technology, network technology and mobile communication technology make the technical concept of the secure secretless electronic debit card proposed by the inventor for the first time possible, that is to say, to provide a secure and confidential electronic transfer card for the user.
  • the service's operating system provides technical support. Therefore, the concept that the inventor first proposed to provide a user with a secure secretless electronic debit card service has been established.
  • the present invention is directed to a defect or deficiency in the prior art, and provides a secure and convenient secure and secretless electronic money transfer service device through command control of a mobile phone, by which the secure and confidential electronic transfer can be issued and popularized.
  • Cards, users who use secure, confidential EFT cards can easily transfer e-commerce with the security of their bank accounts.
  • the present invention also provides a secure secretless electronic transfer card based on the mobile phone's transfer control by means of instructions, thereby effectively protecting the security of funds on the user's bank account, and greatly facilitating e-commerce activities such as user transfer and payment activities.
  • the invention also provides a method for constructing a secure, secretless electronic transfer service device.
  • the present invention also provides a method for completing an e-commerce transfer by means of a secure, confidential electronic transfer card.
  • the present invention also provides a method of completing a settlement transfer by a secure, confidential electronic transfer card.
  • the general technical idea of the present invention is to establish an electronic transfer device and issue a secure and confidential electronic transfer card, and the mobile phone user has its secure electronic accountless transfer card, mobile phone number and bank card in the electronic transfer device. Establish a comparison relationship, and make full use of the short message, voice dialing, data service and other functions of the mobile phone, so that the user sends a transfer instruction to the electronic transfer device through the mobile phone, and the electronic transfer device completes the secure and confidential electronic transfer through the UnionPay transaction interface server.
  • a secure, confidential electronic transfer service device characterized by: including mobile communication networks, telecommunications a mobile control gateway device interconnected by a business internal data network and a data internet network, wherein the mobile control gateway device connects the mobile phone terminal user through a mobile communication network operated by the telecommunication, and connects the short message center and the short message through the mobile operator internal data network.
  • Gateway and several virtual telecommunication service providers including: including mobile communication networks, telecommunications a mobile control gateway device interconnected by a business internal data network and a data internet network, wherein the mobile control gateway device connects the mobile phone terminal user through a mobile communication network operated by the telecommunication, and connects the short message center and the short message through the mobile operator internal data network.
  • SP service interface server connecting Internet computer users through data internet network; secure interconnection with UnionPay account interface server, ATM or POS of several banks, settlement interface server of several settlement companies and/or several e-commerce interface servers
  • the secret electronic debit card communication device the secure non-secure electronic debit card communication device has a management security secretless electronic debit card account, handles the transfer service of the secure non-secure electronic debit card account, handles the bank account and the secure non-secure electronic debit card account a transfer operation between the transfer service and the secure and confidential EFT card account, and connected to the mobile phone terminal through the mobile control gateway device, receiving an account operation instruction sent by the user via the mobile phone, and The operation result is returned to the mobile control gateway device, and the mobile control gateway device returns the operation execution result to the mobile phone user.
  • a secure and confidential electronic transfer card comprising: an account number and a smart card, a radio frequency card or a magnetic card associated with the account, or a combination thereof, and establishing a corresponding relationship in the database of the electronic transfer device a mobile phone number, a secure secretless electronic transfer account, and a bank account number;
  • the secure secretless electronic debit card can be used to control the secure non-secure electronic debit card to pay various settlement fees through the mobile phone;
  • the mobile phone number and a bank account number for controlling the current balance and status on the secure non-secure electronic debit card;
  • the electronic money transfer device passes the UnionPay Transaction interface server, transferring the corresponding amount of funds on the bank card account to the secure non-secure electronic debit card account, and notifying the mobile phone by short message; when the user sends the balance inquiry through the phone carrying the mobile phone number Or after reporting a loss to the electronic transfer device,
  • the electronic transfer device sends the execution result to the mobile phone as a short
  • the method for opening an account of the secure and confidential electronic transfer card is characterized in that: firstly, a secure and confidential electronic transfer service device is built on the UnionPay transaction network; a menu of "secure and confidential electronic transfer card opening account" is added to the UnionPay POS machine. And related procedures; mobile phone users on the UnionPay POS machine, choose "A After the service is closed, the POS machine prompts the user to swipe the bank card. After the user swipes the bank card, the POS machine prompts the user to enter the password. After the user enters the password, the POS machine prompts the user to input his mobile phone number, and the user inputs the mobile phone number.
  • the POS machine After the phone number, the POS machine sends the bank card account balance inquiry command swiped by the user to the account management server of the bank to which the user's bank card belongs through the UnionPay transaction interface server; if the bank's account management server returns to the UnionPay transaction interface server
  • the balance inquiry success message the UnionPay transaction interface server sends a mobile phone number verification command to the secure, secretless electronic money transfer service device, and the secure, secretless electronic money transfer service device sends a status command to query the mobile phone to the mobile phone
  • the transfer service device establishes a correspondence between the user's mobile phone and the user's bank card in the database, and sends a verification success message of the mobile phone to the UnionPay transaction interface server, and the Union
  • the UnionPay transaction interface server sends a balance inquiry command of the secure secretless electronic money transfer card to the secure, secretless electronic money transfer service device, and the secure, secretless electronic money transfer service device establishes the user in the database After the correspondence between the mobile phone number and its secure non-secure electronic transfer card, the short message of the successful account opening content is sent to the mobile phone user through the telecommunication operator mobile communication network, and the balance inquiry succeeds through the UnionPay transaction interface server. Message to
  • the POS machine After receiving the message, the POS machine prompts the user to open the account successfully.
  • the method for constructing a secure and confidential electronic transfer service device includes: constructing a secure and confidential electronic transfer card communication device, a mobile control gateway device, and providing a settlement interface server of each settlement company and an electronic commerce provided through review
  • the merchant's e-commerce interface server is connected to the secure secretless electronic debit card communication device through the data network;
  • the mobile control gateway device is responsible for receiving an operation instruction of the mobile phone user through the mobile phone to the secure secretless electronic debit card account, and
  • the class instruction is sent to the secure secretless electronic debit card communication device, receives the command operation result sent by the secure secretless electronic debit card communication device, and performs voice, short message and/or data mode interaction with the mobile phone user;
  • the account control method means that after the user sends an instruction through the mobile phone, the secure and confidential electronic transfer service device transfers the funds on the bank account to the secure non-secure electronic debit card account, or secures it.
  • the funds on the full confidential EFT card account are transferred to the account of their bank and are only allowed to be initiated by the mobile phone and between the bank card account and the secure EDT account in the database corresponding to the mobile phone number Transfer of the bank; the account management server of the bank only allows the secure, secretless electronic transfer service device to transfer funds from the bank card account of the mobile phone number user; when the secure and confidential electronic transfer card user sends a transfer control command via the mobile phone After the secure and non-closed electronic money transfer service device, the secure and confidential electronic transfer service device prompts the user to confirm, and then the transfer operation can be performed. After the transfer is completed, the mobile phone receives a short message prompt for successful transfer.
  • the method for completing e-commerce transfer by using a secure and confidential electronic transfer card comprising the following steps: when a user makes a payment through an e-commerce service interface of an e-commerce provider, the e-commerce service interface of the e-commerce provider prompts the user to input security without Secret electronic transfer card number, and generate verification code and transfer amount message, sent to the secure non-secure electronic debit card communication device via the e-commerce provider's e-commerce interface server, and the secure and confidential electronic debit card communication device checks the security Whether the confidential electronic debit card has sufficient transfer funds, if there is not enough transfer funds, the secure non-secure electronic debit card communication device sends the prompt information of the unsuccessful transfer to the e-commerce interface server of the e-commerce provider, the e-commerce interface The server displays the returned message to the user through the e-commerce service interface described above, and ends the e-commerce transfer process; if there is sufficient transfer funds, the secure non-secure electronic debit card communication device forms a temporary password short message and passes the mobile control network The device send
  • the e-mail provider's interface server forms a transfer content message and sends the message to the secure non-secure electronic debit card communication device.
  • the debit card communication device verifies the temporary password.
  • the secure non-secure electronic debit card communication device transfers the funds on the secure non-secure electronic debit card account to the e-commerce provider's bank account, and transfers the transfer operation.
  • the result is replied to the e-commerce interface server of the e-commerce provider, the e-commerce interface server displays the returned message to the user through the e-commerce service interface, and completes other processes of the e-commerce; the temporary password is Each They are all different and random.
  • a method for completing settlement transfer by a secure secretless electronic debit card comprising the steps of: the user sends a transfer command to the mobile control gateway device, the mobile control gateway device and the user through the mobile phone
  • the mobile control gateway device sends a settlement transfer request command to the secure non-secure electronic debit card communication device
  • the secure non-secure electronic debit card communication device sets its mobile phone according to the user's agreement.
  • the funds in the corresponding bank card or secure secret electronic transfer card are transferred to the bank account of the settlement company, and an order is sent to indicate the amount paid by the settlement interface server of the settlement company, and the return is received by the settlement interface server.
  • the secure secret-free electronic debit card communication device transmits the result of the transfer operation to the user through the short message through the mobile control gateway device.
  • the secure non-secure electronic debit card is different from the bank's general account. It is characterized by a secure and confidential EFT card account that is user-oriented for various payment accounts. Users can have a lot of accounts in the bank, but when using external payment, only use security.
  • the confidential electronic transfer card account is transferred by the user, and the user sends an instruction through the mobile phone to the secure, confidential electronic transfer service device of the present invention.
  • the secure, confidential electronic transfer service device of the present invention follows the instructions sent by the user through the mobile phone.
  • the safe and unsecured electronic debit card business will promote the security and benefits of users' funds while facilitating users, and will promote the further development of e-commerce.
  • FIG. 1 is a schematic diagram of a network structure to which the present invention is applied. '
  • the secure, secret-free electronic transfer service device, the network structure applied is as shown in FIG. 1, and its structure is composed of the following parts: including the invention respectively interconnected with the mobile communication network, the internal data network of the telecommunication operator and the data internet network.
  • the mobile control gateway device, the mobile control gateway device of the present invention connects to the mobile phone terminal user through the mobile communication network operated by the telecommunication, and connects the short message center, the short message gateway and several telecommunication service providers, ie SP, through the mobile operator internal data network.
  • the secure secretless electronic debit card communication device of the present invention is interconnected by the ATM or POS and the settlement interface server of several settlement companies and several e-commerce interface servers, and the secure non-secure electronic debit card communication device of the present invention has management security
  • Secure non-secure electronic debit card communication equipment refers to the management of secure non-secure electronic debit card accounts, the management of secure and confidential EFT account account transfer business, the implementation of bank accounts and security without confidential electronic Transfer operations between debit card accounts, saving and managing transfer records for secure confidential EFT account accounts, and more.
  • Mobile control gateway device refers to receiving a transfer request from a mobile phone user, a telecommunication service provider (SP), an e-commerce provider, etc., interacting with the mobile phone user through a short message, voice, data, etc., and confirming the transfer service, and transmitting the relevant
  • the transfer request command of the secure non-secure electronic debit card account to the secure non-secure electronic debit card communication device receiving the return result of the transfer operation replied by the secure secretless electronic debit card communication device, and the result of the transfer operation for the secure non-secure electronic debit card account
  • a short message is formed and sent to its corresponding mobile phone number user, and the result of the transfer operation is sent to the requester who initiated the transfer, and the like.
  • the settlement company refers to a company such as a telecommunications carrier, a power supply, a water supply, a gas supply, a cable television, and the like.
  • the SP refers to a virtual telecommunication service provider. '
  • UnionPay Account Interface Server refers to the service equipment provided by UnionPay institutions to users of various online banks for account inquiry and/or transfer interface.
  • E-commerce interface server refers to the interface service device provided by each e-commerce provider for sales transfer of goods or services.
  • Settlement account interface server refers to the interface service device provided by each settlement company for the management, query, and/or transfer operation of the account of the settlement company.
  • SP interface server refers to the service interface server of each telecommunication service provider (SP).
  • Short message center refers to a device that is connected to a mobile communication network and receives short messages for mobile phones, stores short messages, and forwards short messages to destination addresses. Short message center through mobile operator internal network An interconnected short message gateway for handling short message communication between the mobile phone and the short message service SP. Short message gateway: refers to the device provided by the short message service SP for the SP to provide short message service and charging for the mobile phone user. The device is interconnected with the short message center through the internal network of the mobile operator.
  • Telecom operator mobile communication network refers to the network where telecom operators provide communication services for their mobile phone users.
  • Internal data network of a telecom operator refers to the data communication network between its communication devices built by telecom operators.
  • Data Internet Network A network that provides data communication between computers.
  • UnionPay data network refers to the data network formed to complete the data communication between the banking servers.
  • Mobile phone terminal refers to a mobile terminal that is registered on the mobile operator's mobile communication network.
  • Internet computer A computer that can log on to the data Internet.
  • the implementation of the present invention first requires data setting and construction of a new device in the above network, and the specific description is as follows: Construction of a secure and confidential electronic transfer card communication device, a mobile control gateway device, and a settlement interface of each settlement company that has passed the review
  • the server and the e-commerce interface server of the e-commerce provider are connected to the secure non-secure electronic debit card communication device through the data network;
  • the mobile control gateway device is responsible for receiving the operation of the mobile phone user through the mobile phone to the secure secretless electronic debit card account Directives, and sends the instructions to the secure non-secure electronic debit card communication device, receives the command operation result sent by the secure secretless electronic debit card communication device, and interacts with the mobile phone user in voice, short message, data, etc.
  • the account control method refers to, after the user sends an instruction through the mobile phone, the device of the present invention transfers the funds on the bank account to the secure non-secure electronic debit card account, or securely and electronically transfers the funds. Transfer funds from the card account to their silver On the account, and only allow the mobile phone to initiate the transfer between the bank card account corresponding to the mobile phone number and the secure secretless electronic debit card account in its database; the bank's account management server only allows the security of the invention
  • the secretless electronic transfer service device transfers funds from the bank card account of the mobile phone number user; when the secure confidential electronic transfer card user sends the transfer control command to the secure, confidential electronic transfer service device of the present invention through the mobile phone, After the safe and confidential electronic transfer service device of the present invention prompts the user to confirm, the transfer operation can be performed. After the transfer is completed, the mobile phone receives a short message prompt for successful transfer.
  • the account opening process of secure and confidential electronic debit card First, build a secure, non-secure network on UnionPay's trading network. Electronic transfer service device; UnionPay's POS machine adds a menu of "secure and confidential electronic transfer card opening" and related procedures; Mobile phone users on the UnionPay POS machine, after selecting the "secure secretless electronic transfer account opening" business, the POS machine prompts the user After the bank card is swiped, the POS machine prompts the user to enter the password. After the user enters the password, the POS machine prompts the user to input his mobile phone number. After the user inputs his mobile phone number, the POS machine sends the user through the UnionPay transaction interface server.
  • the swipe bank card account balance inquiry command is sent to the account management server of the bank to which the user's bank card belongs, and if the bank's account management server returns a balance inquiry success message to the UnionPay transaction interface server, the UnionPay transaction interface server sends the mobile phone number verification.
  • the secure, secretless electronic money transfer service device of the present invention sends a status command to query the mobile phone to the user profile server of the telecommunications carrier to which the mobile phone number user belongs, telecommunications Carrier's
  • the user profile server returns the status of the mobile phone number user to the secure, secretless electronic money transfer service device of the present invention.
  • the secure, secretless electronic money transfer service device of the present invention establishes the user in a database. Corresponding relationship between the mobile phone and the user's bank card, and sending a verification success message of the mobile phone to the UnionPay transaction interface server, the UnionPay transaction interface server returns a success message to the POS machine operation, and the POS machine prompts the teller to assign a book to the user.
  • the invention defines a secure and confidential electronic transfer card, and prompts the user to swipe the secure and confidential electronic transfer card. After the user swipes the card with the safe and confidential electronic transfer card assigned by the teller, the POS machine sends a balance inquiry query command to the UnionPay transaction interface server.
  • the UnionPay transaction interface server sends the balance inquiry command of the secure secretless electronic debit card to the secure, secretless electronic money transfer service device of the present invention, and the secure, secretless electronic money transfer service device of the present invention establishes the user's mobile phone in the database. Number and its secure secretless electronic debit card After the correspondence, the short message of the successful account opening content is sent to the mobile phone user through the telecommunication operator mobile communication network, and the balance inquiry success message is returned to the POS machine through the UnionPay transaction interface server, and the POS machine prompts the message after receiving the message. The user opened the account successfully.
  • the POS Point of Sales refers to a device that can accept information such as a magnetic stripe card, an IC card, etc., has a communication function, and accepts instructions from a teller to complete financial transaction information and related information exchange.
  • the method for completing the e-commerce transfer through the secure and confidential electronic transfer card means that when the user pays through the e-commerce service interface of the e-commerce provider, the e-commerce service interface of the e-commerce provider prompts the user to input the secure non-secure electronic transfer card number.
  • the secure non-secure electronic debit card communication device And generating a verification code and a transfer amount message, sent to the secure non-secure electronic debit card communication device via the e-commerce provider's e-commerce interface server, and the secure non-secure electronic debit card communication device checks whether the secure non-secure electronic debit card is sufficient Transfer funds if If there is not enough transfer funds, the secure secretless electronic debit card communication device sends the prompt information of the unsuccessful transfer to the e-commerce interface server of the e-commerce provider, and the e-commerce interface server passes the returned message through the e-commerce service interface described above.
  • the secure secret-free electronic debit card communication device forms a temporary password short message and sends it to the user via the short message gateway or SMS center through the mobile control gateway device
  • a message prompting the user to input a temporary password is sent to the e-commerce interface server of the e-commerce provider, and the e-commerce interface server prompts the user to input a temporary password through the e-commerce service interface, and the user inputs the mobile phone.
  • the message of the e-commerce provider's interface server forming the transfer content is sent to the secure secret-free electronic debit card communication device, and the secure secret-free electronic debit card communication device verifies the temporary password. After the verification is passed, the secure secretless electronic debit card communication device transfers the funds on the secure confidential electronic debit card account to the e-commerce provider's bank account, and returns the transfer operation result to the e-commerce provider's electronic
  • the e-commerce interface server displays the returned message to the user through the e-commerce service interface, and completes the e-commerce transfer process.
  • the method of completing the settlement transfer by the secure non-secure electronic transfer card means that the user sends a transfer command to the mobile control gateway device through the mobile phone, and the mobile control gateway device interacts with the user, and the user confirms the transfer amount and the settlement company after the transfer, and the mobile control
  • the gateway device sends a settlement transfer request command to the secure secretless electronic debit card communication device, and the secure non-secure electronic debit card communication device transfers the funds in the bank card or the secure non-secure electronic debit card corresponding to the mobile phone to the user according to the user's agreement.
  • the secure non-secure electronic debit card communication device After clearing the company's bank account number and indicating the settlement company's settlement interface server the amount paid by the user, transmits the result of the transfer operation to the user through the short message through the mobile control gateway device.

Landscapes

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

Abstract

Carte de transfert électronique fiable sans mot de passe, contrôlant sa transaction de transfert par un numéro de téléphone mobile. Ladite carte est différente d'un compte bancaire ordinaire, car son compte permet à l'utilisateur d'effectuer divers paiements, et l'utilisateur peut avoir plusieurs comptes bancaires, mais utiliser seulement le compte de la carte en question pour effectuer une transaction de transfert pour des paiements externes, et enfin l'utilisateur transmet des transactions via son téléphone mobile (13) à un dispositif de service de transfert électronique fiable sans mot de passe (5), lequel transfère les fonds depuis le compte bancaire vers le compte de la carte décrite, selon les instructions transmises par l'utilisateur via le téléphone mobile (13) et vice versa.
PCT/CN2007/001234 2006-04-14 2007-04-16 Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants WO2007118428A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CNA2006100116959A CN1835012A (zh) 2006-04-14 2006-04-14 安全、无密电子转帐服务装置及其转帐卡和方法
CN200610011695.9 2006-04-14

Publications (2)

Publication Number Publication Date
WO2007118428A1 true WO2007118428A1 (fr) 2007-10-25
WO2007118428A8 WO2007118428A8 (fr) 2007-12-21

Family

ID=37002739

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2007/001234 WO2007118428A1 (fr) 2006-04-14 2007-04-16 Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants

Country Status (2)

Country Link
CN (1) CN1835012A (fr)
WO (1) WO2007118428A1 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120323762A1 (en) * 2011-06-14 2012-12-20 Shashi Kapur System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer
CN103186857A (zh) * 2011-12-31 2013-07-03 中国银联股份有限公司 银行卡支付方法及系统

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001024122A1 (fr) * 1999-09-28 2001-04-05 Detemobil Deutsche Telekom Mobilnet Gmbh Procede de facturation de services internet par telephonie mobile
CN1652130A (zh) * 2005-02-25 2005-08-10 侯万春 一种基于移动电话号码的智能钱包及其实现的装置和方法
CN1658203A (zh) * 2004-02-22 2005-08-24 陈童 一种移动电子商务实现方法

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001024122A1 (fr) * 1999-09-28 2001-04-05 Detemobil Deutsche Telekom Mobilnet Gmbh Procede de facturation de services internet par telephonie mobile
CN1658203A (zh) * 2004-02-22 2005-08-24 陈童 一种移动电子商务实现方法
CN1652130A (zh) * 2005-02-25 2005-08-10 侯万春 一种基于移动电话号码的智能钱包及其实现的装置和方法

Also Published As

Publication number Publication date
CN1835012A (zh) 2006-09-20
WO2007118428A8 (fr) 2007-12-21

Similar Documents

Publication Publication Date Title
CA2838655C (fr) Systeme et procede pour l'execution d'operations financieres a l'aide d'un dispositif mobile
US7490062B2 (en) Method of payment by means of an electronic communication device
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
KR20040104660A (ko) 통신 운영자가 금융 거래 서비스를 제공할 수 있도록 하는시스템 및 상기 거래를 구현하는 방법
CN101093566A (zh) 一种安全的移动支付系统、设备及方法
WO2006066484A1 (fr) Systeme et procede de paiement
CZ20013012A3 (cs) Způsob placení po telefonu a systém umoľňující toto placení
CN101562659A (zh) 一种通过手机托收电视费用的方法和系统
CN100485727C (zh) 实现个人电子支票卡的系统和方法
US20100049655A1 (en) Method and system for securely executing a charge transaction
CN102610043A (zh) 一种具有虚拟刷卡功能的移动终端
CN101976403A (zh) 手机号支付平台、支付交易系统及方法
JP2001237989A (ja) 情報表示型携帯電話所有者に対する課金代行システム
WO2007118428A1 (fr) Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants
CN102270326A (zh) 基于智能网支付类增值业务的鉴权计费系统和方法
CN101515350A (zh) 一种通过移动电话实现安全支付的系统和方法
WO2005083600A1 (fr) Systeme de transactions bancaires mobile
JP2002197388A (ja) 決済方法、決済システムおよび携帯電話機
KR20010091827A (ko) 통신 단말 번호를 이용한 송금 시스템 및 송금 방법
KR20020089824A (ko) 무선단말기를 사용한 지로 요금 납부 장치 및 방법
KR101008934B1 (ko) 브이오아이피 단말을 통한 요금 납부 방법 및 시스템과이를 위한 브이오아이피 단말
KR101148662B1 (ko) 결제 정보 전달 방법과 그를 위한 시스템, 장치 및 금융 무인자동화기기
CN101110112A (zh) 通过商户账户附加识别码实现电子转账的系统和方法
AU2016259435A1 (en) A system and method for facilitating finacial transactions
KR20020093483A (ko) 무선 인터넷을 이용한 모바일 적금 시스템 및 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 07720807

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: COMMUNICATION UNDER RULE 112(1) EPC, EPO FORM 1205A DATED 04/05/09

122 Ep: pct application non-entry in european phase

Ref document number: 07720807

Country of ref document: EP

Kind code of ref document: A1