WO2008046333A1 - Système de banque tv, système constitutif respectif et procédé correspondant - Google Patents

Système de banque tv, système constitutif respectif et procédé correspondant Download PDF

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Publication number
WO2008046333A1
WO2008046333A1 PCT/CN2007/070687 CN2007070687W WO2008046333A1 WO 2008046333 A1 WO2008046333 A1 WO 2008046333A1 CN 2007070687 W CN2007070687 W CN 2007070687W WO 2008046333 A1 WO2008046333 A1 WO 2008046333A1
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WIPO (PCT)
Prior art keywords
service
information
module
user terminal
banking
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Application number
PCT/CN2007/070687
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English (en)
Chinese (zh)
Inventor
Haibo Jia
Original Assignee
Huawei Technologies Co., Ltd.
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 Huawei Technologies Co., Ltd. filed Critical Huawei Technologies Co., Ltd.
Publication of WO2008046333A1 publication Critical patent/WO2008046333A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • [2] It relates to the field of network communication technology, and specifically relates to a component system in a television banking system, a television banking system, and a method for realizing television banking.
  • An embodiment of the present invention provides a television banking system, a component system in a television banking system, and a method for implementing a television banking, and implements some banking functions on a television user terminal, which fills a gap in television banking technology.
  • a television banking system provided by an embodiment of the present invention includes:
  • At least one television user terminal configured to send service information, and receive service processing result information
  • the conditional receiving system is connected to the television user terminal, wherein the conditional receiving system is provided with an interface module, and the interface module receives the service information transmitted by the television user terminal, and forwards the service information, and receives the service processing. Result information, and transmitting the service processing result to the television user terminal;
  • the banking system is connected to the conditional access system, and the banking system is provided with a service processing module, and the service processing module performs service processing by using information exchange between the service information forwarded by the system and the third party service system according to the conditional
  • the service processing module sends the service processing result information to the conditional receiving system;
  • An embodiment of the present invention further provides a banking system, the banking system is connected to a third-party service system, and the banking system is connected to a television user terminal through a conditional receiving system; the banking system includes: [13] The service processing module, the service processing module receives the service information of the television user terminal transmitted by the conditional access system, and the service processing module performs service processing by using the information exchange between the service information and the third-party service system, and the service processing The module returns the business process result information to the television user terminal through the conditional access system.
  • An embodiment of the present invention further provides a third-party service system, where the third-party service system is connected to a banking system, and the third-party service system receives service information transmitted by the banking system, and passes information with the banking system.
  • the service is processed by the exchange; the service information includes: service information transmitted by the television user terminal through the conditional access system and the banking system.
  • the embodiment of the present invention further provides a user management system, where the user management system is respectively connected to a banking system and a conditional receiving system, and the user management system includes:
  • a relay module configured to receive service information transmitted by the conditional access system, and transmit the service information to the banking system, and the transit module receives the service processing result information transmitted by the banking system, and transmits the service processing result information to the conditional receiving system;
  • a storage module configured to store service information and service processing result information received by the transit module
  • the service information is: service information transmitted by the television user terminal through the conditional access system.
  • An embodiment of the present invention further provides a television user terminal, where the television user terminal is connected to a conditional receiving system, and the television user terminal includes:
  • a receiving module configured to receive externally input service information, and the receiving module transmits the encrypted service information to the conditional receiving system, and the conditional receiving system transmits the service information to the banking system, thereby being a banking system and a third party.
  • the encryption module is configured to encrypt the service information received by the receiving module.
  • An embodiment of the present invention further provides a conditional receiving system, where the conditional receiving system is connected to a television user terminal, and the conditional receiving system is connected to a banking system; the conditional receiving system includes:
  • the interface module is configured to transmit the service information transmitted by the television user terminal to the banking system, and the interface module transmits the service processing result information transmitted by the banking system to the television user terminal.
  • An embodiment of the present invention further provides a method for implementing a television bank, where the method includes:
  • the television user terminal receives the externally input service information, and transmits the service information to the banking system through the conditional access system;
  • the banking system performs business processing by means of information exchange between the service information transmitted by the conditional receiving system and the third party service system, and returns the business processing result information to the television user terminal through the conditional receiving system.
  • the embodiment of the present invention implements a partial banking function on a television user terminal.
  • the operation of banking on the television is more convenient than the operation of banking on the computer; since the conditional reception system in the television banking system is more secure, there is no online hacker, etc., therefore, the embodiment of the present invention is a television bank.
  • the security of the system is higher than that of the general computer online banking; the television banking system of the embodiment of the present invention provides a graphical interface for the television user to be more intuitive than the voice service of the telephone banking, and the graphic provided by the television banking system of the embodiment of the present invention
  • the interface is superior to the graphical interface provided by the mobile phone; the technical solution provided by the embodiment of the present invention fills the blank of the television banking technology.
  • FIG. 1 is a schematic diagram of a television banking system according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a service information input interface provided by a television user terminal according to an embodiment of the present invention.
  • a television banking system provided by an embodiment of the present invention includes: a banking system, at least one third party service system, a conditional access system, a user management system, and at least one television user terminal.
  • the television banking system of Figure 1 shows only one third party service system and one television user terminal.
  • the third-party business system is independent of the conditional access system and the banking system, and the third-party business system, such as various systems that entrust the bank to charge on behalf of the bank, the bank's accounting inquiry system, the bank's transfer inquiry system, the bank's self-service loan system, etc.
  • the water company payment system will be described as an example.
  • the banking system in Fig. 1 is respectively connected to a user management system and a third party service system, and the user management system is respectively connected with the banking system and the conditional receiving system, and the conditional receiving system is respectively connected with the user management system and the television user terminal. That is to say, the banking system is connected to the television user terminal through the user management system and the conditional access system.
  • the television user terminal in the embodiment of the present invention includes a receiving module, an encryption module, and a first detecting module.
  • the receiving module can be located in the set top box of the television user terminal, and the encryption module and the first detecting module can be in position In the smart card of the TV user terminal.
  • the receiving module displays a specific operation interface to the television user, and the television user can input corresponding service information according to the prompt in the operation interface through the input terminal such as the remote controller, and the receiving module receives the externally input service information, and transmits the service information.
  • the business information input by the TV user such as the type of business (paid water fee), the user's business number (water fee payment number), and the amount of payment.
  • the user service number is a number used in a certain type of service to uniquely identify a user.
  • the water fee payment number is the card number of the water meter card.
  • the first detection module stores the service authorization information, and the first detection module can obtain the service authorization information in a static configuration manner, and the first detection module can also obtain the service by dynamically receiving the service authorization information transmitted by the network side.
  • Authorization information The meaning of the business authorization information is such as allowing a TV user terminal to pay a water fee.
  • the first detecting module After receiving the service information transmitted by the receiving module, the first detecting module performs service authority detection on the service information according to the stored service authorization information, such as detecting whether the television user has the right to pay the water fee.
  • the first detection module allows the encryption module to encrypt the service information output by the receiving module, and after obtaining the encryption permission of the first detection module, the encryption module encrypts the service information, and transmits the encrypted service information.
  • the receiving module transmits the encrypted service information to the conditional receiving system; if the right detecting fails, the first detecting module prohibits the encryption module from encrypting the service information output by the receiving module, and does not transmit the service information to A method such as an encryption module prohibits the encrypted transmission process of business information.
  • the encryption key here may be an encryption key dedicated to the encryption of the service information, or may be an encryption key for other applications, such as encrypting the service information by using the encryption key of the television user to receive the authorization.
  • the conditional receiving system in the embodiment of the present invention is a two-way network, that is, the receiving module can transmit information to the network side through the conditional receiving system, that is, the set top box has a backhaul function.
  • the conditional access system may be a two-way network that is reconstructed on the basis of the existing cable television network, or a network that is additionally built by the operator, such as a newly constructed Ethernet.
  • there are various technical solutions for transforming a unidirectional network of a conventional cable television into a two-way network which is not described in detail herein.
  • the embodiment of the present invention does not limit the technical solution for transforming a unidirectional network into a two-way network.
  • the receiving module can have a cable
  • the cable can be integrated on the set top box Modem function;
  • the receiving module may include an Ethernet network port, that is, the set top box may be integrated with a network port, and the set top box may be connected to the Ethernet through the network cable.
  • the interface module and the decryption module are provided in the conditional access system.
  • the interface module is mainly used for the relay transmission of information, and the interface module receives the encrypted service information transmitted by the television user terminal, and the decryption module decrypts the service letter received by the interface module according to the stored decryption key, and the interface module will The decrypted service information is transmitted to the user management system; after receiving the service processing result information transmitted by the user management system, the receiving module transmits the service processing result information to the corresponding television user terminal.
  • conditional receiving system may further set a second detecting module to detect the service authority of the television user terminal.
  • the second detection module stores the service authorization information, and the second detection module can obtain the service authorization information in a static configuration manner, and the second detection module can also obtain the service authorization information through the dynamic receiving manner.
  • the meaning of the service authorization information is such as allowing a TV user terminal to pay a water fee.
  • the second detection module performs service authority detection on the decrypted service information according to the stored service authorization information, such as detecting whether the television user has the right to pay the water fee.
  • the second detection module allows the interface module to transmit the decrypted service information to the user management system; if the permission detection fails, the second detection module prohibits the interface module from transmitting the decrypted service information to the user management system.
  • the interface module transmits the decrypted service information to the user management system after the second detection module allows the service information to be transmitted.
  • a technology such as a private network or a firewall can be used between the conditional access system and the user management system.
  • a relay module and a storage module are provided in the user management system.
  • the transit module After receiving the service information transmitted by the conditional receiving system, the transit module stores the service information in the storage module and transmits the service information to the banking system; the transit module receives the service processing result transmitted by the banking system, and stores the service processing result in the storage.
  • the business process results are transmitted to the conditional access system.
  • a transaction serial number may be added to the service information to identify the service information of the current service, that is, A business corresponds to a transaction serial number.
  • the banking system should carry the transaction serial number corresponding to the current service, and the storage module can store the business processing result and the corresponding business information together according to the transaction serial number.
  • the user management system needs to register the TV banking service for the TV user, the user management system is further provided with an authorization module, which performs the business registration for the television user, that is, the service authorization for the television user, and the television user terminal
  • the service authorization information is transmitted to the first detection module of the television user terminal through the interface module of the conditional access system, and the first detection module stores the service authorization information; the service authorization information is transmitted to the third detection module of the banking system through the relay module, The third detection module stores the service authorization information.
  • the authorization module transmits the service authorization information of the television user terminal to the conditional receiving system after performing the service authorization for the television user.
  • the second detecting module stores the service authorization information by the second detecting module.
  • the transit module of the user management system needs to add a bank account number to the business information to transfer the business information transmitted by the conditional access system to the banking system.
  • the business information stored in the storage module of the user management system may also include a bank account number.
  • the transfer module can no longer perform the process of increasing the bank account number.
  • the conditional receiving system directly interacts with the banking system for information such as service information and service processing result information, and the service information stored by the user management system. , business processing result information, etc. can conveniently provide basic information for applications such as settlement.
  • the television banking system of the embodiment of the present invention may further be provided with a settlement sharing module, and the settlement sharing module may be set in the user management system, or may be set independently of the user management system.
  • the settlement sharing module stores a pre-set settlement sharing protocol, and the settlement sharing agreement is set between the banking system and the conditional receiving system, and the settlement sharing agreement is divided into a service-based sharing agreement and a business-based amount.
  • the embodiment of the present invention does not limit the specific form of the settlement sharing agreement.
  • the television banking system in the embodiment of the present invention may not include the user management system and the settlement sharing module, if the settlement manner between the banking system and the conditional access system is independent of the specific service, such as how much the fee is fixed in a year.
  • a business processing module and a third detection module are provided in the banking system. After receiving the service information transmitted by the transit module, the third detecting module performs service authority detection on the service information received by the service processing module according to the stored service authorization information, for example, detecting whether the television user has paid the water fee. The third detection module can also perform other tests on the current service according to the type of the service, such as detecting whether the balance of the television user terminal is sufficient. If the service authority detection and other detections are successful, the third detection module allows the service processing module to interact with the third-party service system to process the current service of the television user terminal. After the service processing is successfully completed, the current detection process will be performed. The information of the business success is transmitted to the transit module of the user management system.
  • the service processing module fails the service.
  • the information is transmitted to the transit module of the user management system; if the service authority detection or other detection fails, the third detection module prohibits the service processing module from interacting with the third-party service system, that is, the current service failure of the television user, the service processing module will The information of this business failure is transmitted to the relay module of the user management system.
  • the business success/failure information transmitted by the business processing module to the user management system contains the transaction serial number of the current business.
  • the transit module receives the information about the failure of the service or the success of the service, and stores the information about the success/failure of the storage service in the storage module of the user management system.
  • the information of the success/failure of the service should be based on the transaction serial number and the corresponding service information. Stored together.
  • the transit module transmits the information of the success/failure of the service to the receiving module of the television user terminal through the interface module of the conditional receiving system, and the receiving module displays the information of the success/failure of the service to the television user.
  • the embodiments of the present invention do not limit the interface protocol between the service processing module and the third-party service system, for example, the unified external interface specifications of each bank may be used.
  • step 1 Bank system, the bank, performs business registration processing for TV users.
  • the service registration process is to authorize the service of the water fee collection service opened by the TV user terminal.
  • the business authorization process includes: confirming the IC card number, confirming the bank account number, confirming the service type (paying water fee), and business-related parameters.
  • the service authorization generates service authorization information, and the service authorization information can be as shown in Table 1.
  • the banking system transmits the business authorization information to SMS (user management system) after successfully completing the business registration
  • Step 2 SMS transfers the service authorization information.
  • the user management system receives the service authorization information transmitted by the banking system, and saves the service authorization information to the number.
  • the business authorization information is transmitted to the CAS (Conditional Receiving System), which informs the CAS of what business has been opened by an IC card.
  • the service authorization information transmitted by SMS to the CAS can be as shown in Table 2.
  • Step 3 The conditional access system activates the relevant service rights for the TV user.
  • the conditional receiving system After receiving the service authorization information transmitted by the user management system, the conditional receiving system parses the service authorization information, and sends an instruction to the corresponding IC card through the authorization mechanism of the conditional receiving system to notify the corresponding IC card television user to open the payment.
  • the service authority of the water fee the IC card stores the service authorization information it receives.
  • the conditional receiving system may not notify the IC card television user to open the service authority for paying the water fee, but store the service authority information by itself, so that after receiving the service information transmitted by the television user terminal, the conditional receiving system receives the service information.
  • Business permission detection is required for business information.
  • Step 4 After the TV user needs to perform the service of paying the water fee, the set top box of the TV user terminal displays the service operation interface to the TV user.
  • the business operation interface displayed by the set top box to the television user can be as shown in FIG. 2.
  • the television user can input the service information through the remote controller, and the set top box requests the smart card to encrypt the service information for paying the water fee after receiving the confirmation instruction input by the television user through the remote controller.
  • the business information such as the service type, the water fee payment number, and other business parameters such as the current payment amount, etc., can be as shown in Table 3 for the business information before encryption.
  • step 4 the set top box displays the service operation page to the television user in various ways, such as the set top box displaying the service operation page to the television user through its pre-built interface; and the set top box is connected to the HTTP server through the bidirectional conditional receiving system. And requesting a webpage to display the requested page to the television user; and the set top box displays the business operation page to the television user by means of data broadcasting.
  • Step 5 The smart card encrypts the service information and transmits the encrypted service information to the set-top box.
  • the smart card stores an encryption key inside, and the smart card can encrypt the service information transmitted by the set-top box by using the stored encryption key.
  • the smart card After receiving the service information transmitted by the set-top box, the smart card first checks the service authority to check whether it has the service right to pay the water fee. If it detects that it does not have the service right to pay the water fee, it will not pay.
  • the information of the water fee authority is returned to the receiving module, and the receiving module displays the information without the water fee permission to the television user; if the smart card detects that it has the business right to pay the water fee, the smart card encrypts the service information received by the smart card. , and return the encrypted business information to the set-top box.
  • the encrypted data format output by the smart card to the set top box can be as shown in Table 4.
  • Step 6 The set-top box uploads the encrypted data to the front end of the conditional access system.
  • the set-top box After receiving the service information encrypted by the smart card, the set-top box transmits the encrypted service information through the bidirectional channel. Transmitted to the CAS, the CAS decrypts the service information using its saved key, and the CAS transmits the decrypted service information to the user management system.
  • the service information sent by the CAS to the user management system can be as shown in Table 5.
  • Step 7 SMS transmits the business information it receives to the banking system, the bank.
  • the user management system After receiving the service information transmitted by the conditional access system, the user management system adds a transaction serial number to the service information, and stores the service information with the transaction serial number added, and then increases the service information of the transaction serial number. Transfer to the banking system.
  • the service information transmitted by the user management system to the banking system can be as shown in Table 6.
  • Step 8 The banking system and the third party system, that is, the third party business system of the water company, conduct business processing.
  • the banking system After receiving the service information transmitted by the user management system, the banking system performs service authority detection on the service information, that is, confirms the service type of the IC card, and determines whether the TV user terminal has opened the service for paying the water fee. And is the balance of the bank account number (8888888888888888) sufficient to pay the business? Water fee, etc.
  • the banking system After the business authority is successfully detected, the banking system performs business processing with the water supply company's payment system, that is, the third-party business system, that is, the transaction. After the business processing is completed, the banking system sends the business processing result information of the business processing success or failure to the SMS. After the failure of the service authority detection, if the balance is insufficient, the banking system also sends the service processing result information of the business processing failure to the SMS.
  • the business process result information sent by the banking system to the SMS can be as shown in Table 7.
  • Step 9 The SMS receives and saves the service processing result information transmitted by the banking system, and transmits the service processing result information to the CAS, and the service processing result information is sent by the CAS to the set top box, and the set top box processes the service transmitted by the CAS. The resulting information is displayed to the TV user.
  • the service information and service processing result information stored by the SMS may include at least parameters as shown in Table 8.
  • Step 10 Settlement of the settlement between the conditional access system and the banking system, ie the bank.
  • the technical solution provided by the embodiments of the present invention implements some functions of the bank on the television, that is, the television user can carry out some banking-related services on the television, such as bank payment (water) Fees, electricity, media, telephone, mobile communication, etc.), bank account inquiry, transfer, tariff inquiry, self-service loan, etc.
  • bank payment water
  • Fees electricity, media, telephone, mobile communication, etc.
  • bank account inquiry transfer, tariff inquiry, self-service loan, etc.
  • the TV banking system has the following advantages over the current banking system:
  • the TV banking system provides a graphical interface for TV users.
  • the graphical interface is more intuitive than the voice service of the telephone banking.
  • the graphical interface provided by the TV banking system is superior to the graphical interface provided by the mobile phone.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Two-Way Televisions, Distribution Of Moving Picture Or The Like (AREA)

Abstract

Cette invention concerne un système de banque TV, un système constitutif respectif du système de banque TV ainsi qu'un procédé permettant de mettre en oeuvre la banque TV. Le système de banque TV décrit dans cette invention comprend un système bancaire, un système d'accès conditionnel, au moins un système de services tiers indépendant du système bancaire et du système d'accès conditionnel, et au moins un terminal abonné TV. Un module d'interface est placé dans le système d'accès conditionnel, et ce module d'interface envoie les informations de services transmises par les terminaux abonnés TV au système de banque puis il envoie les résultats concernant le traitement des services transmis par le système de banque aux terminaux abonnés TV; un module de traitement des services est installé dans le système de banque et ce module exécute le traitement des services par échange d'informations avec le système de services tiers d'après les informations de services reçues puis le module de traitement des services renvoie les informations concernant les résultats du traitement des services aux terminaux abonnés TV par l'intermédiaire du système d'accès conditionnel.
PCT/CN2007/070687 2006-10-19 2007-09-13 Système de banque tv, système constitutif respectif et procédé correspondant WO2008046333A1 (fr)

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CNA2006101409586A CN1945618A (zh) 2006-10-19 2006-10-19 电视银行系统、电视银行系统中的各组成系统及方法
CN200610140958.6 2006-10-19

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CN1945618A (zh) * 2006-10-19 2007-04-11 华为技术有限公司 电视银行系统、电视银行系统中的各组成系统及方法
CN102202092A (zh) * 2011-04-28 2011-09-28 李波 电视银行公共服务平台
CN102592365A (zh) * 2012-02-28 2012-07-18 四川长虹电器股份有限公司 机顶盒与电力系统通信的方法
CN102855563B (zh) * 2012-07-24 2016-03-09 上海柯斯软件股份有限公司 基于机顶盒实现安全支付的系统及方法
CN103258295A (zh) * 2013-05-29 2013-08-21 常熟市广播电视总台 一种基于双向电视机顶盒的银行交互系统及其方法

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