CN102088523A - System and method for realizing transaction by transmitting appointed data for approval before transaction - Google Patents
System and method for realizing transaction by transmitting appointed data for approval before transaction Download PDFInfo
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- CN102088523A CN102088523A CN2011100249627A CN201110024962A CN102088523A CN 102088523 A CN102088523 A CN 102088523A CN 2011100249627 A CN2011100249627 A CN 2011100249627A CN 201110024962 A CN201110024962 A CN 201110024962A CN 102088523 A CN102088523 A CN 102088523A
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- 230000005540 biological transmission Effects 0.000 claims abstract description 166
- 238000012545 processing Methods 0.000 claims abstract description 19
- 238000010200 validation analysis Methods 0.000 claims description 29
- 238000013475 authorization Methods 0.000 claims description 28
- 238000012546 transfer Methods 0.000 claims description 15
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Abstract
The invention provides a system and method for realizing transaction by transmitting appointed data for approval before a transaction, which is characterized in that the realization method comprises the following steps: confirming whether an account is bound with a phone number for transmitting appointed data for approval by a service system; when the account is bound with a phone number and receives newly-built transmitted appointed data, determining whether the account locks a mode for transmitting the appointed data for approval; when the account locks a transmission mode and receives a selection mode, hinting to type in appointed data or an order specified password to process a system hint; when a server receives data transmitted by a specified password processing system, checking whether the phone number of a party for transmitting appointed data is same with the phone number bound with or newly built by the account; and if yes, checking whether the appointed data transmitted by the phone number is same with the appointed data which is transmitted before transaction for approval and is agreed by the account and the service party. The purpose of transmitting through the phone is to separately enter the account number and the appointed data, thereby enhancing the safety of transmitting the appointed data, and reducing the possibility that the account number and the appointed data are simultaneously stolen as much as possible.
Description
Technical field
By realizing the system and method for transaction behind the password confirming before, relate in particular to before the transaction and to transmit correct agreement code data by phone and could realize the system and method for concluding the business before the present invention relates to conclude the business for checking and approving.
Background technology
Computer technology is constantly developed by leaps and bounds, the technology of people's account transaction account transfer is never caught up with the speed of social development, as needing to conclude the business on the people ATM terminal, as long as key feeding cipher can be withdrawn deposit or transfer transactions after inserting bank card earlier on the ATM terminal, occur false ATM terminal or unprincipled fellow for the previous period as Beijing one and camera is installed is come password that bank card account number that monitoring user keys in and user key in if having again, that is congratulated the user and has run into the burglar, and account's fund does not just know which day has also just disappeared suddenly yet.
Use internet bank trade to transfer accounts, use the login of U shield to conclude the business safest at present at last, but August 4, I saw the news about the account of Web bank theft that Guangzhou Daily is delivered on the net, the emphasis of news is: up-to-date intercepting and capturing " Net silver burglar " virus has far won malicious king " Net silver robber " in the past technically, the hacker not only can steal the user's of Web bank account number cipher, even can get around the defence line of the U of bank shield, transfer accounts on the net.Seen this news I also feel too fearful, think that hacker's technology is advanced too, the guard technology of original U shield is fine, how to say its built-in miniature smartcard processor of U shield again, adopt 1024 asymmetric key algorithms to online data encrypt, deciphering and digital signature, guarantee confidentiality, authenticity, integrality and the non-repudiation of online transaction, its secrecy technology done phase people having the same habits, transfer accounts again and the hacker who newly hears can get around the defence line of the U of bank shield.
As the stolen news of bank account all is of common occurrence.If only have below several ten thousand yuan as the stolen money of similar case, going to report a case to the security authorities rear much all is to have slim hopes because of the case-involving amount of money and little the cracking of social influence.But what that was I guess stolen is several thousand yuan, all is a large number of loss for we common people.
Summary of the invention
The present invention has mainly added two sample Work tools than the existing operating system of bank, and the one, phone, the 2nd, specify the cryptographic processing system.
Phone is used for transmitting appointment data to the designated pin treatment system by prompting.
The designated pin treatment system be used for by instruction to designated telephone transmit information, reception information and call out designated telephone or receive the call through conversation after voice suggestion transmit data, and data and the direction of transfer server that receives transmitted.
Server of the present invention has been Duoed several roads than bank's existing system server and has been checked and approved work.The one, check and approve the account and whether bound the phone that transmits appointment data? the 2nd, check and approve the whether mode of locked transmission appointment data of account? the 3rd, check and approve earlier have in the phone of the transmission appointment data that the designated pin treatment system transmits identical with the phone of account's binding or newly-built transmission appointment data? the 4th, it is identical to check and approve the data of Gong checking before the data that this same phone transmits and the transaction that account and service side reach an agreement on again?
Whether has the account bound the phone that transmits appointment data? server is checked and approved the account and is not bound the phone that transmits appointment data, point out the phone of newly-built transmission appointment data, system receives the phone of newly-built transmission appointment data, or server checks and approves the account and bound the phone that transmits appointment data, check and approve the whether mode of locked transmission appointment data of account?
The mode of account's non-locking transmission appointment data, can the phone of checking and approving already bound or created transmission appointment data send or reception information? the phone of account's already bound or created transmission appointment data can send or receive information, and prompting can be selected 1. to key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.The phone of account's already bound or created transmission appointment data can not send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through.
1. the account is locked listens to and keys in appointment data after the voice suggestion for checking and approving mode by calling out the designated pin treatment system, or account's non-locking transmission appointment data mode, after the real-time condition and prompting of system according to the phone of already bound or created transmission appointment data, have to receive to choose 1. by calling out the designated pin treatment system and listen to and key in appointment data after the voice suggestion for checking and approving request, prompting designated pin treatment system, and this designated pin treatment system of prompting calling, listen to voice suggestion key entry agreement appointment data when connecting conversation and supply to check and approve.
2. the account is locked keys in appointment data for checking and approving mode by listening to voice suggestion behind the designated encryption processing system call through, or account's non-locking transmission appointment data mode, after the real-time condition and prompting of system according to the phone of already bound or created transmission appointment data, have to receive to choose 2. by listening to voice suggestion behind the designated encryption processing system call through and key in appointment data for checking and approving request, when the calling of designated pin treatment system is received in prompting, listen to voice suggestion when connecting conversation and key in appointment data for checking and approving.And instruction designated pin treatment system calls out the phone that already bound or created transmits appointment data immediately, and voice suggestion the other side keys in appointment data when connecting conversation.
The account is locked 3. send appointment data to the designated pin treatment system for checking and approving mode, or account's non-locking transmission appointment data mode, after the real-time condition and prompting of system according to the phone of already bound or created transmission appointment data, have receive choose 3. send appointment data to the designated pin treatment system for checking and approving request, prompting designated pin treatment system, and prompting sends appointment data information for checking and approving to this designated pin treatment system.
The account is locked 4. reply appointment data to the designated pin treatment system for checking and approving mode, or account's non-locking transmission appointment data mode, after the real-time condition and prompting of system according to the phone of already bound or created transmission appointment data, have receive choose 4. reply appointment data to the designated pin treatment system for checking and approving request, the correct appointment data of answer that the designated pin treatment system of receiving the phone that the prompting already bound or created transmits appointment data transmits should be replied correct appointment data and supply to check and approve for checking the operation indicating of could realizing concluding the business.And instruction designated pin treatment system is to binding or the phone of newly-built transmission appointment data sends prompting.
The phone of the transmission appointment data that the designated pin treatment system of receiving server transmits and the transmission appointment data of this transtelephonic, check and approve earlier have in the phone of the transmission appointment data that the designated pin treatment system transmits identical with the phone of account's binding or newly-built transmission appointment data? when not identical with the phone of account's binding or newly-built transmission appointment data in sender's phone that the designated pin treatment system of checking server at the appointed time transmits, the phone that prompting transmits appointment data with account's already bound or created is again locked by the account or transmit correct appointment data by the load mode that prompting is selected to the designated pin treatment system and supply to check and approve; All do not have when identical with the phone of account's binding or newly-built transmission appointment data in sender's phone that the designated pin treatment system of checking server at the appointed time transmits, and surpassed stipulated number that appointment data Gong checks and approves or the time of before time transaction, transmitting, will stop to provide the appointment data authorization services for this transaction; Whether when finding the phone that has with account's binding or newly-built transmission appointment data identical in sender's phone that the designated pin treatment system of checking server at the appointed time transmits, it is identical to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this identical sender transmits and account and service side's agreement?
Whether check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this identical sender transmits and account and service side's agreement identical? server transmits the appointment data of Gong checking and approving when not identical before in setting time is checked the transaction of appointment data that this identical sender transmits and account and service side's agreement, prompting is again locked by the account or supply to check and approve to the correct appointment data of designated pin treatment system transmission by the load mode that prompting is selected with the phone of account's binding or newly-built transmission appointment data; Server is checked at the appointed time and is transmitted the appointment data Gong checking and approving before the transaction of appointment data that this identical sender repeatedly transmits and account and service side's agreement when identical, and surpassed stipulated number that appointment data Gong checks and approves or the time of before time transaction, transmitting, will stop to provide the appointment data authorization services for this transaction; Server is checked and is transmitted the appointment data Gong checking and approving before the transaction of appointment data that this identical sender repeatedly transmits and account and service side's agreement when all the time identical, and surpassed that transmission appointment data before the transaction of account and service side agreement supplies to check and approve appraise and decide wrong total degree the time, to stop to provide the appointment data authorization services for account transaction, this account need be realized concluding the business and account transfer etc., needs to appraise and decide wrong total degree with service side's mistake that transmits the appointment data of Gong checking and approving before the transaction of again reaching an agreement on; When the server appointment data that transmission Gong is checked and approved before in setting time is checked the transaction of appointment data that this identical sender transmits and account and service side's agreement is identical, will provide service for this transaction.
The data separate platforms that patent of the present invention mainly Gong is checked and approved with the agreement that transmits before account number and password and the transaction is keyed in, the data that the agreement that transmits before solution account number and password and the transaction Gong is checked and approved are simultaneously stolen, the transmission safety of the data that the agreement that transmits before reinforcement is concluded the business Gong is checked and approved.Mainly solve people Web bank when using the account to work, do not worry that also the hacker steals account's account number and password and steals account's fund and waited; Also not being afraid of bank card loses the back other people can guess password right and lose fund or be not afraid of that the lawless person duplicates behind the bank card on the ATM terminal that key feeding cipher just can be withdrawn deposit and account transfer or POS terminal key feeding cipher get final product payment consumption.
Aim of the present invention also is to be better user service for the account increases protection, to be the account funds more protection.
Description of drawings
Fig. 1, structural representation of the present invention.
Fig. 2, transmit appointment data for the flow chart that could realize after checking and approving concluding the business by listening to voice suggestion behind the call through.
Fig. 3, transmit appointment data for the flow chart that could realize after checking and approving concluding the business by listening to voice suggestion after the called connection.
Fig. 4, by send appointment data to the designated pin treatment system for the flow chart that could realize after checking and approving concluding the business.
Fig. 5, by reply appointment data to the designated pin treatment system for the flow chart that could realize after checking and approving concluding the business.
Embodiment
With reference to shown in Figure 1.A service terminal and b server are mutual UNICOMs, the a service terminal can be realized the real time information with the account, operation requests transmits to the b server, the b server can feed back to a service terminal in real time according to the request of account side and operational circumstances and account, the b server can be according to account's operation requests or fixing step, feedback information, operational order is to the transmission of c designated pin treatment system or require c designated pin treatment system to pass on, c designated pin treatment system can transmit data of receiving etc. to the b server, c designated pin treatment system and d subscriber phone are according to instruction UNICOM, c designated pin treatment system can transmit information or call out also voice suggestion to the d subscriber phone, and the d subscriber phone can be pressed the voice prompting and transmit appointment data when c designated pin treatment system transmits information indicating or call through conversation.
With reference to shown in Figure 2.Service terminal is realized transaction request sending the request instruction that needs to realize transaction to server according to account side operation, does system confirm earlier according to request instruction whether the account bound and transmits the phone that appointment data Gong is checked and approved?
The system validation account does not have the confession of binding transtelephonic appointment data to check and approve the phone that system prompt answers newly-built transmission appointment data Gong to check and approve.
System validation account binding has the confession of transtelephonic appointment data to check and approve, or the account does not bind and do to transmit phone that appointment data Gong checks and approves, system has and receives newly-built work and transmit phone that appointment data Gong checks and approves, does system confirm account's mode whether locked transmission appointment data Gong is checked and approved again?
The account does not have locking to transmit mode that appointment data Gong checks and approves, does system recheck the phone that transmission appointment data that the account has bound or newly-built Gong checks and approves and could send or reception information? this phone can send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.
This phone can not send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through.
1. the account is locked listens to and keys in appointment data after the voice suggestion for checking and approving by calling out the designated pin treatment system, or this phone of system validation can send or receive information, or this phone of system validation can not send or receive information, after the prompting, receiving selection 1. listens to and keys in appointment data after the voice suggestion for checking and approving request by calling out the designated pin treatment system, server is to its login terminal notifying designated pin treatment system, and prompting is listened to the call designated pin treatment system that the account has bound or newly-built transmission appointment data Gong is checked and approved and keyed in correct appointment data confession after the voice suggestion and check and approve.
The appointment data that voice suggestion transmits during call that the designated pin treatment system is received account binding or newly-built transmission appointment data, and appointment data and sender's phone that transmission is read in time identification transmit to server.
Server is according to receiving the information that the designated pin treatment system transmits, does checking earlier have identical with the phone of account's binding or newly-built transmission appointment data among the sender of numerous transmission appointment data that the designated pin treatment system transmits?
All the phone with account's binding or newly-built transmission appointment data is not identical among the sender of numerous transmission appointment data that the designated pin treatment system of checking server transmits, the call of account binding or newly-built transmission appointment data is not received in prompting, and reresents and again call out the designated pin treatment system with the phone of account's binding or newly-built transmission appointment data and connect and transmit correct appointment data after voice suggestion is listened in conversation.
Phone with account's binding or newly-built transmission appointment data in sender's phone of numerous transmission appointment data that the designated pin treatment system of repeatedly checking server transmits does not have identical all the time, and surpassed and before time transaction, transmitted stipulated number that appointment data Gong checks and approves, the call of all not receiving account's binding or newly-built transmission appointment data is repeatedly pointed out in prompting, will stop to provide the appointment data authorization services for this transaction.
Phone with account's binding or newly-built transmission appointment data in sender's phone of numerous transmission appointment data that the designated pin treatment system of repeatedly checking server at the appointed time transmits does not have identical all the time, and surpassed the time that appointment data Gong checks and approves of before time transaction, transmitting, the prompting overshoot time is not all received the call of account's binding or newly-built transmission appointment data, will stop to provide the appointment data authorization services for this transaction.
Whether when finding the phone that has with account's binding or newly-built transmission appointment data identical in sender's phone of numerous transmission appointment data that the designated pin treatment system of checking server at the appointed time transmits, it is identical to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this identical sender transmits and account and service side's agreement?
Server is checked appointment data that the preceding transmission of transaction of appointment data that this identical sender transmits and account and service side reaching an agreement on Gong checks and approves when inequality, the appointment data mistake that prompting transmits, and the appointment data that prompting retransfers correct could realize transaction for checking and approving;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this identical sender repeatedly transmits and account and service side's agreement when identical, and the appointment data mistake that transmits surpassed transmitted stipulated number that appointment data Gong checks and approves before time transaction, and prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this identical sender repeatedly transmits and account and service side's agreement when identical, and surpassed and before time transaction, transmit stipulated time that appointment data Gong checks and approves, prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this identical sender repeatedly transmits and account and service side's agreement when all the time identical, and the appointment data mistake that transmits surpassed that transmission appointment data before the transaction of account and service side agreement supplies to check and approve appraise and decide wrong total degree the time, to stop to provide the appointment data authorization services for account transaction, this account need be realized concluding the business and account transfer etc., needs to reappoint the mistake that transmits the appointment data of Gong checking and approving before the transaction with the service side and appraises and decides specified number;
Check transmission Gong is checked and approved before the transaction of appointment data that this identical sender transmits and account and service side's agreement appointment data when identical, will provide service for this transaction.
With reference to shown in Figure 3.Service terminal is realized transaction request sending the request instruction that needs to realize transaction to server according to account side operation, does system confirm earlier according to request instruction whether the account bound and transmits the phone that appointment data Gong is checked and approved?
The system validation account does not have binding transtelephonic appointment data for what check and approve, points out the phone of answering newly-built transmission appointment data Gong to check and approve.
System validation account binding has the confession of transtelephonic appointment data to check and approve, or the account does not bind and do to transmit phone that appointment data Gong checks and approves, system has and receives newly-built work and transmit phone that appointment data Gong checks and approves, does system confirm account's mode whether locked transmission appointment data Gong is checked and approved again?
The account does not have locking to transmit mode that appointment data Gong checks and approves, does system recheck the phone that transmission appointment data that the account has bound or newly-built Gong checks and approves and could send or reception information? this phone can send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.
This phone can not send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through.
The account is locked to listen to voice suggestion after 2. connecting by designated cryptographic processing system calling and keys in appointment data for checking and approving, or this phone of system validation can send or receive information, can not send or receive information with this phone of system validation, after the prompting, receive and listen to voice suggestion after 2. selection connects by designated cryptographic processing system calling and key in appointment data for checking and approving request, server is to its login terminal notifying designated pin treatment system, and the prompting account has bound or newly-built when receiving the designated pin treatment system and calling out, connect conversation and listen to and key in correct appointment data after the voice suggestion for checking and approving, and instruction designated pin treatment system is called out immediately and bound or the phone of newly-built transmission appointment data.
The designated pin treatment system is received the calling designated telephone of server and behind this call voice hint instructions, call out designated telephone by server prompts, voice suggestion the other side keys in correct appointment data when reaching the connection conversation, when receiving the appointment data of designated telephone transmission, the appointment data that this transtelephonic is read in identification transmits the data of instruction called telephone and transmission thereof to server.
Server is according to the information of receiving the designated pin treatment system and transmitting, check earlier have in the instruction called telephone that the designated pin treatment system transmits identical with the phone of account's binding or newly-built transmission appointment data?
Server does not all have identical with the phone of account's binding or newly-built transmission appointment data in the instruction called telephone of checking the transmission of designated pin treatment system, the phone of prompting account binding or newly-built transmission appointment data does not have call establishment, again the phone of instruction designated pin treatment system immediate instruction calling.
All do not have all the time identical with the phone of account's binding or newly-built transmission appointment data in the instruction called telephone that the designated pin treatment system of repeatedly checking server at the appointed time transmits, and surpassed and before time transaction, transmitted the regulation number of calls that appointment data Gong checks and approves, prompting is repeatedly called out all not to be had to connect, and will stop to provide the appointment data authorization services for this transaction.
All do not have all the time identical with the phone of account's binding or newly-built transmission appointment data in the instruction called telephone that the designated pin treatment system of repeatedly checking server at the appointed time transmits, and surpassed and before time transaction, transmit stipulated time that appointment data Gong checks and approves, will stop to provide the appointment data authorization services for this transaction.
Whether when having phone with account's binding or newly-built transmission appointment data identical in the instruction called telephone that the designated pin treatment system of checking server at the appointed time transmits, it is identical to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same instructions called telephone transmits and account and service side's agreement?
Server is checked appointment data that the preceding transmission of transaction of appointment data that this instruction called telephone transmits and account and service side reaching an agreement on Gong checks and approves when inequality, the appointment data mistake that prompting transmits, and the appointment data that prompting retransfers correct could realize transaction for checking and approving;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this instruction called telephone repeatedly transmits and account and service side's agreement when identical, and the appointment data mistake that transmits surpassed transmitted stipulated number that appointment data Gong checks and approves before time transaction, and prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this instruction called telephone repeatedly transmits and account and service side's agreement when identical, and surpassed and before time transaction, transmit stipulated time that appointment data Gong checks and approves, prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account;
Check and transmit the appointment data Gong checking and approving before the transaction of appointment data that this instruction called telephone repeatedly transmits and account and service side's agreement when all the time identical, and the appointment data mistake that transmits surpassed that transmission appointment data before the transaction of account and service side agreement supplies to check and approve appraise and decide wrong total degree the time, to stop to provide the appointment data authorization services for account transaction, this account need be realized concluding the business and account transfer etc., needs to reappoint the mistake that transmits the appointment data of Gong checking and approving before the transaction with the service side and appraises and decides specified number;
Check transmission Gong is checked and approved before the transaction of appointment data that this instruction called telephone transmits and account and service side's agreement appointment data when identical, will provide service for this transaction.
With reference to shown in Figure 4.Service terminal is realized transaction request sending the request instruction that needs to realize transaction to server according to account side operation, does system confirm earlier according to instruction whether the account bound and transmits the phone that appointment data Gong is checked and approved?
The system validation account does not have binding transtelephonic appointment data for what check and approve, points out the phone of answering newly-built transmission appointment data Gong to check and approve.
System validation account binding has the confession of transtelephonic appointment data to check and approve, or the account does not bind and do to transmit phone that appointment data Gong checks and approves, system has and receives newly-built work and transmit phone that appointment data Gong checks and approves, does system confirm account's mode whether locked transmission appointment data Gong is checked and approved again?
The account does not have locking to transmit mode that appointment data Gong checks and approves, does system recheck the phone that transmission appointment data that the account has bound or newly-built Gong checks and approves and could send or reception information? this phone can send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.
The account is locked 3. send appointment data to the designated pin treatment system for checking and approving, or this phone of system validation can send or receive information, and after the prompting, receive selection 3. send appointment data to the designated pin treatment system for checking and approving request, server is to its registration terminal prompting designated pin treatment system, and the phone that prompting Gong is checked and approved with account's already bound or created transmission appointment data sends correct appointment data for checking and approving to the designated pin treatment system.
When the designated pin treatment system was received the appointment data that the account binds or the phone of newly-built transmission appointment data sends, the phone of transmission appointment data was read in time identification and the appointment data of transmission transmits to server.
Server is according to the information of receiving the designated pin treatment system and transmitting, does checking earlier to have in the transmission appointment data side phone that the designated pin treatment system transmits have identical with the phone of account's binding or newly-built transmission appointment data?
All do not have identically with the phone of account's binding or newly-built transmission appointment data in the transmit leg phone of the transmission appointment data that the designated pin treatment system of checking server transmits, prompting sends correct appointment data for checking and approving to the designated pin treatment system again with the phone of account's binding or newly-built transmission appointment data.
All all do not have when identical with the phone of account's binding or newly-built transmission appointment data in the transmit leg phone of the transmission appointment data that the designated pin treatment system of repeatedly checking server transmits, and surpassed and before time transaction, transmitted stipulated number that appointment data Gong checks and approves, the appointment data that phone sends is not all received in prompting repeatedly prompting all the time, will stop to provide the appointment data authorization services for this transaction of this account.
All all do not have when identical with the phone of account's binding or newly-built transmission appointment data in the transmit leg phone of the transmission appointment data that the designated pin treatment system of repeatedly checking server at the appointed time transmits, and surpassed and before time transaction, transmitted stipulated time that appointment data Gong checks and approves, the appointment data of the phone transmission of all not receiving account's binding or newly-built transmission appointment data is repeatedly pointed out in prompting at the appointed time, will stop to provide the appointment data authorization services for this transaction of this account.
Whether server is checked the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone sends and account and service side's agreement identical when having phone with account's binding or newly-built transmission appointment data identical in the transmit leg phone of the transmission appointment data that the designated pin treatment system of checking server at the appointed time transmits?
It is not identical to check at the appointed time the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone sends and account and service side's agreement, the appointment data mistake that prompting transmits, and prompting resends correct appointment data for checking and approving with this phone.
It is not identical repeatedly to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone sends and account and service side's agreement, and the appointment data mistake that sends surpassed the stipulated number Gong checking and approving before time transaction, and prompting will stop that this prerequisite of concluding the business supplies the appointment data authorization services for this account.
It is not identical repeatedly to check at the appointed time the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone sends and account and service side's agreement, and having surpassed appointment data Gong is checked and approved before time transaction stipulated time, prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account.
It is all the time not identical repeatedly to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone sends and account and service side's agreement, and the appointment data mistake that transmits surpassed that transmission appointment data before the transaction of account and service side agreement supplies to check and approve appraise and decide wrong total degree the time, the appointment data mistake that prompting sends has surpassed the front appointment data that transmits of transaction of account and the agreement of service side for the wrong total degree of appraising and deciding of checking and approving, and will stop to provide the appointment data authorization services for account transaction.This account need be realized concluding the business and account transfer etc., needs to reappoint the mistake that transmits the appointment data of Gong checking and approving before the transaction with the service side and appraises and decides specified number.
When the appointment data that transmission Gong is checked and approved before the transaction of the appointment data that this same phone sends and account and service side's agreement is identical, will provide service for this transaction.
With reference to shown in Figure 5.Service terminal is realized transaction request sending the request instruction that needs to realize transaction to server according to account side operation, does system confirm earlier according to instruction whether the account bound and transmits the phone that appointment data Gong is checked and approved?
The system validation account does not have binding transtelephonic appointment data for what check and approve, points out the phone of answering newly-built transmission appointment data Gong to check and approve.
System validation account binding has the confession of transtelephonic appointment data to check and approve, or the account does not bind and do to transmit phone that appointment data Gong checks and approves, system has and receives newly-built work and transmit phone that appointment data Gong checks and approves, does system confirm account's mode whether locked transmission appointment data Gong is checked and approved again?
The account does not have locking to transmit mode that appointment data Gong checks and approves, does system recheck the phone that transmission appointment data that the account has bound or newly-built Gong checks and approves and could send or reception information? this phone can send or receive information, points out selectable mode to have: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.
The account is locked 4. reply appointment data to the designated pin treatment system for checking and approving, or this phone of system validation can send or receive information, after the prompting, receive selection 4. reply appointment data to the designated pin treatment system for checking and approving request, server is to its login terminal notifying designated pin treatment system, and the prompting phone that the account has bound or newly-built transmission appointment data Gong is checked and approved is received the transaction prompting that the designated pin treatment system is issued, reply correct appointment data information in the mode of return information and supply to check and approve, and immediate instruction designated pin treatment system transmits the Transaction Information prompting to the phone that the account binds or newly-built transmission appointment data Gong is checked and approved.
What the designated pin treatment system received that server transmits sends the transaction hint instructions to designated telephone, send the transaction prompting by instruction to designated telephone, when receiving the appointment data of answer, the phone of answer appointment data is read in time identification and the appointment data of answer transmits to server.
Does checking earlier have identical with the phone of account's binding or newly-built transmission appointment data in the reply party phone of the answer appointment data that the designated pin treatment system transmits during information that the designated pin treatment system of receiving server transmits?
All do not have identically with the phone of account's binding or newly-built transmission appointment data in the transmit leg phone of the answer appointment data that the designated pin treatment system of checking server transmits, prompting is replied correct appointment data for checking and approving to the designated pin treatment system again with the phone of account's binding or newly-built transmission appointment data.
Phone with account's binding or newly-built transmission appointment data in the reply party phone of the answer appointment data that the designated pin treatment system of repeatedly checking server transmits does not all have identical, and surpassed and before time transaction, transmitted stipulated number that appointment data Gong checks and approves, the appointment data of answer is not received in prompting repeatedly prompting all the time, will stop to provide the appointment data authorization services for this transaction of this account.
Phone with account's binding or newly-built transmission appointment data in the reply party phone of the answer appointment data that the designated pin treatment system of repeatedly checking server at the appointed time transmits does not all have identical, and surpassed and before time transaction, transmitted stipulated time that appointment data Gong checks and approves, the appointment data of answer is not received in prompting at the appointed time all the time, will stop to provide the appointment data authorization services for this transaction of this account.
Whether server is checked the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone replys and account and service side's agreement identical when having phone with account's binding or newly-built transmission appointment data identical in the transmit leg phone of the answer appointment data that the designated pin treatment system of checking server at the appointed time transmits?
It is not identical to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone replys and account and service side's agreement, the appointment data mistake that prompting is replied, and prompting is replied correct appointment data for checking and approving to the designated pin treatment system again with this phone.
It is not identical repeatedly to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone replys and account and service side's agreement, and the appointment data mistake of replying surpassed the stipulated number Gong checking and approving before time transaction, and prompting will stop that this prerequisite of concluding the business supplies the appointment data authorization services for this account.
It is not identical repeatedly to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone replys and account and service side's agreement, and surpassed before time transaction appointment data and transmit stipulated time of Gong checking and approving, prompting will stop to supply the appointment data authorization services for this transaction prerequisite of this account.
It is all the time not identical repeatedly to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone replys and account and service side's agreement, and the appointment data mistake of replying surpassed that transmission appointment data before the transaction of account and service side agreement supplies to check and approve appraise and decide wrong total degree the time, to stop to provide the appointment data authorization services for account transaction, this account need be realized concluding the business and account transfer etc., needs to reappoint the mistake that transmits the appointment data of Gong checking and approving before the transaction with the service side and appraises and decides specified number.
When the appointment data that transmission Gong is checked and approved before the transaction of the appointment data that this identical reply party is replied and account and service side's agreement is identical, will provide service for this transaction.
Claims (14)
- Before the transaction by the transtelephonic appointment data for checking and approving just the method that realizes, it is characterized in that service terminal receives the operation of account side and realize transaction request, server confirms earlier whether the account has bound the phone that the transmission appointment data Gong is checked and approved.
- 2. do you confirm according to claim 1 whether the account has bound the phone that the transmission appointment data Gong is checked and approved? the system validation account does not bind and transmits phone that appointment data Gong checks and approves, the phone that prompting answers newly-built transmission appointment data Gong to check and approve.
- 3. do you confirm according to claim 1 whether the account has bound the phone that the transmission appointment data Gong is checked and approved? the system validation account has binding to transmit phone that appointment data Gong checks and approves, or claim 2 account does not bind and transmits phone that appointment data Gong checks and approves, system has and receives phone that newly-built transmission appointment data Gong checks and approves, and system confirms account's mode whether locked transmission appointment data Gong is checked and approved again.
- 4. do you confirm account's mode whether locked transmission appointment data Gong is checked and approved again according to claim 3 system? the mode that system validation account non-locking transmission appointment data Gong is checked and approved, system confirms whether the phone that the account has bound or newly-built transmission appointment data Gong is checked and approved can send or reception information again.
- Can 5. do you confirm again that according to claim 4 system the phone that account's already bound or created transmission appointment data Gong is checked and approved send or reception information? this phone of system validation can send or receive information, prompting: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through; 3. sending appointment data supplies to check and approve to the designated pin treatment system; 4. replying appointment data supplies to check and approve to the designated pin treatment system.
- Can 6. do you confirm again that according to claim 4 system the phone that account's already bound or created transmission appointment data Gong is checked and approved send or reception information? this phone of system validation can not send or receive information, prompting: 1. key in appointment data for checking and approving by calling out after the designated pin treatment system is listened to voice suggestion; 2. key in appointment data for checking and approving by listening to voice suggestion behind the designated encryption processing system call through.
- 7. do you confirm again account's mode whether locked transmission appointment data Gong is checked and approved according to claim 3 system? 1. the system validation account has bound by calling out the designated pin treatment system and has listened to and key in appointment data after the voice suggestion for checking and approving, or this phone of claim 5 system validation can send or receive in the prompting of information, receiving selection 1. listens to and keys in appointment data after the voice suggestion for checking and approving request by calling out the designated pin treatment system, or this phone of claim 6 system validation can not send or receive in the prompting of information, receiving selection 1. listens to and keys in appointment data after the voice suggestion for checking and approving request by calling out the designated pin treatment system, the designated pin treatment system is pointed out to its service terminal by system, and the call designated pin treatment system connection conversation that prompting Gong is checked and approved with account's already bound or created transmission appointment data is listened to the correct appointment data of voice suggestion key entry for checking and approving.
- 8. do you confirm again account's mode whether locked transmission appointment data Gong is checked and approved according to claim 3 system? 2. the system validation account has bound by listening to voice suggestion behind the designated encryption processing system call through and has keyed in appointment data for checking and approving, or this phone of claim 5 system validation can send or receive in the prompting of information, receive selection and 2. key in appointment data for checking and approving request by listening to voice suggestion behind the designated encryption processing system call through, or this phone of claim 6 system validation can not send or receive in the prompting of information, receive selection and 2. key in appointment data for checking and approving request by listening to voice suggestion behind the designated encryption processing system call through, service system is to its registration terminal prompting designated pin treatment system, and the prompting account already bound or created phone that transmits appointment data is when receiving the designated pin treatment system and calling out, connect conversation and listen to the correct appointment data of voice suggestion key entry for checking and approving, reach instruction designated pin treatment system and call out immediately phone and the voice suggestion that already bound or created transmits appointment data.
- 9. do you confirm account's mode whether locked transmission appointment data Gong is checked and approved again according to claim 3 system? the system validation account bound 3. send appointment data to the designated pin treatment system for checking and approving, or this phone of claim 5 system validation can send or receive in the prompting of information, receive selection 3. send appointment data to the designated pin treatment system for checking and approving request, service system is to its login terminal notifying designated pin treatment system, and prompting sends correct appointment data for checking and approving with the phone that the account has bound or newly-built transmission appointment data Gong is checked and approved to the designated pin treatment system.
- 10. do you confirm account's mode whether locked transmission appointment data Gong is checked and approved again according to claim 3 system? the system validation account bound 4. reply appointment data to the designated pin treatment system for checking and approving, or this phone of claim 5 system validation can send or receive in the prompting of information, receive selection 4. reply appointment data to the designated pin treatment system for checking and approving request, service system is to its login terminal notifying designated pin treatment system, and prompting replys appointment data when receiving the information that the designated pin treatment system sends for checking and approving, and instruction designated pin treatment system is checked and approved prompting to the phone transmission that the account has bound or newly-built transmission appointment data Gong is checked and approved immediately.
- When 11. the designated pin treatment system is received the prompting operation instruction that server issues, carry out by this operational order, when receiving account's already bound or created and transmitting the appointment data of transtelephonic of appointment data, the phone of transmission appointment data and the appointment data of transmission are read in time identification, and transmit to server immediately.
- 12. have identical with the phone of account's already bound or created transmission appointment data in numerous transmission appointment data side phone that the designated pin treatment system of server, examining earlier according to the phone of numerous transmission appointment data side of claim 11 designated pin treatment system transmission and the appointment data of transmission transmits?Do not have identically with phone that account's already bound or created transmits appointment data in numerous transmission appointment data side phone that the designated pin treatment system of checking 12-1, server transmits, prompting transmits correct appointment data for checking and approving again;Phone with account's already bound or created transmission appointment data in numerous transmission appointment data side phone that the designated pin treatment system of repeatedly checking 12-2, server transmits does not all have identical, and surpassed and before time transaction, transmit stipulated number that appointment data Gong checks and approves, will stop to provide the appointment data authorization services for this transaction;Phone with account's already bound or created transmission appointment data in numerous transmission appointment data side phone that the designated pin treatment system of repeatedly checking 12-3, server at the appointed time transmits does not all have identical, and surpassed and before time transaction, transmit stipulated time that appointment data Gong checks and approves, will stop to provide the appointment data authorization services for this transaction;Whether have in numerous transmission appointment data side phone that the designated pin treatment system of checking 12-4, server transmits that to transmit the phone of appointment data identical with account's already bound or created, it is identical to check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone transmits and account and service side's agreement.
- 13. whether check the appointment data that transmission Gong is checked and approved before the transaction of appointment data that this same phone transmits and account and service side's agreement according to claim 12-4 server identical?The appointment data that this same phone of checking 13-1, server transmits is not identical with the appointment data that the front transmission of transaction of account and service side's agreement Gong is checked and approved, and the appointment data that prompting retransfers correct is for checking and approving;The appointment data that this same phone of repeatedly checking 13-2, server transmits is not identical with the appointment data that the front transmission of transaction of account and service side's agreement Gong is checked and approved, and surpassed and before time transaction, transmit stipulated number that appointment data Gong checks and approves, will stop to provide the appointment data authorization services for this transaction;The appointment data that this same phone of repeatedly checking 13-3, server at the appointed time transmits is not identical with the appointment data that the front transmission of transaction of account and service side's agreement Gong is checked and approved, and surpassed and before time transaction, transmit stipulated time that appointment data Gong checks and approves, will stop to provide the appointment data authorization services for this transaction;It is all the time not identical to transmit the appointment data of Gong checking and approving before the transaction of the appointment data that 13-4, server are repeatedly checked transmission and account and service side's agreement, and surpassed transmit before the transaction of account and service side agreement appointment data for check and approve appraise and decide total degree the time, to stop to provide the appointment data authorization services for account transaction, this account need be realized concluding the business and account transfer etc., needs to appraise and decide number of times with service side's mistake that transmits the appointment data of Gong checking and approving before the transaction of again reaching an agreement on;13-5, check appointment data that this same phone transmits and have that to transmit the appointment data of Gong checking and approving before the transaction with account and service side's agreement identical, will provide service for this transaction.
- 14. supply to check and approve the system that just realizes by the transtelephonic appointment data before the transaction, it is characterized in that operating system includes:Service terminal: be used to read account data and trading instruction, prompting is selected to confirm means of transportation and is selected load mode, transmit appointment data by the selection prompting by this mode, and the instruction that in time will operate transmits to server.And demonstration transmits reality and the transaction situation of appointment data.The designated pin treatment system: send prompting, reception information by instruction, voice suggestion the other side transmits correct appointment data after calling out designated telephone or receive the call through conversation by instruction; And with data and the transmission of direction of transfer server of receiving.Transmission network: be used to be connected in service terminal, designated pin treatment system and server.Be used to make the transmission of service terminal and the server data such as real-time command order feedback information between the two; Designated pin treatment system and the server transfer of data between the two is convenient to server to designated pin treatment system transmission prompting and instruction, also is convenient to the designated pin treatment system and transmits the data of receiving to server; Be implemented in phone and designated pin treatment system transmitting between the two by director data, phone can be called out the designated pin treatment system and listen to the voice suggestion key feeding cipher and send encrypted message to it, make things convenient for the designated pin treatment system to call out designated telephone and voice suggestion the other side key feeding cipher, and send account's login prompt and point out it to reply password to designated telephone.Server: the address that is useful for the login of record account number, time, mode and the time of transmitting appointment data, location address, the mode that transmits, the data and the sender that transmit, write the order of carrying out transaction, read the data of account's operating system, and check the phone of the transmission appointment data that the designated pin treatment system transmits and the sender binds with the account or whether the phone of newly-built transmission appointment data identical? whether the appointment data that transmits identical with the preceding appointment data of Gong checking and approving of transaction of account and the agreement of service side? the data that write with storage, the data of record and the data of checking etc.Phone: transmit appointment data by the voice prompting after being mainly used in reception information and answer or transmission information and called or the connection of calling designated treatment system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011100249627A CN102088523A (en) | 2010-08-13 | 2011-01-17 | System and method for realizing transaction by transmitting appointed data for approval before transaction |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010255372.0 | 2010-08-13 | ||
| CN2010102553720A CN101917528A (en) | 2010-08-13 | 2010-08-13 | System and method for realizing transaction steps by transmitting stipulated data for approval through telephone before transaction |
| CN2011100249627A CN102088523A (en) | 2010-08-13 | 2011-01-17 | System and method for realizing transaction by transmitting appointed data for approval before transaction |
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| Publication Number | Publication Date |
|---|---|
| CN102088523A true CN102088523A (en) | 2011-06-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010102553720A Pending CN101917528A (en) | 2010-08-13 | 2010-08-13 | System and method for realizing transaction steps by transmitting stipulated data for approval through telephone before transaction |
| CN2011100249627A Pending CN102088523A (en) | 2010-08-13 | 2011-01-17 | System and method for realizing transaction by transmitting appointed data for approval before transaction |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010102553720A Pending CN101917528A (en) | 2010-08-13 | 2010-08-13 | System and method for realizing transaction steps by transmitting stipulated data for approval through telephone before transaction |
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| CN (2) | CN101917528A (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104735651B (en) * | 2015-01-22 | 2018-07-06 | 庞己人 | A kind of method, system and device of securely communicating data |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030046094A1 (en) * | 2001-08-29 | 2003-03-06 | Manmeet Singh | Method using telecommunications device to make payments via an automatic electronic funds transfer network |
| CN1444163A (en) * | 2002-12-26 | 2003-09-24 | 程敏夫 | System having no need of using bankcard or bankbook to implement bank transaction and method |
| CN1916979A (en) * | 2005-08-16 | 2007-02-21 | 袁雷鸣 | Method and system for carrying out safety authentication by using communication terminal |
| CN101324969A (en) * | 2007-06-12 | 2008-12-17 | 陶正钰 | Method for adding financing security of credit card and bank card |
| CN101674183A (en) * | 2009-03-19 | 2010-03-17 | 庞己人 | System and method for logging on account by using communication telephones to transmit account password |
-
2010
- 2010-08-13 CN CN2010102553720A patent/CN101917528A/en active Pending
-
2011
- 2011-01-17 CN CN2011100249627A patent/CN102088523A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030046094A1 (en) * | 2001-08-29 | 2003-03-06 | Manmeet Singh | Method using telecommunications device to make payments via an automatic electronic funds transfer network |
| CN1444163A (en) * | 2002-12-26 | 2003-09-24 | 程敏夫 | System having no need of using bankcard or bankbook to implement bank transaction and method |
| CN1916979A (en) * | 2005-08-16 | 2007-02-21 | 袁雷鸣 | Method and system for carrying out safety authentication by using communication terminal |
| CN101324969A (en) * | 2007-06-12 | 2008-12-17 | 陶正钰 | Method for adding financing security of credit card and bank card |
| CN101674183A (en) * | 2009-03-19 | 2010-03-17 | 庞己人 | System and method for logging on account by using communication telephones to transmit account password |
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| Publication number | Publication date |
|---|---|
| CN101917528A (en) | 2010-12-15 |
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