CN1394067A - Network bank pay system using telephone's incoming display as dynamic encrypting code - Google Patents
Network bank pay system using telephone's incoming display as dynamic encrypting code Download PDFInfo
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- CN1394067A CN1394067A CN 01119849 CN01119849A CN1394067A CN 1394067 A CN1394067 A CN 1394067A CN 01119849 CN01119849 CN 01119849 CN 01119849 A CN01119849 A CN 01119849A CN 1394067 A CN1394067 A CN 1394067A
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- 238000012790 confirmation Methods 0.000 claims description 2
- 238000012546 transfer Methods 0.000 abstract description 5
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- 238000000034 method Methods 0.000 description 1
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Abstract
The payment system of the network bank includes the network bank, the user's computer, the dynamic cryptographic center and the user's hand set. The dynamic cryptographic center provides the cipher code for the user's handset. The bank code name and the user account number and the cipher code are transmitted to the network bank. The user through the user's computer and network transfers the bank code name, user account number, the number of the user's handset and the cipher code, those being as the payment check code, to the network bank. With the said data being checked, the network bank carries out the payment. Since the cipher code is generated randomly and dynamically and is used immediately so that the system is very safe and trusty.
Description
The present invention relates to telecommunication and network field, particularly the secret operating system of Web bank.
All there are many problems in the online financial institution of present Web bank etc. aspect payment; utilize the Credit Card Payments usually can be, and the fixed password mode of generally using also can be lost because of fixed password is stolen because of the online stolen user of making of credit card information suffers a loss.Therefore, the network security payment is a urgent problem.
Purpose of the present invention is to provide a kind of Web bank's payment system of new dynamic security personnel's encryption method, and is all safer to bank to the user when user is paid on the net.
The object of the present invention is achieved like this, adopt a kind of like this Web bank payment system, include Web bank (1), user computer (2), particularly also include dynamic password center (3), and user mobile phone (4), wherein, dynamic password center (3) is by the incoming call application of user mobile phone (4), provide password (31) to user mobile phone (4), dynamic password center (3) is transferred to Web bank (1) with transit number and user account (40) and subscriber phone number (41) and password (31), the user also is transferred to Web bank (1) with transit number and user account (40) and subscriber phone number (41) and password (31) as the payment check code by user computer (2) through network, pay after Web bank (1) confirmation, otherwise do not pay.
Such Web bank's payment system has realized purpose of the present invention.
Web bank of the present invention payment system has simple in structure, advantage easy to use, adopted dynamic password with using the mode of then using immediately with producing in addition, the confidentiality fail safe is fabulous, therefore, the means of payment be can get, the development of Web bank and the development of shopping online business promoted for online credit card payment and fixed password online payment.
This specification comprises that Fig. 1 describes.
Fig. 1 is the structure of Web bank of the present invention payment system and the schematic illustration of running.
Below in conjunction with accompanying drawing, feature of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structure of Web bank of the present invention payment system and the schematic illustration of running, shown in the figure, native system includes Web bank (1), user computer (2), dynamic password center (3), user mobile phone (4), wherein, dynamic password center (3) can be wired and/or the wireless telephone company computer apparatus, and dynamic password center (3) can be provided with three phones, one one is the external phone (39) of open reception application, for example number is 852-2211-4466, yard phone (38) that supplies that provides dynamic password, and one one is to answer ring back (37) that customer transaction finishes, ring back (37) can not be provided with separately yet, three phones are controlled by preset program by telephone operator's computer apparatus, and described preset program mainly is the program after receiving the beginning of user mobile phone (4) incoming call.In telephone operator's computer apparatus, be provided with dynamic password storehouse (36), there are a plurality of dynamic passwords inside, each application to each user therefrom provides a dynamic password (31), and, this dynamic password is can a telephone number, the meaning here is, telephone number is 8 bit digital, this dynamic password (31) also is 8 bit digital, passes to user mobile phone (4) with a confession sign indicating number phone (38) with the form of telephone number, or issues user mobile phone (4) with the mobile phone short message mode, user mobile phone (4) utilizes incoming call display function, obtains the dynamic password of sending here with the telephone number form for sign indicating number phone (38) (31).In telephone operator's computer apparatus, also be provided with short message processing unit (35), short message processing unit (35) can be passed to the short message that includes transit number and user account (40) and subscriber phone number (41) and dynamic password (31) of user's input the Web bank (1) of appointment.
A performance is as described below, the user connects Web bank (1) by user computer (2) through network, input name in an account book number of the account and fixed password and the content that requires service, for example transfer accounts 2000 yuan and go to certain company, afterwards, the user phones dynamic password center (3) by mobile phone (4), promptly dial the external phone (39) at dynamic password center (3), this phone is to be specifically designed to the telephone for special use that receives the user applies dynamic password, receive that phone just is judged to be the application of the dynamic password (3) that claims, for example subscriber phone number is 9090-6688, externally phone (39) is according to caller identification, know user applies is arranged, subscriber phone is 9090-6688 (41), telephone operator's computer apparatus is by preset program, provide a dynamic password (31) by dynamic password storehouse (36), for example be 2366-3388 (31), this number is by issuing user mobile phone (4) for sign indicating number phone (38), the user learns password 2366-3388 (31) according to the caller identification of user mobile phone (4), utilize the short message form transit number and user account (40) and password (31) to be passed to dynamic password center (3) immediately by its mobile phone (4), short message processing unit (35) in the dynamic password center (3) is passed to the Web bank (1) of appointment with the short message that includes transit number and user account (40) and subscriber phone number (41) and password (31) that is about to user's input, simultaneously, the user also passes to the information of user account (40) and subscriber phone number (41) and password (31) Web bank (1) that carries out to his service by user computer (2), the subscriber phone number (41) that Web bank (1) can send dynamic password center (3) according to user account is checked with the above-mentioned number that the user sends mutually with password (31), be consistent, transfer accounts and carry out, inconsistent, transfer accounts and do not carry out, carried out if transfer accounts, Web bank (1) can notify the user with the form of the breath of sending short messages, also can reply dynamic password center (3) by network by Web bank (1), transaction is finished, dynamic password center (3) utilizes its ring back (37) to issue user mobile phone (4) one predetermined information, it for example is the telephone number of (37) of ringing back, the user sees this number, and just the bosom friend easily finishes.
Among the present invention, user mobile phone (4) also can be a landline telephone.Dynamic password center (3) also can be to add two phones or several phones constitute by a powerful computer or computer apparatus.
System safety of the present invention is reliable, so can be applied widely.
Claims (9)
1, a kind of Web bank payment system, include Web bank (1), user computer (2), particularly, also include dynamic password center (3), and user mobile phone (4), wherein, dynamic password center (3) is by the incoming call application of user mobile phone (4), provide password (31) to user mobile phone (4), dynamic password center (3) is transferred to Web bank (1) with transit number and user account (40) and subscriber phone number (41) and password (31), the user also is transferred to Web bank (1) with transit number and user account (40) and subscriber phone number (41) and password (31) as the payment check code by user computer (2) through network, pay after Web bank (1) confirmation, otherwise do not pay.
2, bank payment system according to claim 1 is characterized in that, dynamic password center (3) can be wired and or wireless telephone company computer apparatus.
3, bank payment system as claimed in claim 1 or 2, it is characterized in that, dynamic password center (3) can be provided with three phones, one one is the external phone (39) of open reception application, yard phone (38) that supplies that provides dynamic password, one one is to answer ring back (37) that customer transaction finishes, and three phones are controlled by preset program by telephone operator's computer apparatus.
4, as bank payment system as described in claim 1 or 2 or 3, it is characterized in that, be provided with dynamic password storehouse (36) in telephone operator's computer apparatus, therefrom provide a dynamic password (31), via the user mobile phone (4) of passing to application for sign indicating number phone (38) to each application of each user.
5, as bank payment system as described in claim 1 or 2 or 3, it is characterized in that, be provided with short message processing unit (35) in telephone operator's computer apparatus, short message processing unit (35) is passed to the short message that includes transit number and user account (40) subscriber phone number (41) and password (31) of user's input the Web bank (1) of appointment.
6, bank payment system according to claim 1 is characterized in that, the user utilizes the short message form that transit number and user account (40) and password (31) are passed to dynamic password center (3) by its mobile phone (4).
7, bank payment system according to claim 1 is characterized in that its user mobile phone (4) also can be a landline telephone.
8, bank payment system according to claim 1 is characterized in that its dynamic password (31) can be a telephone number.
9, bank payment system according to claim 1 is characterized in that dynamic password center (3) also can be to add two phones by a computer to constitute.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01119849 CN1394067A (en) | 2001-07-02 | 2001-07-02 | Network bank pay system using telephone's incoming display as dynamic encrypting code |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01119849 CN1394067A (en) | 2001-07-02 | 2001-07-02 | Network bank pay system using telephone's incoming display as dynamic encrypting code |
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| Publication Number | Publication Date |
|---|---|
| CN1394067A true CN1394067A (en) | 2003-01-29 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 01119849 Pending CN1394067A (en) | 2001-07-02 | 2001-07-02 | Network bank pay system using telephone's incoming display as dynamic encrypting code |
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| CN (1) | CN1394067A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2005079050A1 (en) * | 2004-01-20 | 2005-08-25 | Kamfu Wong | A-computer accounting system with a lock using in a bank and the corresponding method used for secure payment by phone |
| CN1323538C (en) * | 2003-12-12 | 2007-06-27 | 华中科技大学 | A method and system for dynamic identity authentication |
| CN100342356C (en) * | 2004-09-14 | 2007-10-10 | 乐金电子(中国)研究开发中心有限公司 | Mobile communication terminal and its control method having on-line banking function |
| CN101072105B (en) * | 2007-05-21 | 2011-05-11 | 腾讯科技（深圳）有限公司 | Network identity authenticating method and system |
| CN101447872B (en) * | 2007-11-27 | 2011-09-28 | 阿里巴巴集团控股有限公司 | User identity authentication method, system thereof and identifying code generating maintenance subsystem |
| CN101399569B (en) * | 2007-09-30 | 2013-07-03 | 联想(北京)有限公司 | Method and system for using mobile terminal as input device of computer |
| CN109729057A (en) * | 2017-10-31 | 2019-05-07 | 中国电信股份有限公司 | Identifying code sending method, system and relevant device |
-
2001
- 2001-07-02 CN CN 01119849 patent/CN1394067A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1323538C (en) * | 2003-12-12 | 2007-06-27 | 华中科技大学 | A method and system for dynamic identity authentication |
| WO2005079050A1 (en) * | 2004-01-20 | 2005-08-25 | Kamfu Wong | A-computer accounting system with a lock using in a bank and the corresponding method used for secure payment by phone |
| CN100342356C (en) * | 2004-09-14 | 2007-10-10 | 乐金电子(中国)研究开发中心有限公司 | Mobile communication terminal and its control method having on-line banking function |
| CN101072105B (en) * | 2007-05-21 | 2011-05-11 | 腾讯科技（深圳）有限公司 | Network identity authenticating method and system |
| CN101399569B (en) * | 2007-09-30 | 2013-07-03 | 联想(北京)有限公司 | Method and system for using mobile terminal as input device of computer |
| CN101447872B (en) * | 2007-11-27 | 2011-09-28 | 阿里巴巴集团控股有限公司 | User identity authentication method, system thereof and identifying code generating maintenance subsystem |
| US8320540B2 (en) | 2007-11-27 | 2012-11-27 | Alibaba Group Holding Limited | Verifying user identity using a reverse caller ID process |
| CN109729057A (en) * | 2017-10-31 | 2019-05-07 | 中国电信股份有限公司 | Identifying code sending method, system and relevant device |
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