CN1570928A

CN1570928A - Financial authentication security transaction system

Info

Publication number: CN1570928A
Application number: CN 03130408
Authority: CN
Inventors: 李继泽; 姚崇宇
Original assignee: Individual
Current assignee: Individual
Priority date: 2003-07-16
Filing date: 2003-07-16
Publication date: 2005-01-26
Also published as: WO2005008549A1

Abstract

The invention provides a financial authentication safe transaction system, which constructs the transaction flow of a payer and a payee into a two-stage shopping mode so as to improve the safety of financial transaction and add various service functions; the financial certification center and the authorized bank of the payer and the credit card united center are mutually in information communication certification system for connecting with financial transaction process data, the payer and the payee are provided with a communication device which is connected with the financial certification center and transmits the transaction data, from the beginning of consumption, the payee transmits the amount of the authorized data of the payer to the financial certification center for confirmation through a wired circuit, a wireless circuit and the Internet, the financial authorized password generated by the cash flow certification center through computer processing is transmitted to the communication device displayed on the payer, the payer transmits the authorized password of the financial certificate card to the payee for confirmation, and the authorized bank can contract and dial the money to complete financial safe transaction.

Description

The financial certification authority affaris safety trade system

One, technical field

The present invention relates to the Electronic Finance transaction system, relate in particular to a kind of financial certification authority affaris safety trade system that can effectively improve E-Security and service performance.

Two, background technology

Existing Electronic Finance transaction system, as shown in Figure 1, mainly comprise tripartite single such as consumer, shop and credit card issuing bank directly to transaction flow, when holding, the consumer goes to the shop or when the network online trading, the unique safeguard procedures that can do in shop are to confirm holder's identity earlier, and obtain the authorization code of credit card issuing bank by phone after, promptly finish transaction, this transaction flow, a stage that promptly is commonly called as shopping method.Because in process of exchange, the shop is for the checking of consumer's identity, carelessness perhaps truly has difficulty to verify sometimes, especially when concluding the business by the long distance on the ecommerce netting twine, so the situation that issuing bank refuses payment after regular meeting's generation transaction is finished.In recent years, the puppet card situation of credit card is spread unchecked in the trade market, wherein being no lack of criminal group, illegal shop or unworthy financier does, or work in collusion, it is also promising that each one steals card number privately, make pseudo-card and sell, seek unjustified enrichment or steal the brush amount of money etc., therefore often cause the great damage to property in shop; And issuing bank is in the middle of this kind mechanism of exchange, whether the precautionary measures that can do also only can consume this amount of money by contact staff's call voice notice inquiry consumer, still when finding that transaction is unusual, these all are to notify afterwards, the real no any help of its safety for when transaction; No matter so credit card really block and lose or suffer the people to steal the brush amount of money because of card number is stolen, its loss amount of money whether bear the dispute that often causes consumer, shop and interbank, even can face a charge in court, situation like that be to emerge in an endless stream.Trace it to its cause and to be attributed to the Electronic Finance transaction system of current stage shopping method, method own is a kind of method of mistake, because any voucher can be forged, the most refining IC credit card of that I guess existing design with anti-counterfeiting performance, when falling into his staff, still can stolenly brush by credit card, therefore the mechanism of exchange only according to the transaction voucher is insecure, and it is easy to cause the situation of damage to property to take place; In addition, the past relies on modes of doing business such as credit card or fiscard always, also allows financial transaction mechanisms be confined to all the time in the narrow credit card purchase market space.

In view of this, the inventor constantly studies at the multiple shortcoming of the Electronic Finance transaction system existence of current stage shopping method, with security, generalization that improves financial transaction mechanisms and service, design the present invention finally with high practical value with broadness.

Three, summary of the invention

Fundamental purpose of the present invention is to overcome the above-mentioned shortcoming that existing Electronic Finance transaction system exists, and provide a kind of financial certification authority affaris safety trade system, it adopts the two-stage shopping way, utilization is the instant finance card card licencing key that produces of combination at random, directly confirm by consumer's (paying party), feed back shop (beneficiary) again, confirm to finish transaction for last two time, thereby reach the financial transaction mechanisms of safe consumption; It is with the finance card card licencing key combination function of combined type, the maximum security function that win in authorized bank and consumer and shop three in the realization financial market; The generation of its transaction is not limited to credit card trade mechanism, and only need consumption identification license confirmation in system is errorless, all can finish transaction by one's own efforts, makes the application of financial transaction system more broad.

The objective of the invention is to realize by following technical scheme.

Financial certification authority affaris safety trade system of the present invention, it comprises: at least one is China Financial Certification Authority independently, this China Financial Certification Authority is built and is put an electronic databank with protective device, this electronic databank is for setting up authentication that management service is provided to consumer's (paying party) with shop (beneficiary) application, this electronic databank also is provided with the system program by the operation independent of Computer Processing, allocate one group of unique financial licencing key of instant generation by the random at random number of this program, this password is conveyed to consumer's (paying party), consumer's (paying party) is concluded the business according to this; This China Financial Certification Authority is mutually an information with consumer's's (paying party) authorized bank and credit card United Center respectively and is communicated with authentication system, and the contact of financial transaction process required information is provided according to this; This consumer (paying party) and shop (beneficiary) have at least one group respectively can be for the citation device of transmitting-receiving message, and this citation device is by world-wide web (or wired and do not have circuit) and the online transmission transaction data of China Financial Certification Authority; Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process system is initial to shop (beneficiary) consumption by consumer's (paying party), shop (beneficiary) earlier authorizes consumer's (paying party) the data amount of money to be sent to the China Financial Certification Authority affirmation by world-wide web (or wired and do not have circuit), this China Financial Certification Authority instant financial licencing key that produces of machine processing as calculated transmits the citation device that is apparent in consumer's (paying party) immediately, then should send shop (beneficiary) affirmation to by the finance licencing key by consumer's (paying party), authorized bank can examine and allocate fund according to the appointment, finishes the Secure Transaction of finance.

Aforesaid financial certification authority affaris safety trade system, wherein financial licencing key is good with 8 to 16 figure place sign indicating numbers.

Aforesaid financial certification authority affaris safety trade system, wherein the citation device in consumer and shop be PDA (the radio zone net, GSM, PHS), mobile phone (GSM, GPRS) or computing machine (Internet, GSM, PHS).

Aforesaid financial certification authority affaris safety trade system, wherein the authentication authority in consumer's (paying party) when transaction is for being enough to provide the numbering of the China Financial Certification Authority authenticating transactions person credit number that identity can be concluded the business, financial card number, identification card number, passport card number.

Financial certification authority affaris safety trade system of the present invention, it comprises: at least one is China Financial Certification Authority independently, this China Financial Certification Authority is built and is put an electronic databank with protective device, and this electronic databank sets up authentication to provide management service to reach putting on record for consumer's (paying party) and shop (beneficiary) application and issues the functional form password box that consumer's (paying party) has the multiple function parameter simultaneously; This database also is provided with the operation independent system program by Computer Processing, the random at random number of this program is allocated one group of the instant generation licencing key of " staggering in the multidigit space ", this licencing key is conveyed to consumer's (paying party), for in consumer's (paying party) hand voluntarily with the default functional form password box combined type finance licencing key that compound composition one exchange needs of filling a vacancy, conclude the business according to combined type finance licencing key; This China Financial Certification Authority is mutually an information with consumer's's (paying party) authorized bank and credit card United Center respectively and is communicated with authentication system, so that the contact of financial transaction process required information to be provided; Consumer's (paying party) and shop (beneficiary) have at least one group of citation device for the transmitting-receiving message respectively, and this citation device is by world-wide web (or wired and do not have circuit) and the online transmission transaction data of China Financial Certification Authority; Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process is initial to shop (beneficiary) consumption by consumer's (paying party), and shop (beneficiary) earlier authorizes consumer's (paying party) the data amount of money to be sent to the China Financial Certification Authority affirmation by world-wide web (or wired and do not have circuit); This gold stream authentication center financial licencing key of machine processing generation as calculated transmits the citation device that is apparent in consumer's (paying party) immediately, then select the functional form password box of one group of parameter voluntarily by consumer's (paying party), the financial licencing key of one group of combined type of compound composition, after sending shop (beneficiary) affirmation to, paying party authorized bank promptly examines and allocates fund according to the appointment, finishes the Secure Transaction of finance.

Aforesaid financial certification authority affaris safety trade system, wherein financial licencing key is good with 8 to 16 figure place sign indicating numbers, combination is just inserted in regular turn for the password of functional form password box in the multidigit of this licencing key space of staggering.

Aforesaid financial certification authority affaris safety trade system, the wherein numbering of the credit number that can conclude the business for the China Financial Certification Authority authentication for foot of the authentication authority in consumer's (paying party) when transaction, financial card number, identification card number, passport card number.

Aforesaid financial certification authority affaris safety trade system, wherein the functional form password box is redefined for the parameter with special delegated authority service order by China Financial Certification Authority, this parameter and the combination of finance card card licencing key constitute the required given transaction content of consumer's (paying party).

Aforesaid financial certification authority affaris safety trade system, it is characterized in that, described functional form password box comprises that is redefined for the parameter with warning emergency resuce instruction by China Financial Certification Authority, finish process of exchange when this parameter is seized on both sides by the arms for consumer's (paying party) person, circulate a notice of army and police unit by the contact staff of China Financial Certification Authority and go to the loco rescue rapidly.

The invention has the beneficial effects as follows: comprise at least one independently China Financial Certification Authority, it is built and puts the electronic databank with protective device, set up the management service of authentication for consumer's (paying party) with shop (beneficiary) application, this database is provided with the system program of Computer Processing operation independent, allocate one group of unique finance card card licencing key of instant generation by the random at random number encoder of this program and pass to consumer's (paying party), conclude the business according to this; This China Financial Certification Authority also needs to be mutually an information with consumer's's (paying party) authorized bank and credit card United Center and is communicated with authentication system, and the contact of financial transaction process required information is provided according to this; Consumer's (paying party) and shop (beneficiary) have at least one citation device for the transmitting-receiving message respectively, and this citation device can be by world-wide web (or wired and do not have circuit) and the online transmission transaction data of China Financial Certification Authority; Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process is initial to shop (beneficiary) consumption by consumer's (paying party), shop (beneficiary) earlier authorizes consumer's (paying party) the data amount of money to be sent to the China Financial Certification Authority affirmation by world-wide web (or wired and do not have circuit), this gold stream authentication center instant finance card card licencing key that produces of machine processing as calculated transmits the citation device that is apparent in consumer's (paying party) immediately, then by this consumer (paying party) should finance the licencing key of card card send shop (beneficiary) to and confirm, authorized bank promptly examines and allocates fund according to the appointment and finishes the Secure Transaction of finance.Financial certification authority affaris safety trade system of the present invention, it constitutes new mechanism of exchange and flow process, can overcome the shortcoming that existing stage shopping method exists, wherein, the authentication authority in consumer's (paying party) when transaction, credit number, financial card number, identification card number, passport card number etc. are various such as can conclude the business for the China Financial Certification Authority authentication codes, indubitable, financial certification authority affaris safety trade system usage space of the present invention is extremely broad, is not limited to the credit card purchase behavior; Moreover the present invention adopts the two-stage shopping way, and its utilization finance card clip pin that can not be substituted of combination is at random confirmed for two times to finish transaction, becomes the financial transaction mechanisms of current safe consumption; Again, the present invention can reach the three maximum security functions of winning between shop in the financial market, authorized bank and the consumer by having the combined type finance card clip pin of combination function parameter; Has higher industry using value.

Four, description of drawings

Fig. 1 is the transaction flow synoptic diagram of existing Electronic Finance transaction system.

Fig. 2 is the block schematic diagram of financial certification authority affaris safety trade system of the present invention.

Fig. 3 is the block schematic diagram of system authentication operation of the present invention.

Fig. 4 is the schematic flow sheet of two-stage shopping operation of the present invention.

Fig. 5 is the operating process synoptic diagram of two-stage password combination of the present invention.

Fig. 6 is the rescue mechanism schematic flow sheet of the relevant non-spontaneous transaction of the present invention.

Fig. 7 is the schematic flow sheet of the relevant provisional licensing scheme of the present invention.

Number in the figure explanation: 1 consumer (or paying party), 2 shops (or beneficiary), 1A citation device, 2A citation device, 3 world-wide webs, 4 China Financial Certification Authorities, 4A Computer Processing, A finance card card licencing key, 5 authorized banks, 6 credit card United Centers, 7 functional form password boxes, 8 army and police units.

Five, embodiment

Consult shown in Figure 2, financial certification authority affaris safety trade system of the present invention, mainly be that independently China Financial Certification Authority 4 and each tame authorized bank 5, credit card United Center 6 are construed as a kind of financial transaction mechanisms of two-stage shopping way by world-wide web (or wired and do not have circuit) 3 and with the transaction in consumer's (paying party) 1 and shop (beneficiary) 2, improve E-Security, and increase the multifunctionality of its use; Wherein this China Financial Certification Authority 4 is built and is installed an electronic databank with protective device, provide consumer's (paying party) 1 and shop (beneficiary) 2 applications to set up the management service of authentication according to this, this database is provided with the system program of Computer Processing 4A operation independent, allocate one group of unique financial licencing key A of generation by the random number code of this program and convey to consumer's (paying party) 1 immediately, conclude the business according to this; Again, this finance card card licencing key A is good with 8 to 16 figure place sign indicating numbers.

This China Financial Certification Authority 4 is mutually an information with consumer's (paying party) 1 authorized bank 5 and credit card United Center 6 respectively and is communicated with authentication system, provides the financial transaction process required contact data according to this.

This consumer (paying party) 1 has at least one group respectively with shop (beneficiary) 2 can be for citation device 1A, the 2A of transmitting-receiving message, and this

citation device

1A, 2A can be by world-wide web (or wired and do not have circuit) 3 and China Financial Certification Authority 4 online transmission transaction datas; Wherein,

citation device

1A, 2A can for PDA (the radio zone net, GSM, PHS), mobile phone (GSM, GPRS) or computing machine (Internet, GSM, PHS).

Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process is initial to shop (beneficiary) 2 consumption by consumer's (paying party) 1, after this shop (beneficiary) 2 authorizes consumer's (paying party) 1 the data amount of money to be sent to China Financial Certification Authority 4 affirmations by world-wide web 3 earlier, this China Financial Certification Authority 4 unique finance card card licencing key A of machine processing 4A generation as calculated transmits the citation device 1A that is apparent in consumer's (paying party) 1 immediately, then the finance card card licencing key A that will be authorized by consumer's (paying party) 1 again sends shop (beneficiary) 2 to, to prevent that the process of exchange password is stolen, promptly finish in case confirm the back transaction, this authorized bank 5 can examine and allocate fund according to the appointment; Learn thus, native system adopts confirms trade mode two times of the two-stage, can prevent effectively that the drawback of stealing the brush amount of money from taking place, because the password of concluding the business each time is not (the random number encoder of computer random) fixed, and must be after user's true identity be confirmed, can finish the last trade flow process, so can guarantee being perfectly safe of whole mechanism of exchange.

Put on record to apply for it being multi-direction user about the authentication of aforementioned China Financial Certification Authority 4, please cooperate shown in Figure 3, the user comprises consumer's (paying party) 1, desires such as shop (beneficiary) 2 are by the object of this financial sector transaction, all need before the use earlier to China Financial Certification Authority 4 registration of putting on record, comprise: authentication (individual, tissue, company, the row number or the like the proof), authorize amount authentication (cash in banks, financial statement), password receives authentication (registration of citation device), business state authentication (item to manage), mechanism of exchange authentication (registration of citation device) or the like, the relevant authentication data of putting on record can be increased and decreased adjustment according to the action need of China Financial Certification Authority 4; When user (user) finishes the registration of putting on record, China Financial Certification Authority 4 is authorized to 1 one groups of this consumers (paying party) and is comprised that the functional form password box 7 of multiple functional parameter is standby, and issue this shop (beneficiary) 2 one trading units unique encoding code names, manipulating of relevant consumer (paying party) multiple function type password box 7 held the back and introduced.

Brought forward is described, because China Financial Certification Authority 4 is when authentication is put on record, the functional form password box 7 of authorizing the multiple function parameter for consumer's (paying party) 1 is standby, therefore in the operation of native system transaction flow, more can select the higher work pattern of following security to carry out, now cooperate shown in Figure 4, details are as follows: this system operation, be the transaction flow that is built into a kind of two-stage shopping way by above-mentioned Internet equally, this flow process is concluded the business to initial beginning of shop (beneficiary) 2 consumption by consumer's (paying party) 1 equally, shop (beneficiary) 2 is earlier with consumer's (paying party) 1 mandate data and desire dealing money, be sent to after China Financial Certification Authority 4 confirms by world-wide web (or wired and do not have circuit), this China Financial Certification Authority 4 machine is as calculated handled and to be produced a kind of shown in Fig. 5 grid immediately and have the financial licencing key A of the 16 figure place sign indicating numbers that stagger in several spaces, and transmitting the citation device 1A that is apparent in consumer's (paying party) 1 immediately, one group of functional form password box 7 of being decided in its sole discretion by this consumer (paying party) 1 carries out the compound one group of complete financial licencing key of forming; Then will authorize the financial licencing key A of combined type to send this shop (beneficiary) 2 to by this consumer (paying party) 1 again,, promptly finish in case confirm the back transaction, and authorized bank 5 can examine and allocate fund according to the appointment to prevent that password is stolen in the process of exchange.

Learn thus, native system is confirmed trade mode two times of the aforementioned identical two-stage except adopting, and can prevent effectively that the drawback of stealing the brush amount of money from taking place, because the password of concluding the business each time all revocable (weaving into immediately) by the random at random number of computer program, the complete of financial licencing key A of simultaneously last combined type weaved into, the one group of parameter combinations of consumer's (paying party) 1 owned functional form password box 7 of still needing could constitute, the ownership of therefore relevant licencing key is on top of consumer's (paying party) 1, after the identity that also has real user only is proved, just can finish transaction flow at last, definitely avoid the generation of the situation of usurping, effectively guarantee being perfectly safe of whole mechanism of exchange.

The finance card card licencing key A of aforementioned relevant combined type cooperates its default functional form password box 7 by consumer's (paying party) 1, divide compound formation of two-stage, this functional form password box 7 preestablishes into different parameters in China Financial Certification Authority 4 exploitations, carry out specific function commands according to the appointment and have respectively, its method of operating is enumerated and is described as follows:

At first, consult shown in Figure 5, wherein, consumer's (paying party) 1 receives the financial licencing key A that sends from China Financial Certification Authority 4 by with oneself entrained citation device 1A for the transmitting-receiving message, this organizes financial licencing key A shown in the figure medium square, be the sixteen bit space, what wherein show is 12 random at random number encoders that produced by the instant computing of financial licencing key A system program; " 1356789013_56 " shown in the legend for example, the lattice place that blanks in advance of staggering in the middle of this coding promptly provides the functional form password box 7 with four parameters that consumer's (paying party) 1 fills input required function parameter voluntarily; For example " 0517 " shown in the legend, like this by consumer's (paying party) 1 compound voluntarily " 1035567890113756 " complete combined type finance licencing key A that forms, the financial licencing key A of this combined type sends hotel owner's (beneficiary) 2 to by the citation device 1A emission of carrying then, or directly via this hotel owner (beneficiary) 2 citation device 2A input validation, transaction is promptly finished like this, and authorized bank 5 can examine and allocate fund according to the appointment.

Secondly, consult shown in Figure 6ly, the parameter of aforementioned functional type password box 7 also can be configured to " special emergency rescue sign indicating number " function according to the appointment, for example shows in the legend " 0000 "; Promptly extort to force and carry out situation that nonautonomy consumption withdraws the money when taking place when this consumer (paying party) 1 person is limited in hotel owner's (beneficiary) 2 by the bandit, though consumer's (paying party) 1 receives one group of financial licencing key A with ten two-bit digital codes " 135678901356 " and four the blank lattice that stagger as hereinbefore equally, but because the grasp of the ownership of last composite coding is own consumer's (paying party) 1, therefore this consumer (paying party) 1 waits situation collocation " 0000 " the emergency relief parameter that can't learn to import blank lattice seizing bandit people on both sides by the arms, and form the combined type finance licencing key A that hides rescue instruction " 1030567890103056 " voluntarily, though this China Financial Certification Authority 4 can be obligated funds to the other side confirming to finish transaction; But, in process of exchange, this China Financial Certification Authority 4 is learning that consumer's (paying party) 1 instruction signal simultaneously, the nearest army and police unit 8 in meeting this office in transaction place of emergency interconnection immediately, in the very first time, go to rescue to handle, so can increase substantially the Personal Safety of consumer's (paying party) 1 transaction.

Moreover, as shown in Figure 7, wherein, also can be configured to " promptly heighten the function of authorizing amount, for example show in the legend " 0911 " according to agreement about the parameter of aforementioned functional type password box 7; Promptly be in specific occasions such as desiring to take the vehicles in the airport harbour as consumer's (paying party) 1, it finds to authorize under the not enough situation of amount possibility, consumer's (paying party) is though the 1 finance card that receives " 135678901356 " too blocks licencing key A, but, consumer's (paying party) 1 promptly heightens the parameter " 0911 " of authorizing amount because itself importing voluntarily, the finance card card licencing key A that can form a urgent authorized order " 1039567890113156 ", this China Financial Certification Authority 4 still can be agreed and finish transaction and obligate funds to the other side, but, should gold stream authentication center 4 add the service fee that meter is heightened mandate afterwards.

The transaction flow of the parameter designing embodiment of the above-mentioned functional form password box of enumerating and " two-stage shopping way ", the technician of the sector, can be according to the design that allows on spirit of the present invention and the function, merge or segmented again and the simplification of various mode of operation and flow process or complicated etc. with regard to its service parameter, instruction, system, the change of using, but these possible equivalence changes belong to design concept of the present invention; Service centre according to the spirit of the manner of execution of China Financial Certification Authority system among the present invention is set up includes in the protection domain of the present patent application patent.

The above, it only is preferred embodiment of the present invention, be not that the present invention is done any pro forma restriction, every foundation technical spirit of the present invention all still belongs in the scope of technical solution of the present invention any simple modification, equivalent variations and modification that above embodiment did.

Claims

1, a kind of financial certification authority affaris safety trade system, it is characterized in that, comprise: at least one is China Financial Certification Authority independently, this China Financial Certification Authority is built and is put an electronic databank with protective device, this electronic databank sets up authentication that management service is provided for giving paying party and beneficiary application, this electronic databank also is provided with the system program by the operation independent of Computer Processing, allocate one group of unique financial licencing key of instant generation by the random at random number of this program, this password is conveyed to paying party, paying party is concluded the business according to this; This China Financial Certification Authority is mutually an information with the authorized bank of paying party and credit card United Center respectively and is communicated with authentication system, and the contact of financial transaction process required information is provided according to this; This paying party and beneficiary have at least one group respectively can be for the citation device of transmitting-receiving message, and this citation device is by world-wide web and the online transmission transaction data of China Financial Certification Authority; Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process system is initial to beneficiary consumption by paying party, beneficiary is sent to China Financial Certification Authority with the paying party mandate data amount of money by world-wide web earlier and confirms, this China Financial Certification Authority instant financial licencing key that produces of machine processing as calculated transmits the citation device that is apparent in paying party immediately, then should send the beneficiary affirmation to by the finance licencing key by paying party, authorized bank can examine and allocate fund according to the appointment, finishes the Secure Transaction of finance.

2, financial certification authority affaris safety trade system according to claim 1 is characterized in that, described financial licencing key is good with 8 to 16 figure place sign indicating numbers.

3, financial certification authority affaris safety trade system according to claim 1 is characterized in that, the citation device in described consumer and shop is PDA radio zone net, mobile phone or computing machine.

4, financial certification authority affaris safety trade system according to claim 1, it is characterized in that the authentication authority the during transaction of described paying party is for being enough to provide the numbering of the China Financial Certification Authority authenticating transactions person credit number that identity can be concluded the business, financial card number, identification card number, passport card number.

5, a kind of financial certification authority affaris safety trade system, it is characterized in that, comprise: at least one is China Financial Certification Authority independently, this China Financial Certification Authority is built and is put an electronic databank with protective device, and this electronic databank sets up authentication that management service is provided for paying party and beneficiary application and issues the functional form password box that paying party has the multiple function parameter simultaneously putting on record; This database also is provided with the operation independent system program by Computer Processing, the random at random number of this program is allocated one group of the instant generation licencing key of " staggering in the multidigit space ", this licencing key is conveyed to paying party, for in the paying party hand voluntarily with the default functional form password box combined type finance licencing key that compound composition one exchange needs of filling a vacancy, conclude the business according to combined type finance licencing key; This China Financial Certification Authority is mutually an information with the authorized bank of paying party and credit card United Center respectively and is communicated with authentication system, so that the contact of financial transaction process required information to be provided; Paying party and beneficiary have at least one group of citation device for the transmitting-receiving message respectively, and this citation device is by world-wide web and the online transmission transaction data of China Financial Certification Authority; Be built into a kind of transaction flow of two-stage shopping way by above-mentioned Internet, this flow process is initial to beneficiary consumption by paying party, and beneficiary is sent to China Financial Certification Authority with the paying party mandate data amount of money by world-wide web earlier and confirms; This gold stream authentication center financial licencing key of machine processing generation as calculated transmits the citation device that is apparent in paying party immediately, then select the functional form password box of one group of parameter voluntarily by paying party, the financial licencing key of one group of combined type of compound composition, after sending the beneficiary affirmation to, paying party authorized bank promptly examines and allocates fund according to the appointment, finishes the Secure Transaction of finance.

6, financial certification authority affaris safety trade system according to claim 5 is characterized in that, described financial licencing key is good with 8 to 16 figure place sign indicating numbers, and combination is just inserted in regular turn for functional form password box password in the multidigit of this licencing key space of staggering.

7, financial certification authority affaris safety trade system according to claim 5, it is characterized in that the numbering of the credit number that the authentication authority the during transaction of described paying party can be concluded the business for the China Financial Certification Authority authentication for foot, financial card number, identification card number, passport card number.

8, financial certification authority affaris safety trade system according to claim 5, it is characterized in that, described functional form password box is redefined for the parameter with special delegated authority service order by China Financial Certification Authority, and this parameter and the combination of finance card card licencing key constitute the required given transaction content of paying party.

9, financial certification authority affaris safety trade system according to claim 5, it is characterized in that, described functional form password box comprises that is redefined for the parameter with warning emergency resuce instruction by China Financial Certification Authority, finish process of exchange when this parameter is seized on both sides by the arms for paying party person, circulate a notice of army and police unit by the contact staff of China Financial Certification Authority and go to the loco rescue rapidly.