CN102611813A - Telephone online bank device, telephone online bank system and telephone online trading method - Google Patents

Telephone online bank device, telephone online bank system and telephone online trading method Download PDF

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Publication number
CN102611813A
CN102611813A CN2011100255399A CN201110025539A CN102611813A CN 102611813 A CN102611813 A CN 102611813A CN 2011100255399 A CN2011100255399 A CN 2011100255399A CN 201110025539 A CN201110025539 A CN 201110025539A CN 102611813 A CN102611813 A CN 102611813A
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net silver
telephone
transaction information
telephone network
phone
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CN2011100255399A
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CN102611813B (en
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张文奇
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Nationz Technologies Inc
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Nationz Technologies Inc
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Abstract

The invention relates to a telephone online bank device, a telephone online bank system and a telephone online trading method. The telephone online bank device comprises a central processing unit (CPU), and a telephone signal interface, a voice synthesis module, a memorizer, a telephone online bank safety certification module and/or an expansion online bank safety certification interface which are connected with the CPU. According to the telephone online bank device, the telephone online bank system and the telephone online trading method, disclosed by the invention, a safety certification manner such as signature is carried out on telephone online trading information, so that the safety of a telephone online bank is obviously improved and the telephone online bank is good for further popularization.

Description

The telephone network snow cover is put, phone Net silver system and phone Net silver method of commerce
Technical field
The present invention relates to the communications field, relate in particular to that a kind of telephone network snow cover is put, phone Net silver system and phone Net silver method of commerce.
Background technology
Use based on the Internet online transaction system and authentication web system is more and more general; Network bank business based equipment of open internet such as Net silver USB KEY etc. are more and more universal, but equipment such as Net silver USB KEY require to arrange software when using; Need compare many operations; Therefore groups of people use difficultly, and that phone Net silver system uses is simple relatively, the user can resemble make a phone call to carry out together network bank business based; Therefore phone Net silver system can remedy the deficiency of other Net silver system, has certain customer group to exist.
Existing phone Net silver system uses phone directly to dial the bank service hot line by the user; Prompt tone according to the bank service hot line is operated; Method of operating is simple relatively, and the user confirms through the display screen display digit of telephone set both sides' number of the account of transaction.Existing phone Net silver system mainly is the phone Net silver cryptoguard of being set by the user aspect fail safe, and its fail safe is very low, and the transmission channel of phone Net silver is easy to monitored, and therefore is very easy to be cracked.
Now the crack method of phone Net silver system removes the monitoring, also has many other methods, has wherein a kind of easier method is whether the side of cracking can successfully transfer accounts with the checking side of transferring accounts and serve as reasons; Require account transfer side under the phone hands-free way; Whether the number of the account that provides to the side of cracking is changeed a yuan, see and can successfully transfer accounts, and record is the dialing sound of phone down; Through analyzing number of the account and the password that the dialing sound obtains the side of transferring accounts, thereby fund that easily will the side's of transferring accounts number of the account is stolen.
At present, the loss of having only the means such as dealing money of method and limiting telephone Net silver through call user's attention to prevent to be cracked and bring for the safety of phone Net silver, but this can not fundamentally solve the safety problem of phone Net silver.
In sum, there is the problem of poor stability in present phone Net silver, thereby has limited popularizing of phone Net silver.
Summary of the invention
Technical problem to be solved by this invention provides that a kind of telephone network snow cover is put, phone Net silver system and phone Net silver method of commerce, the fail safe that improves the phone Net silver.
For solving the problems of the technologies described above; The present invention proposes a kind of telephone network snow cover and put, comprise central processor CPU and the telephone signal interface that links to each other with this central processor CPU respectively, phonetic synthesis module, memory, phone Net silver security authentication module and/or expansion Net silver safety certification interface.
Further, said apparatus also can have following characteristics, also comprises the human-computer interaction module that links to each other with said central processor CPU.
Further, said apparatus also can have following characteristics, and said telephone signal interface comprises first telephone signal interface and second telephone signal interface.
For solving the problems of the technologies described above, the invention allows for a kind of telephone terminal, comprise that aforementioned each described telephone network snow cover puts.
For solving the problems of the technologies described above; The invention allows for a kind of phone Net silver system; Comprise that telephone terminal, aforementioned each described telephone network snow cover put and backstage authentication and treatment system; Said telephone terminal and the authentication of said backstage and treatment system are put with said telephone network snow cover through telephone network respectively and are linked to each other, and include authentication module in authentication of said backstage and the treatment system, and said authentication module is used for the phone Net silver Transaction Information that user side is submitted to is verified; Perhaps; Comprise the described telephone terminal of claim 4 and backstage authentication and treatment system; Said telephone terminal links to each other through telephone network with authentication of said backstage and treatment system; Include authentication module in authentication of said backstage and the treatment system, said authentication module is used for the phone Net silver Transaction Information that user side is submitted to is verified.
For solving the problems of the technologies described above; The present invention has proposed a kind of phone Net silver method of commerce based on aforementioned electric phone network silver system again; The phone Net silver Transaction Information that the user is submitted to carries out safety certification, uses phone Net silver Transaction Information completion phone through safety certification network bank business based then.
Further, said method also can have following characteristics, and said safety certification comprises that the telephone network snow cover is put said phone Net silver Transaction Information is signed, and backstage authentication and treatment system are carried out signature verification to the signature phone Net silver Transaction Information that receives.
Further, said method also can have following characteristics, and said safety certification comprises that the telephone network snow cover is put said phone Net silver Transaction Information is encrypted, and backstage authentication and treatment system are deciphered the network bank business based information of the scrambler phone that receives.
Further, said method also can have following characteristics, and before the phone Net silver Transaction Information that the user is submitted to carried out safety certification, the display unit that the user puts through the telephone network snow cover and button were confirmed the phone Net silver Transaction Information of submission.
Further; Said method also can have following characteristics; Before the phone Net silver Transaction Information that the user is submitted to carries out safety certification; The telephone network snow cover is put said phone Net silver Transaction Information is fed back to telephone terminal, the phone Net silver Transaction Information that the user confirms submission through the display unit and the button of telephone terminal.
Telephone network snow cover provided by the present invention is put, phone Net silver system and phone Net silver method of commerce, through the safety certification means such as phone Net silver Transaction Information being signed, has significantly improved the fail safe of phone Net silver, helps the further popularization of phone Net silver.
Description of drawings
The structure chart that Fig. 1 puts for telephone network snow cover in the embodiment of the invention;
The structure chart that Fig. 2 puts for telephone network snow cover in another embodiment of the present invention;
Fig. 3 is the structure chart of phone Net silver system in the embodiment of the invention;
Fig. 4 is the network bank business based flow chart of phone in the embodiment of the invention.
Embodiment
Below in conjunction with accompanying drawing principle of the present invention and characteristic are described, institute gives an actual example and only is used to explain the present invention, is not to be used to limit scope of the present invention.
The structure chart that Fig. 1 puts for telephone network snow cover in the embodiment of the invention.As shown in Figure 1; In the present embodiment; The telephone network snow cover is put 10 and is comprised central processor CPU 101, telephone signal interface 102, phonetic synthesis module 103, phone Net silver security authentication module 104,105 draws of expansion Net silver safety certification interface, and telephone signal interface 102, phonetic synthesis module 103, phone Net silver security authentication module 104, expansion Net silver safety certification interface 105 link to each other with CPU101 respectively with memory 106.The telephone network snow cover put 10 can realize telephone signal forwarding, the voice signal of telephone terminal is filtered, and final Transaction Information is signed and safety certification such as authentication, form and put the safety system of forming by telephone terminal and telephone network snow cover.Wherein, Telephone signal interface 102 be the telephone network snow cover put 10 with the interface of telephone network; Can be connected with other equipment (such as telephone terminal) through telephone network so that the telephone network snow cover is put, in concrete application, two telephone signal interfaces can be arranged generally; A telephone network that is used to connect telephone terminal side, another is used to connect the telephone network of backstage authentication and treatment system; Phonetic synthesis module 103 is used for providing phone network bank business based prompt tone to telephone terminal; Phone Net silver security authentication module 104 is used for that the phone Net silver Transaction Information that the user submits to is carried out safety certification to be handled, and this safety certification is handled and can be comprised signature, encryption or the like safety certification means; Expansion Net silver safety certification interface 105 can be expanded the higher Net silver authenticating device of level of security; For example USB KEY, bank card (for example contact bank CPU card, contactless bank CPU card) etc. can be realized the function of phone Net silver security authentication module 104 too.Possess at the same time under the situation of phone Net silver security authentication module and expansion Net silver safety certification interface, the user just can select to use phone Net silver security authentication module or use the combination of expanding Net silver safety certification interface and Net silver authenticating device to realize the function of safety certification.Certainly, in other embodiments of the invention, the telephone network snow cover is put one that can only comprise in phone Net silver security authentication module and the expansion Net silver safety certification interface, can realize the function of safety certification equally.Memory 106 can be used for stored program, data or be used for data cached etc.
" signature " index word signature described in this paper.
Here, the safety certification means that snow cover is put to telephone network further specify.The telephone network snow cover is put the phone Net silver Transaction Information of the user being submitted at user side (abbreviating phone Net silver Transaction Information as Transaction Information among the present invention) and has been adopted safety certification means, these safety certification means will cooperate the corresponding means of central apparatus end (being backstage authentication and the treatment system among this paper) could realize the authentication function to phone Net silver Transaction Information jointly.Preferably, the present invention can adopt the mode of digital signature to realize safety certification.Digital signature is present among the data message with electronic form, or as data its annex or associated with it in logic, can be used for data discrimination signer's identity, and shows the approval of signer to the information that comprises in the data message.The computing of two kinds of complementations of definition usually of one cover digital signature, one is used for signature, and another is used for checking.Briefly, digital signature is exactly some data that are attached on the data cell, or the cryptographic transformation that the data unit is done.This data or conversion allow the recipient of data cell in order to the source of affirmation data cell and the integrality and the protected data of data cell, prevent to be forged by people (for example recipient).The application process of digital signature is; The private key that the data source transmit leg uses oneself to the data verification with or other variablees relevant with data content carry out encryption; Completion is to legal " signature " of data; " digital signature " that the data receiver then utilizes the other side's PKI to understand to receive, and will understand the result and be used for the check to the data integrality, to confirm the legitimacy of signature.Digital signature has two kinds of effects: the one, can confirm message really by transmit leg signature and send because others' personation not the signature of transmit leg.The 2nd, digital signature can be confirmed the integrality of message.Represented the characteristic of file because the characteristics of digital signature are them, if file changes, the value of digital signature also will change.Different files will obtain different digital signature.
The telephone network snow cover is put and adopted signature is a preferred embodiment of the present invention as the safety certification means; But the telephone network snow cover is put the safety certification means that can adopt and is not limited thereto; The telephone network snow cover is put and can be adopted any safety certification means existing and that possibly occur later on; Certainly, center-side equipment (being backstage authentication and treatment system) must have corresponding with it authentication function, such as; The telephone network snow cover is put Transaction Information is encrypted, and center-side equipment just must be able to be deciphered Transaction Information so.
The structure chart that Fig. 2 puts for telephone network snow cover in another embodiment of the present invention.As shown in Figure 2; In the present embodiment, the telephone network snow cover is put 20 and is comprised first telephone signal interface 201, second telephone signal interface 202, AD/DA modular converter 203 (can think that AD/DA modular converter 203 is parts of first telephone signal interface 201), AD/DA modular converter 204 (can think that AD/DA modular converter 204 is parts of second telephone signal interface 202), program storage 205, data storage 206, volatile memory 207, phonetic synthesis module 208, phone Net silver security authentication module 209, CPU 210, expansion Net silver safety certification interface 211, human-computer interaction module 212.AD/DA modular converter 203, AD/DA modular converter 204, program storage 205, data storage 206, volatile memory 207, phonetic synthesis module 208, expansion Net silver safety certification interface 211, human-computer interaction module 212 link to each other with CPU 210 respectively.First telephone signal interface 201 links to each other with AD/DA modular converter 203, and second telephone signal interface 202 links to each other with AD/DA modular converter 204.The telephone network snow cover put 20 can realize telephone signal equally forwarding, the voice signal of telephone terminal is filtered, and final Transaction Information is signed and authentication, form and put the safety system of forming by telephone terminal and telephone network snow cover.It is thus clear that; Put with telephone network snow cover shown in Figure 1 and to compare; Also have memory (can comprise program storage, data storage, volatile memory etc.) and human-computer interaction module put in telephone network snow cover shown in Figure 2; Wherein human-computer interaction module is used to accomplish human-computer interaction function, puts and can the flow process and the details (for example number of the account, the amount of money, time etc.) of transaction clearly be showed the user through the snow cover of human-computer interaction module telephone network, is confirmed through the button of human-computer interaction module by the user; Certainly, the user also can show and affirmation through telephone terminal intrinsic human-computer interaction module and button.
In each embodiment of the present invention, the telephone network snow cover is put can be self-powered, also can be by externally fed.
It is thus clear that; Telephone network snow cover of the present invention is put and can be realized carrying out interactive telephone phonetic with telephone terminal; Realization is to the demonstration and the affirmation of Transaction Information, and can will pass through the Transaction Information of safety certification then and submit to backstage authentication and treatment system Transaction Information safety certification such as sign; The network bank business based fail safe of phone can be greatly improved, and the original characteristic and the convenience of phone Net silver can be kept.
The present invention also provides a kind of telephone terminal, includes aforesaid telephone network snow cover in this telephone terminal and puts.This telephone terminal is put aforesaid telephone network snow cover and is placed in the telephone terminal, makes the telephone network snow cover be set to a part into telephone terminal.Like this, telephone terminal just can possess the function that plain old telephone terminal and above-mentioned telephone network snow cover are put simultaneously.In this case, the man-machine interface that the human-computer interaction interface of telephone terminal can be simultaneously be put as the telephone network snow cover, certainly, the telephone network snow cover is put also still can use independently man-machine interface, and not with the shared same man-machine interface of telephone terminal.Telephone terminal of the present invention; Can be to Transaction Information safety certification such as sign; To pass through the Transaction Information of safety certification then and submit to backstage authentication and treatment system, and can greatly improve the network bank business based fail safe of phone, and can keep the original characteristic and the convenience of phone Net silver.
Fig. 3 is the structure chart of phone Net silver system in the embodiment of the invention.As shown in Figure 3; In the present embodiment; 30 systems of phone Net silver system comprise that telephone terminal 301, telephone network snow cover put 302 and backstage authentication and treatment system 303; The telephone network snow cover is put 302 and is linked to each other through telephone network respectively with telephone terminal 301 and backstage authentication and treatment system 303, includes authentication module (not shown among Fig. 3) in backstage authentication and the treatment system, and this authentication module is used for the phone Net silver Transaction Information that user side is submitted to is verified.
Wherein, telephone terminal 301 is common telephone terminals.The telephone network snow cover put 302 with telephone terminal 301 carry out communication through telephone network; This telephone network is common telephone network; This telephone network guarantees that mainly the telephone network snow cover puts 302 and the normal communication of 301 of telephone terminals; Realize putting 302 various operations through this telephone network, realize the whole flow process of transaction through 301 pairs of telephone network snow covers of telephone terminal.
Wherein, backstage authentication and treatment system 303 are the terminals that can conveniently carry out network bank business based authentication application, and the Transaction Information that 302 submissions are put in 303 pairs of telephone network snow covers of backstage authentication and treatment system carries out authentication and writes down transaction record.The safety certification function that authentication module in backstage authentication and the treatment system is used for putting with the telephone network snow cover matches; The common safety certification of accomplishing phone Net silver Transaction Information; For example; If the telephone network snow cover is put at the phone Net silver Transaction Information that the user is submitted to and is signed; After then backstage authentication and treatment system received the phone Net silver Transaction Information of signature, authentication module can carry out signature verification to the phone Net silver Transaction Information of this signature, encrypted if the telephone network snow cover is put at the phone Net silver Transaction Information that the user is submitted to; After then backstage authentication and treatment system received the phone Net silver Transaction Information of encryption, authentication module can be deciphered the phone Net silver Transaction Information of this encryption.The telephone network snow cover is put 302 and also is connected through telephone network with backstage authentication and treatment system 303, and this telephone network is general telephone network, the snow cover of principal security telephone network put 302 and backstage authentication and treatment system 303 between normal communication.
Using phone Net silver of the present invention system to carry out phone when network bank business based; The user at first submits to the telephone network snow cover through the telephone terminal Transaction Information that phone is network bank business based and puts; The telephone network snow cover is put the Transaction Information that the user is submitted to and is carried out safety certification; This safety certification can adopt signature, encryption or the like mode, then Transaction Information is through safety certification sent to backstage authentication and treatment system, and it is network bank business based to accomplish phone.Like this; When the safety certification means that the Transaction Information that the user is submitted to taked to encrypt were put in the telephone network snow cover, even the lawless person can intercept and capture Transaction Information, what intercept and capture also was to have added close ciphertext form; Can't get access to information such as account number, password, thereby can not cause damage the user.Moreover; When the telephone network snow cover is put the Transaction Information that the user is submitted to and has been taked the safety certification means of signature; Owing to have only the user to put through the telephone network snow cover to sign, the lawless person can't carry out the signature same with validated user to Transaction Information, can think that therefore every Transaction Information of having signed all is the Transaction Information that validated user is submitted to; And do not have the Transaction Information of signature to be considered to illegal; The Transaction Information that does not have signature is not handled, visible, this signature way also can guarantee user's phone Net silver transaction security.In the use of reality; The telephone network snow cover is put the Transaction Information that the user is submitted to and is carried out safety certification and can only adopt a kind of safety certification means; For example above-mentioned signature, encryption etc.; Also can adopt two kinds and two or more safety certification means simultaneously, the safety certification means also are not limited to signature and encrypt, and can be the safety certification means that possibly occur after any existing reaching.
It is thus clear that phone Net silver transaction system of the present invention has significantly improved the fail safe of phone Net silver through the safety certification means such as phone Net silver Transaction Information being signed, and helps the further popularization of phone Net silver.
In other embodiments of the invention; Phone Net silver system also can be made up of the telephone terminal that the telephone network snow cover puts and backstage authentication and treatment system of having of the present invention; Connect through telephone network between telephone terminal and backstage authentication and the treatment system; This kind phone Net silver system and phone Net silver system shown in Figure 3 have same function, can both be in order to realize following phone Net silver method of commerce.
On the basis of aforementioned electric phone network silver system; The invention allows for a kind of phone Net silver method of commerce; Promptly before the Transaction Information that uses the user to submit to is concluded the business; The phone Net silver Transaction Information that the user is submitted to carries out safety certification, then Transaction Information through safety certification is sent to backstage authentication and treatment system, and it is network bank business based to accomplish phone.As previously mentioned, safety certification can adopt modes such as signature, encryption, and is not limited to signature and encryption, and can be the safety certification means that possibly occur after any existing reaching.Owing in the network bank business based process of phone, added this link of safety certification, therefore can improve the network bank business based fail safe of phone widely.Come phone Net silver method of commerce of the present invention is described further through a concrete phone Net silver transaction flow below.
Fig. 4 is the network bank business based flow chart of phone in the embodiment of the invention.As shown in Figure 4, in the present embodiment, the network bank business based flow process of phone comprises:
Step 401, telephone terminal starts;
Step 402, startup is put in the telephone network snow cover, is connected with telephone terminal;
Step 403, the user is through the button incoming traffic type information of telephone terminal;
Step 404, telephone network snow cover are put wait, are received the push button signalling of telephone terminal input;
The push button signalling that step 405, telephone network snow cover are put through the telephone terminal that receives is judged type of service, if phone ebanking services execution in step 406 then, otherwise execution in step 412;
Step 406, telephone network snow cover are put automatic entering phone Net silver pattern;
Step 407, telephone network snow cover are put the prompting user and are imported Transaction Information;
The telephone network snow cover is put and is used the phonetic synthesis module that prompt tone is provided, and is transferred to the telephone terminal prompt tone through telephone network, and the user puts transmission Transaction Information through the button of telephone terminal to the telephone network snow cover according to the content of prompt tone.
Step 408, the user is according to the requirement input Transaction Information of prompt tone;
Step 409, telephone network snow cover are put the Transaction Information that receives user's input, show this Transaction Information, are confirmed by the user;
The telephone network snow cover is put can be through the Transaction Information of its human-computer interaction module explicit user that carries input, and the user confirms through the button of the human-computer interaction module that the telephone network snow cover is put.In other embodiments of the invention; Also can adopt following affirmation mode: the telephone network snow cover is put the Transaction Information that the user is submitted to and is fed back to telephone terminal through telephone network; The display unit that carries through telephone terminal shows Transaction Information, and the user confirms through the button of telephone terminal.
Step 410, telephone network snow cover are put confirming that through the user correct Transaction Information signs, and the Transaction Information after will signing is then issued backstage authentication and treatment system;
If the user confirms that the Transaction Information of importing is correct, the telephone network snow cover is put and can be signed through phone Net silver security authentication module.In this example, adopted the safety certification mode of signature, in other embodiments of the invention, also can adopt other safety certification mode, for example encrypted etc.
Step 411, it is network bank business based that backstage authentication and treatment system are accomplished phone, finishes;
After backstage authentication and treatment system are received the Transaction Information of signature, the Transaction Information of this signature is carried out signature verification, empirical tests confirms that the source of Transaction Information is legal, in other words sender's's (being the user) identity legal after, re-use this Transaction Information and accomplish transaction.If the telephone network snow cover is put Transaction Information is encrypted, after then backstage authentication and treatment system are received the Transaction Information of encryption, the Transaction Information of this encryption is deciphered, the Transaction Information that re-uses after the deciphering is accomplished transaction.
Step 412 gets into the telephonic communication pattern automatically.
Phone Net silver method of commerce of the present invention has been introduced the link of safety certification in traditional phone Net silver process of exchange; Because illegal interceptor can not forge the signature of actual user; The encryption key that does not also have the user; Make that the illegal interceptor of phone Net silver Transaction Information can not pseudo-Transaction Information of faking, even what intercept and capture is through encrypted ciphertext, can not cracks; Thereby guaranteed that the phone Net silver Transaction Information that the user submits to is not distorted in transmission course, improved the network bank business based fail safe of phone greatly.
It is thus clear that phone Net silver method of commerce of the present invention has significantly improved the fail safe of phone Net silver through the safety certification means such as phone Net silver Transaction Information being signed, and helps the further popularization of phone Net silver.
The above is merely preferred embodiment of the present invention, and is in order to restriction the present invention, not all within spirit of the present invention and principle, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims (10)

1. a telephone network snow cover is put; It is characterized in that, comprise central processor CPU and the telephone signal interface that links to each other with this central processor CPU respectively, phonetic synthesis module, memory, phone Net silver security authentication module and/or expansion Net silver safety certification interface.
2. telephone network snow cover according to claim 1 is put, and it is characterized in that, also comprises the human-computer interaction module that links to each other with said central processor CPU.
3. telephone network snow cover according to claim 1 is put, and it is characterized in that, said telephone signal interface comprises first telephone signal interface and second telephone signal interface.
4. a telephone terminal is characterized in that, comprises that each described telephone network snow cover of claim 1 to 3 puts.
5. phone Net silver system; It is characterized in that; Comprise that telephone terminal, each described telephone network snow cover of claim 1 to 3 put and backstage authentication and treatment system; Said telephone terminal and the authentication of said backstage and treatment system are put with said telephone network snow cover through telephone network respectively and are linked to each other, and include authentication module in authentication of said backstage and the treatment system, and said authentication module is used for the phone Net silver Transaction Information that user side is submitted to is verified; Perhaps; Comprise the described telephone terminal of claim 4 and backstage authentication and treatment system; Said telephone terminal links to each other through telephone network with authentication of said backstage and treatment system; Include authentication module in authentication of said backstage and the treatment system, said authentication module is used for the phone Net silver Transaction Information that user side is submitted to is verified.
6. phone Net silver method of commerce based on the described phone Net silver of claim 5 system; It is characterized in that; The phone Net silver Transaction Information that the user is submitted to carries out safety certification, uses phone Net silver Transaction Information completion phone through safety certification network bank business based then.
7. phone Net silver method of commerce according to claim 6; It is characterized in that; Said safety certification comprises that the telephone network snow cover is put said phone Net silver Transaction Information is signed, and backstage authentication and treatment system are carried out signature verification to the signature phone Net silver Transaction Information that receives.
8. phone Net silver method of commerce according to claim 6; It is characterized in that; Said safety certification comprises that the telephone network snow cover is put said phone Net silver Transaction Information is encrypted, and backstage authentication and treatment system are deciphered the network bank business based information of the scrambler phone that receives.
9. phone Net silver method of commerce according to claim 6 is characterized in that, before the phone Net silver Transaction Information that the user is submitted to carried out safety certification, the display unit that the user puts through the telephone network snow cover and button were confirmed the phone Net silver Transaction Information of submission.
10. phone Net silver method of commerce according to claim 6; It is characterized in that; Before the phone Net silver Transaction Information that the user is submitted to carries out safety certification; The telephone network snow cover is put said phone Net silver Transaction Information is fed back to telephone terminal, the phone Net silver Transaction Information that the user confirms submission through the display unit and the button of telephone terminal.
CN201110025539.9A 2011-01-24 2011-01-24 Telephone network the silver device, phone internet banking system and phone Net silver method of commerce Active CN102611813B (en)

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