CN103903129B - A kind of funds transfer system realized based on short message mode and method - Google Patents
A kind of funds transfer system realized based on short message mode and method Download PDFInfo
- Publication number
- CN103903129B CN103903129B CN201210585049.9A CN201210585049A CN103903129B CN 103903129 B CN103903129 B CN 103903129B CN 201210585049 A CN201210585049 A CN 201210585049A CN 103903129 B CN103903129 B CN 103903129B
- Authority
- CN
- China
- Prior art keywords
- short message
- money transfer
- withdrawal
- money
- processing platform
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of funds transfer system realized based on short message mode and method, first money transfer request is initiated by remitter in proxy terminal, proxy terminal initiates remittance short message according to the money transfer request data of remitter to money transfer transactions processing platform, fund corresponding with money transfer amount in proxy terminal electronic account is transferred to platform clectronic account by money transfer transactions processing platform according to remittance short message, and sends withdrawal short message to remittee；Withdrawn the money afterwards by remittee by withdrawal short message to proxy terminal, proxy terminal initiates withdrawal short message according to the withdrawal request data of remittee to money transfer transactions processing platform, fund corresponding with withdraw funds in platform clectronic account is transferred to proxy terminal electronic account by money transfer transactions processing platform according to withdrawal short message, and remittee obtains its withdrawal in proxy terminal.With it, user can realize remittance withdrawal business at proxy terminal nearby by short message mode, solves the problems, such as the remittance of under-developed area, and this method cost is low, efficiency high.
Description
Technical field
The present invention relates to electronic banking field, and in particular to a kind of funds transfer system realized based on short message mode and method.
Background technology
At present, network Development is rapid, and in big city, people can use network mode, or handle remittance to business hall site
Money, the business such as transfer accounts, but in some remote mountain villages, and undeveloped country of the third world, PC and lobby site are often
Do not cover, it is also higher to establish lobby cost, and it is very inconvenient to handle money transfer transactions, this just there is an urgent need to it is a kind of just
Prompt, low cost solution.The present invention exactly proposes a kind of remittance realized based on short message short message mode regarding to the issue above
Money system and method.
The content of the invention
For defect present in prior art, it is an object of the invention to provide a kind of remittance realized based on short message mode
Money method and system, money transfer transactions are realized by short message mode.
To achieve the above object, the technical solution adopted by the present invention is as follows：
A kind of funds transfer system realized based on short message mode, including：
Proxy terminal：Remittance short message is initiated to money transfer transactions processing platform for the money transfer request data according to transferor,
According to the withdrawal request data of beneficiary withdrawal short message is initiated to money transfer transactions processing platform；Sms center：It is wireless for providing
Air network completes the reception and forwarding of short message, and described proxy terminal is money transfer agent terminal when being used to remit money, for withdrawing the money
Shi Zewei withdrawal proxy terminals；
Money transfer transactions processing platform：For the remittance short message according to money transfer agent terminal by money transfer agent terminal electronic account
In money transfer amount be transferred to platform clectronic account；According to the withdrawal short message of withdrawal proxy terminal by withdraw funds by platform clectronic account
Family is transferred to withdrawal proxy terminal electronic account, and sends withdrawal notifying messages to remittee according to remittance short message.
Further, a kind of funds transfer system realized based on short message mode as described above, described proxy terminal pass through it
Intellective IC card and mobile terminal send remittance short message and withdrawal short message to money transfer transactions processing platform.
A kind of money transfer method realized based on short message mode, is comprised the following steps：
(1) remitter initiates money transfer request in proxy terminal, and money transfer agent terminal is according to the money transfer request data of remitter
Remittance short message is initiated to money transfer transactions processing platform；
(2) money transfer transactions processing platform according to remittance short message, by money transfer agent terminal electronic account with money transfer amount pair
The fund answered is transferred to platform clectronic account, and sends withdrawal notifying messages to remittee；
(3) remittee withdraws the money by withdrawal notifying messages to withdrawal proxy terminal, and withdrawal proxy terminal is according to remittee's
Withdrawal request data initiate withdrawal short message to money transfer transactions processing platform；
(4) money transfer transactions processing platform is according to withdrawal short message, by fund corresponding with withdraw funds in platform clectronic account
It is transferred to withdrawal proxy terminal electronic account.
Further, a kind of money transfer method realized based on short message mode as described above, in step (1), described remittance
Request data includes remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number.
Further, a kind of money transfer method realized based on short message mode as described above, in step (2), described withdrawal
Notifying messages include withdraw funds, transaction sequence number, disposable identifying code and sender name.
Further, a kind of money transfer method realized based on short message mode as described above, in step (3), described withdrawal
Short message includes money transfer amount, transaction sequence number, disposable identifying code and sender name；Described withdrawal request data include
Remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and withdrawal
The amount of money.
Further, a kind of money transfer method realized based on short message mode as described above, in step (3), remittee loses
During withdrawal notifying messages, remittee provides checking data of withdrawing the money to withdrawal proxy terminal, and withdrawal proxy terminal is verified according to withdrawing the money
Data send short message enquiry to money transfer transactions processing platform, and money transfer transactions processing platform carries out weight after revene lookup to short message enquiry
Newly withdrawal notifying messages are sent to remittee；Described withdrawal checking data include sender name, remitter's cell-phone number, withdrawn the money
People's name and remittee's cell-phone number.
Further, a kind of money transfer method realized based on short message mode as described above, money transfer agent terminal is to remittance industry
It is engaged in before processing platform transmission remittance short message or withdrawal short message, identity registration is carried out to the server of money transfer transactions processing platform.
Further, a kind of money transfer method realized based on short message mode as described above, money transfer agent terminal is to remittance industry
When processing platform transmission remittance short message or the withdrawal short message of being engaged in, money transfer transactions processing platform can carry out identity to money transfer agent terminal
Checking, confirm whether proxy terminal is lawful agencies terminal.
Further, a kind of money transfer method realized based on short message mode as described above, service process platform is to generation of remitting money
Reason terminal carry out authentication concrete mode be：
Money transfer transactions processing platform and the symmetric master key that 16 bytes are respectively preserved in the intelligent IC of money transfer agent terminal
PINMK；
When money transfer agent terminal sends short message, intellective IC card is disperseed using IMSI to PINMK, generates PIN sub-keys,
And the PIN of money transfer agent terminal is encrypted using PIN sub-keys to obtain PIN ciphertexts；
When money transfer agent terminal carries out identity registration, money transfer transactions processing platform uses sends short message with money transfer agent terminal
When identical AES the PIN of proxy terminal is encrypted, and PIN ciphertexts are saved in the clothes of money transfer transactions processing platform
It is engaged in device；
When carrying out authentication to money transfer agent terminal, it is close to contrast the PIN preserved in money transfer transactions processing platform server
Whether the PIN ciphertexts that text generates when sending short message with money transfer agent terminal are consistent, are that lawful agencies are whole if being then verified
End；It is illegal proxy terminal if otherwise authentication failed, Fail Transaction.
Further, a kind of money transfer method realized based on short message mode as described above, is divided PINMK using IMSI
The scattered detailed process into sub-key is：
1) it is made to be filled into the digital Y of one 16 the left benefits one " 0 " of IMSI；
2) hexadecimal number using Y as 8 bytes, Y ' is obtained with the full F of 8 bytes hexadecimal number step-by-step XOR；
3) Y is obtained into Z ' with 3DES-ECB mode encryptions using symmetric master key；
4) Y ' is obtained into Z " with 3DES-ECB mode encryptions using symmetric master key；
5) Z ' and Z " connections are obtained into sub-key Z.
Further, a kind of money transfer method realized based on short message mode as described above, is added using sub-key to PIN
Close concrete mode is：
A. the hexadecimal representation of the PIN of user's input ASCII character is X, and 1 " 80 " byte is added in X low order end,
" 00 " that some bytes are supplemented in low order end obtains Y1, make Y after supplement1Message length be 8 bytes integral multiple；
B. using sub-key with 3DES-ECB mode encryptions by Y1Encryption obtains PIN ciphertexts when proxy terminal sends short message
Z1。
Further, a kind of money transfer method realized based on short message mode as described above, money transfer agent terminal is to remittance industry
The short message that business processing platform is sent, and money transfer transactions processing platform are added to the short message that money transfer agent terminal is sent using symmetrical
Decrypt and calculate the security mechanism of MAC check codes.
Further, a kind of money transfer method realized based on short message mode as described above, the concrete mode of short message encryption and decryption
For：The intellective IC card of money transfer agent terminal respectively preserves the N groups symmetric key and AES of agreement with money transfer transactions processing platform,
And using the cipher key index of random number way generation N group symmetric keys；
SMS encryption mode：Encryption side selectes cipher key index, and short message is added using the key corresponding to cipher key index
It is close, encrypted message body is obtained, and cipher key index is assigned in heading；
Short message manner of decryption：Decryption side takes out the cipher key index in heading, takes out what is locally preserved according to cipher key index
Counterpart keys；Encrypted message body is decrypted using counterpart keys, obtains short message in plain text；
When money transfer agent terminal sends remittance short message and withdrawal short message, the intellective IC card of money transfer agent terminal is encryption side,
Money transfer transactions processing platform is decryption side；When money transfer transactions processing platform sends short message to money transfer agent terminal, money transfer transactions
Processing platform is encryption side, and the intellective IC card of money transfer agent terminal is decryption side.
Further, a kind of money transfer method realized based on short message mode as described above, the calculating of described MAC check codes
And verification mode is：The M groups MAC that the intellective IC card of money transfer agent terminal respectively preserves agreement with money transfer transactions processing platform is symmetrically close
Key and AES, and using the MAC cipher key index of random number way generation M group MAC symmetric keys；
When calculating MAC：Calculating side selectes MAC cipher key index, is added using MAC symmetric keys pair corresponding to MAC cipher key index
MAC value is calculated in secret report style, while MAC cipher key index is assigned in heading, and MAC value is assigned into the knot in encrypted message body
Tail；
When verifying MAC：Verification side takes out the MAC cipher key index in heading, and local preserve is taken out according to MAC cipher key index
MAC symmetric keys, encrypted message body is calculated MAC value, and the MAC value that comparing calculation obtains using MAC counterpart keys
Whether the MAC value calculated with sender is identical, if then verifying successfully, it is legal to receive message；If otherwise verification failure, is illegal
Message；
Described sender is the intellective IC card of money transfer agent terminal, and verification side is money transfer transactions processing platform.
Further, a kind of money transfer method realized based on short message mode as described above, symmetrical encryption and decryption is carried out to short message
And after calculating MAC check codes, short message is carried out to cascade short message treatment mechanism, the concrete mode of short message cascade processing is：
For short message sending side：Heading, encrypted message body and verification MAC are integrally subjected to cascade processing as message,
Short message is split according to the bearing capacity of setting byte, a plurality of short message message is obtained, a plurality of short message message is sent one by one；
And short message batch number, short message sum and short message index are assigned in short message head is cascaded；
For short message receiver：Short message batch number, short message sum and current short message index in cascade short message head will
The a plurality of short message message received is assembled, and obtains complete note data.
Further, a kind of money transfer method realized based on short message mode as described above, the form of described short message is level
Join the mode of short message head and the combination of short message message；Cascading short message head includes short message batch number, short message sum and current short message index；
Short message message includes heading, encrypted message body and check code MAC.
Further, a kind of money transfer method realized based on short message mode as described above, remitter are whole by money transfer agent
The concrete mode remitted money is held to be：
Money transfer agent terminal initiates remittance short message according to money transfer request data to money transfer transactions processing platform；
Money transfer transactions processing platform carries out cascade processing to remittance short message, obtains complete note data；
MAC verifications are carried out to note data；
By the way that encrypted message body is decrypted after verification to obtain short message clear data；
Authentication is carried out to proxy terminal；
After money transfer agent terminal is by authentication, by transaction journal number come judge transaction whether be repeat business, if
It is then to return to notifying messages to money transfer agent terminal, if otherwise by proxy terminal electronic account corresponding to money transfer agent terminal
Fund is transferred to platform clectronic account；
Remittance result is sent to money transfer agent terminal and remitter by money transfer transactions processing platform, and is sent and taken to remittee
Money short message.
Further, a kind of money transfer method realized based on short message mode as described above, remittee are acted on behalf of by withdrawing the money
Terminal withdraw the money concrete mode be：
Remittee provides withdrawal request data to withdrawal proxy terminal, and withdrawal proxy terminal is according to withdrawal request data to remittance
Money service process platform initiates withdrawal short message；Described withdrawal request data include：Remitter's cell-phone number, sender name, take
Money people cell-phone number, remittee's name, transaction sequence number, disposable identifying code and withdraw funds；
Money transfer transactions processing platform is handled the cascade of withdrawal short message, obtains complete note data；
MAC verifications are carried out to note data；
By the way that encrypted message body is decrypted after verification to obtain short message clear data；
Authentication is carried out to withdrawal proxy terminal；
After withdrawal proxy terminal is by authentication, by transaction journal number come judge transaction whether be repeat business, if
It is then to return to notifying messages to withdrawal proxy terminal, if otherwise verifying the correctness of withdrawal request data；
Judge whether disposable identifying code is expired, if then Fail Transaction, if otherwise by the correspondence in platform clectronic account
Fund is transferred to withdrawal proxy terminal electronic account；
Withdrawal result is sent to withdrawal proxy terminal and remitter by money transfer transactions processing platform, and withdrawal proxy terminal is withdrawn the money
The amount of money gives remittee with cash base.
Further, a kind of money transfer method realized based on short message mode as described above, in step (3), remittee loses
When having lost withdrawal notifying messages, the concrete mode that withdrawal notifying messages are reacquired to money transfer transactions processing platform is：
Remittee provides checking data of withdrawing the money to withdrawal proxy terminal, and withdrawal proxy terminal is sent out to money transfer transactions processing platform
Play short message enquiry；Service process platform carries out cascade processing to request short message, obtains complete note data；
Mac authentication is carried out to note data；
By the way that encrypted message body is decrypted after mac authentication, short message is obtained in plain text；
Authentication is carried out to withdrawal proxy terminal；
After withdrawal proxy terminal is by authentication, whether inquire about with the presence of the transaction do not withdrawn the money, if otherwise sending notice
Short message is to withdrawal proxy terminal；If then judging whether disposable identifying code is expired, identifying code is updated if expired to remittee
New withdrawal short message is sent, again by withdrawal short message sending to remittee if not out of date, and returns result to withdrawal agency
Terminal.
The beneficial effects of the present invention are：, should the invention provides the money transfer method and system realized based on short message mode
Method and system only need development to possess the proxy terminal of mobile terminal to can be realized as remitting money, the remittance for solving under-developed area
Money problem, its cost is low, safety is high, and user completes to converge by short message associated safety relevant information can from proxy terminal nearby
Money withdrawal business, improves remittance efficiency, reduces cost, especially particularly useful to remote mountain areas and information under-developed area.
Brief description of the drawings
Fig. 1 is a kind of system structure diagram for the funds transfer system realized based on short message mode of the present invention；
Fig. 2 is a kind of flow chart for the money transfer method realized based on short message mode of the present invention；
Fig. 3 is the schematic diagram that proxy terminal PIN is encrypted in embodiment；
Fig. 4 is flow chart of being remitted money in embodiment；
Fig. 5 is flow chart of being withdrawn the money in embodiment；
Fig. 6 is the flow chart of withdrawal revene lookup when remittee loses withdrawal notifying messages in embodiment.
Embodiment
With reference to Figure of description, the present invention is described in further detail with embodiment.
The English abbreviation and its corresponding English full name that are arrived applied in present embodiment and Chinese full name are as follows：
IC Integrated Circuit Card integrated circuit cards
PC Personal Computer PCs
MO SMS Mobile Originated Short Message uplink short messages (short message that mobile terminal is initiated)
MT SMS Mobile Terminated Short Message downlink short messages (short message for being sent to mobile terminal)
PIN Personal Identification Number people's recognition codes
MK Master Key master keys
UK User Key user keys
MAC Message Authentication Code message authority's codes
DES Data Encryption Standard data encryption standards
The international mobile use of IMSI International Mobile Subscriber Identification Number
Family identification code
Method and system of the present invention are realized based on short message mode, and this method and system solve remittance, taken
The problems such as money and inquiry transaction, remittance is realized in a manner of sending short message the intellective IC card and mobile terminal of proxy terminal
Money.Some concepts being related in present embodiment：
Proxy terminal：The service agent of short message money transfer transactions is opened, by its intellective IC card and mobile terminal to remittance
Service process platform sends money transfer transactions short message, while is provided with corresponding proxy terminal electronic account, for proxy terminal
Capital management；Proxy terminal is both money transfer agent terminal and withdrawal proxy terminal.
Money transfer transactions processing platform：The service process platform of common carrier, what proxy terminal can be related in operator
Short message money transfer transactions are handled in site, and are registered to the Service Process Server of service process platform；Money transfer transactions processing is flat
Platform is additionally provided with corresponding platform clectronic account, for transferring accounts for money transfer transactions processing platform and proxy terminal.
Fig. 1 shows a kind of structure chart for the funds transfer system realized based on short message mode of the present invention, and the system mainly includes
Three network element nodes：
Proxy terminal：Remittance short message is initiated to money transfer transactions processing platform for the money transfer request data according to transferor,
According to the withdrawal request data of beneficiary withdrawal short message is initiated to money transfer transactions processing platform；Described money transfer request data include
Remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's cell-phone number；Described withdrawal request data
Including remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable identifying code and
Withdraw funds；Proxy terminal sends remittance short message and withdrawal by its intellective IC card and mobile terminal to money transfer transactions processing platform
Short message
Sms center：The reception and forwarding of short message are completed for providing wireless air network；
Money transfer transactions processing platform：For the remittance short message according to proxy terminal by the remittance in proxy terminal electronic account
The amount of money is transferred to platform clectronic account；Withdraw funds are transferred to eventually by agency by platform clectronic account according to the withdrawal short message of proxy terminal
Electronic account is held, and withdrawal notifying messages are sent to remittee according to remittance short message.
As shown in fig. 1, when remitter remits money to remittee, remitter is only needed to deliver remittance at the proxy terminal of location
Cash, remittee's can take remittance cash at proxy terminal from nearby in another area, by short message security related information
Go out, be conveniently accomplished remittance function.The realization of the system, Zhi Xu operators open short message money transfer transactions, and development possesses mobile whole
The proxy terminal at end, proxy terminal is after outlet of operator handles short message money transfer transactions, you can conveniently realizes with short message
Based on money transfer transactions.The proxy terminal of present embodiment, its tool can be applied in common carrier site by agent
There are intellective IC card and the mobile terminal of mobile remittances function to realize.
Fig. 2 shows a kind of flow chart of money transfer method realized based on short message mode based on system described in Fig. 1, should
Method mainly includes the following steps that：
Step S11：Proxy terminal is short to money transfer transactions processing platform initiation remittance according to the money transfer request data of remitter
Letter；
Remitter initiates money transfer request in proxy terminal, and proxy terminal is according to the money transfer request data of remitter to remittance industry
Business processing platform initiates remittance short message；Described money transfer request data include remittee's cell-phone number, remittee's name, remittance gold
Volume, sender name and remitter's cell-phone number.
Short message money transfer transactions project is opened in the realization of this method, first operator, is set up money transfer transactions processing platform, is possessed
The proxy terminal of mobile terminal handles short message money transfer transactions in outlet of operator, and opens its corresponding proxy terminal electronics
Account.In practical operation, the concrete mode that proxy terminal handles short message money transfer transactions is：
The first step, proxy terminal handle short message money transfer transactions in common carrier outlet, sign service protocol and pay
Receive remittance cash pledge；Before i.e. proxy terminal sends remittance short message or withdrawal short message to money transfer transactions processing platform, to money transfer transactions
The server of processing platform carries out identity registration；
Second step, proxy terminal activate request short message in terminal originating service, and money transfer transactions processing platform is to proxy terminal
Authenticated, business carried out open-minded, and establishing proxy terminal electronic account corresponding to proxy terminal from the background；
3rd step, proxy terminal receive the successful short message prompt of activation, can be that domestic consumer completes remittance, withdraws the money, withdraws the money
The business such as revene lookup.
Handling the proxy terminal of short message money transfer transactions can remit money, and can also withdraw the money, i.e., proxy terminal is simultaneously money transfer agent
Terminal and withdrawal proxy terminal.Wherein proxy terminal when handling short message money transfer transactions, it is necessary to set proxy terminal password, i.e. generation
Terminal PIN PIN is managed, when proxy terminal signs service protocol in business hall, sets business operation password PIN, agency is eventually
, it is necessary to input PIN code first when end is applied using the money transfer transactions of mobile terminal, service menu can be just seen, then remitted money,
The business operations such as withdrawal.
After proxy terminal opens short message money transfer transactions, remitter's cash payment at neighbouring proxy terminal is remitted money,
In remittance, remitter needs to provide following money transfer request data to proxy terminal：Remittee's cell-phone number, remittee's name, show
Golden (money transfer amount+service charge), sender name, remitter's cell-phone number.Afterwards, proxy terminal according to remitter's request data to
The money transfer transactions processing platform of operator initiates the remittance short message application of money transfer request, when proxy terminal sends remittance short message, converges
In money short message in addition to including above-mentioned money transfer request data, in addition to provided by proxy terminal IC-card for money transfer transactions each time
Transaction journal number, the transaction journal number per transaction are incremented by.Need input proxy terminal close when proxy terminal operates in the present invention
Code is proxy terminal PIN PIN, that is, before carrying out money transfer transactions, money transfer transactions processing platform is firstly the need of to proxy terminal
Identity verified.
Step S12：Money transfer transactions processing platform carries out account transfer, and send and withdraw the money to remittee according to remittance short message
Notifying messages；
After money transfer transactions processing platform receives the remittance short message of proxy terminal, identity is carried out to proxy terminal first and tested
Card, it is determined whether be lawful agencies terminal, by fund corresponding with money transfer amount in proxy terminal electronic account after being verified
Platform clectronic account is transferred to, remittance result short message is returned into money transfer agent terminal and remitter, while send and take to remittee
Money notifying messages；Described withdrawal notifying messages include withdraw funds, transaction sequence number, disposable identifying code and remitter's surname
Name.Wherein, transaction sequence number is generated by operation system i.e. money transfer transactions processing platform, for identifying a money transfer transactions, is converged
Money service process platform generates a corresponding transaction sequence number for every money transfer request, and the withdrawal for being issued to remittee is short
In letter.During withdrawal, withdrawal proxy terminal need to be gone up and this transaction sequence number is included in the withdrawal request data of hair, and money transfer transactions processing is flat
Platform money transfer transactions according to corresponding to being retrieved this transaction sequence number.
Step S13：Proxy terminal is withdrawn the money short according to the withdrawal request data of remittee to the initiation of money transfer transactions processing platform
Letter；
Step S14：Money transfer transactions processing platform carries out account transfer according to withdrawal short message；
Remittee is by withdrawal notifying messages to proxy terminal withdrawal, and proxy terminal is according to the withdrawal request data of remittee
Withdrawal short message is initiated to money transfer transactions processing platform；Described withdrawal short message includes money transfer amount, transaction sequence number, disposable
Identifying code and sender name；Described withdrawal request data include remitter's cell-phone number, sender name, remittee's mobile phone
Number, remittee's name, transaction sequence number, disposable identifying code and withdraw funds.
Remittee is after the withdrawal notifying messages for service process platform transmission of receiving a remittance, by withdrawal notifying messages to generation
Terminal is managed to withdraw the money.When remittee withdraws the money, withdrawal proxy terminal is flat to money transfer transactions processing according to the withdrawal request data of remittee
Platform sends withdrawal short message, and money transfer transactions processing platform receives withdrawal short message and the identity to withdrawal proxy terminal is verified
Afterwards, the fund that the amount of money is corresponded in platform clectronic account is transferred in the proxy terminal electronic account of withdrawal proxy terminal, withdrawn the money generation
Reason terminal will remit money and hand to remittee with cash base.With it, user can realize at its proxy terminal nearby
Remittance is withdrawn the money, and improves efficiency.
In addition, present invention also offers withdrawal revene lookup flow, if remittee's imprudence lost, remittee can be with
Checking data of withdrawing the money are provided to proxy terminal, proxy terminal sends to money transfer transactions processing platform according to checking data of withdrawing the money and inquired about
Short message, money transfer transactions processing platform send withdrawal notifying messages to remittee again after revene lookup is carried out to short message enquiry, taken
Money people carries out gathering enchashment according still further to withdrawal flow；Described withdrawal checking data include sender name, remitter's cell-phone number,
Remittee's name and remittee's cell-phone number.
In order to ensure the security and integrality of short message sending reception between proxy terminal and money transfer transactions platform, this is specific
Remitted money in embodiment short message, withdrawal short message and money transfer transactions processing platform employs pair to the short message that proxy terminal is sent
Encryption and decryption is claimed simultaneously to calculate message authority's code MAC security mechanism, and to encrypting and calculating the short message after MAC cascade at short message
The mode of reason, it is specific as follows：
Proxy terminal intellective IC card uses cascade short message head and short message report with money transfer transactions processing platform in present embodiment
The messaging format realization of text combination, as shown in table 1：
Table 1
The short message security mechanism of system：
Proxy terminal intellective IC card using symmetric cryptography and calculates MAC security mechanism with business platform, ensure that short message
The security and integrality of data.
The concrete mode of enciphering and deciphering algorithm：
Proxy terminal intellective IC card respectively preserves the N group encryption symmetric keys of agreement with business platform, is calculated in present embodiment
Method uses 3DES-ECB modes；
Encryption：Encryption side uses the random number between random number way generation (1, N) as cipher key index, current using index
Message body (short message) is encrypted the key specified, while cipher key index is assigned in heading.
Decryption：Decryption side first takes out cipher key index in heading, and the key locally preserved is taken out according to index, using corresponding
Key pair encryption message body is decrypted, so as to obtain message body in plain text (short message is in plain text).
For MO short messages, the intellective IC card of proxy terminal is encrypted, and money transfer transactions processing platform is decrypted；For MT
Short message, money transfer transactions processing platform are encrypted, and intellective IC card is decrypted.In present embodiment, proxy terminal to remittance industry
The short message that business processing platform is sent is MO short messages, money transfer transactions processing platform to the short message that proxy terminal returns be MT short messages.
MAC calculate concrete mode be：
It is to ensure the completion of note data that MAC codes, which calculate, prevents the data tampering that short message is intercepted and carries out.
When MAC is calculated, proxy terminal intellective IC card respectively preserves the M group MAC symmetric keys of agreement with business platform, is calculated in present embodiment
Method uses 3DES-CBC modes.System MAC codes calculation is that the message body after heading and encryption is integrally calculated.
Calculate MAC：Calculating side as cipher key index, uses index using the random number between random number way generation (1, M)
Currently assigned key carries out 3DES-CBC encryptions to message body, while cipher key index is assigned in heading, and MAC result value is assigned
In the end of message of cascade before processing.
Verify MAC：Verification side first takes out MAC cipher key index in heading, and the key locally preserved is taken out according to index, is made
MAC is calculated to note data again according to engagement arithmetic and mode with counterpart keys, obtained result and sender are calculated
MAC value is compared, if two values are identical, verify successfully, it is legal to receive message；Otherwise it is invalid packet, system is abandoned
Processing.
After completing encryption and decryption and completing MAC calculating, short message is carried out to cascade short message processing, the cascade short message processor of system
System is as follows：
Short message sending side：Message body after heading, encryption and MAC codes are integrally subjected to cascade processing as message, pressed
The bearing capacity of short message setting byte is split, and is obtained a plurality of short message message, is sent one by one.Wall scroll short message in present embodiment
Maximum capacity is 140 bytes.
Short message receiver：Short message batch, short message sum and current short message index in cascade heading will receive
A plurality of short message is assembled, and obtains complete short message content, and MAC is carried out respectively to short message further according to MAC mechanism and encryption and decryption mechanism
Verify and decrypt so as to obtain the manageable short message of system in plain text.
In order to ensure security, when proxy terminal is communicated with money transfer transactions processing platform, money transfer transactions processing is flat
Platform can verify that the concrete mode of checking is as shown in Figure 3 to the identity of proxy terminal：
The intellective IC card of money transfer transactions processing platform and proxy terminal preserves the symmetric master key of 16 byte longs
(PINMK)。
In MO short messages, intellective IC card is first disperseed using card IMSI to PINMK, generates PIN sub-keys.Then it is sub close
The operator password of proxy terminal is encrypted to obtain PIN ciphertexts for key.
Money transfer transactions processing platform side, proxy terminal is contracted in business hall, and (proxy terminal is to money transfer transactions processing platform
Server carries out identity registration) when, PIN is encrypted using identical algorithm in MO short messages for platform, and PIN ciphertexts are preserved
In system background.When system authenticates to proxy terminal identity, the value of two PIN ciphertexts is contrasted, if identical, system is recognized
Proxy terminal for requests transaction is lawful agencies terminal, is otherwise illegal agent, illegal operation, and system returns to the friendship of failure
Easy result.
Wherein, sub-key dispersion process is as follows：
IMSI is international mobile subscriber identification number, is the decimal number of one 15, for the mobile radio communication in the whole world
Middle one mobile subscriber of unique identification.
The dispersion process of sub-key is as follows：
1) because IMSI length is less than 16 numerals, so first left benefit one " 0 " fills it into 16 digital Y.
2) hexadecimal number using Y as 8 bytes, Y ' is obtained with the full F of 8 bytes hexadecimal number step-by-step XOR
3) Y is obtained into Z ' with 3DES-ECB mode encryptions using MK
4) Y ' is obtained into Z " with 3DES-ECB mode encryptions using MK
5) Z ' and Z " connections are obtained into Z, Z is the sub-key (UK) of needs.
The process that the PIN inputted using sub-key to proxy terminal is encrypted to obtain PIN ciphertexts is as follows：
1) the hexadecimal representation X of the ASCII character of the operator password of user's input, 1 " 80 " word is added in X low order end
Section.Then " 00 " of some bytes is supplemented in low order end, using the integral multiple that the message length after supplement is 8 bytes, is obtained
Y1。
2) using UK with 3DES-ECB mode encryptions by Y1Encryption obtains Z1, Z1It is generation in text of being delivered newspaper on cell-phone customer terminal
Manage terminal operation key ciphertext.
Certainly, for said short message encryption and decryption mode, MAC modes are calculated, and used algorithm is not unique.
Fig. 4 shows the flow chart that user is remitted money in present embodiment, and proxy terminal please according to remitter's
Ask transmission remittance short message after, money transfer transactions processing platform processing the step of it is as follows：
1) short message cascade is handled, and obtains short message original length message；That is money transfer transactions processing platform as short message receiver,
Short message cascade processing is carried out to remittance short message, short message batch, the total and current short message of short message in remittance short message heading
Index assembles a plurality of short message, the short message content completed；
2) MAC is verified, and is guaranteed data integrity；
3) message body is decrypted, and obtains message clear data；It is decrypted, obtains to completing the encrypted message body after MAC is verified
To short message in plain text；
4) according to proxy terminal PIN ciphertexts, proxy terminal identity is authenticated；
5) judge whether it is to retransmit transaction by the IMSI number of transaction journal number and proxy terminal, be then to proxy terminal
Return to notifying messages；Then according to service charge and shared in the benefit rule if not retransmitting transaction, proxy terminal is corresponded to the money of electronic account
Gold is transferred to platform clectronic account；Judge transaction whether be repeat business concrete mode it is as follows：International mobile subscriber identity
IMSI is the unique corresponding identifier of every card, and operation system finds the transaction of corresponding proxy terminal by the IMSI of proxy terminal
Record, the transaction journal number in the transaction journal number and proxy terminal money transfer request short message of corresponding record is compared, if two streams
Aqueous phase etc., then it is repeating transmission；If the transaction journal number in money transfer request is more than the friendship that system is current in proxy terminal transaction record
Easy serial number, then it is new request, i.e., transaction journal number is used to judge that processing is retransmitted.
6) remittance result notification agent terminal, remitter are sent；
7) withdrawal SMS notification remittee is sent, remittee relies on the content in notifying messages at neighbouring proxy terminal
Withdrawn the money.Withdrawal short message content includes：Money transfer amount, transaction sequence number, disposable identifying code, sender name.
Fig. 5 shows the flow chart that user is withdrawn the money in present embodiment, and proxy terminal please according to remittee's
Ask send withdrawal short message after, money transfer transactions processing platform processing the step of it is as follows：
1) short message cascade is handled, and obtains short message original length message；
2) MAC is verified, and is guaranteed data integrity；
3) message body is decrypted, and obtains message clear data；
4) according to proxy terminal PIN ciphertexts, proxy terminal identity is authenticated；
5) whether disconnected according to the IMSI of the transaction journal number of upper hair and proxy terminal is to retransmit transaction, if then to agency eventually
End issues result short message.
6) then tested if not repeating transmission transaction according to information such as platform transaction sequence number, remittee's name, sender names
The correctness for the remittance information that card remittee is provided, withdrawal failure short message is not issued if as crossed checking；
7) judge whether the withdrawal identifying code of this transaction is expired,, will be flat according to service charge and rule of sharing in the benefit if not having
The counter fund of platform electronic account is transferred to withdrawal proxy terminal electronic account, and updates stateful transaction；
8) withdrawal result is notified to withdrawal proxy terminal and remitter.After the completion of transaction, withdrawal proxy terminal will remit money
The amount of money hands to remittee with cash base.
When Fig. 6 shows that remittee's loss withdrawal short message carries out withdrawal revene lookup, proxy terminal is carried according to remittee
The sender name of confession, remitter's cell-phone number, remittee's name and remittee's cell-phone number are initiated after inquiry request at money transfer transactions
The handling process of platform, comprises the following steps：
1) short message cascade is handled, and obtains short message original length message；
2) MAC is verified, and is guaranteed data integrity；
3) message body is decrypted, and obtains message clear data；
4) according to proxy terminal PIN ciphertexts, proxy terminal identity is authenticated；
5) whether inquiry if presence without this transaction record if sends related failure short message with the presence of the transaction do not withdrawn the money
To proxy terminal；If there is transaction of not withdrawing the money, platform judges whether identifying code is expired, and expired renewal identifying code sends new
Withdrawal short message, do not have it is expired resend withdrawal short message to remittee, and return result to proxy terminal.
Obviously, those skilled in the art can carry out the essence of various changes and modification without departing from the present invention to the present invention
God and scope.So, if these modifications and variations of the present invention belong to the scope of the claims in the present invention and its equivalent technology
Within, then the present invention is also intended to comprising including these changes and modification.
Claims (20)
1. a kind of funds transfer system realized based on short message mode, including：
Proxy terminal：Remittance short message is initiated to money transfer transactions processing platform for the money transfer request data according to transferor, according to
The withdrawal request data of beneficiary initiate withdrawal short message to money transfer transactions processing platform, and described proxy terminal is when being used for and remitting money
Money transfer agent terminal, it is then withdrawal proxy terminal during for withdrawing the money；
Sms center：The reception and forwarding of short message are completed for providing wireless air network；
Money transfer transactions processing platform：For the remittance short message according to money transfer agent terminal by money transfer agent terminal electronic account
Money transfer amount is transferred to platform clectronic account；Withdraw funds are turned by platform clectronic account according to the withdrawal short message of withdrawal proxy terminal
Enter to withdraw the money proxy terminal electronic account, and sends withdrawal notifying messages to remittee according to remittance short message.
A kind of 2. funds transfer system realized based on short message mode as claimed in claim 1, it is characterised in that：Described agency is whole
End sends remittance short message and withdrawal short message by its intellective IC card and mobile terminal to money transfer transactions processing platform.
3. a kind of money transfer method realized based on short message mode, is comprised the following steps：
(1) remitter initiates money transfer request in money transfer agent terminal, and money transfer agent terminal is according to the money transfer request data of remitter
Remittance short message is initiated to money transfer transactions processing platform；
(2) money transfer transactions processing platform, will be corresponding with money transfer amount in money transfer agent terminal electronic account according to remittance short message
Fund is transferred to platform clectronic account, and sends withdrawal notifying messages to remittee；
(3) remittee is by withdrawal notifying messages to the withdrawal of withdrawal proxy terminal, and withdrawal proxy terminal is according to the withdrawal of remittee
Request data initiates withdrawal short message to money transfer transactions processing platform；
(4) fund corresponding with withdraw funds in platform clectronic account is transferred to by money transfer transactions processing platform according to withdrawal short message
Withdrawal proxy terminal electronic account.
A kind of 4. money transfer method realized based on short message mode as claimed in claim 3, it is characterised in that：In step (1), institute
The money transfer request data stated include remittee's cell-phone number, remittee's name, money transfer amount, sender name and remitter's mobile phone
Number.
A kind of 5. money transfer method realized based on short message mode as claimed in claim 3, it is characterised in that：In step (2), institute
The withdrawal notifying messages stated include withdraw funds, transaction sequence number, disposable identifying code and sender name.
A kind of 6. money transfer method realized based on short message mode as claimed in claim 3, it is characterised in that：In step (3), institute
The withdrawal short message stated includes money transfer amount, transaction sequence number, disposable identifying code and sender name；Described withdrawal request
Data include remitter's cell-phone number, sender name, remittee's cell-phone number, remittee's name, transaction sequence number, disposable checking
Code and withdraw funds.
A kind of 7. money transfer method realized based on short message mode as described in one of claim 3 to 6, it is characterised in that：Step
(3) in, when remittee loses withdrawal notifying messages, remittee provides checking data of withdrawing the money to withdrawal proxy terminal, and withdraw the money agency
Terminal sends short message enquiry according to checking data of withdrawing the money to money transfer transactions processing platform, and money transfer transactions processing platform is to short message enquiry
Withdrawal notifying messages are sent after carrying out revene lookup to remittee again；Described withdrawal checking data include sender name,
Remitter's cell-phone number, remittee's name and remittee's cell-phone number.
A kind of 8. money transfer method realized based on short message mode as claimed in claim 7, it is characterised in that：Money transfer agent terminal
Before sending remittance short message or withdrawal short message to money transfer transactions processing platform, body is carried out to the server of money transfer transactions processing platform
Part registration.
A kind of 9. money transfer method realized based on short message mode as claimed in claim 8, it is characterised in that：Money transfer agent terminal
When sending remittance short message or withdrawal short message to money transfer transactions processing platform, money transfer transactions processing platform can be to money transfer agent terminal
Authentication is carried out, confirms whether money transfer agent terminal is lawful agencies terminal.
A kind of 10. money transfer method realized based on short message mode as claimed in claim 9, it is characterised in that：Business processing is put down
Platform to money transfer agent terminal carry out authentication concrete mode be：
Money transfer transactions processing platform and the symmetric master key that 16 bytes are respectively preserved in the intelligent IC of money transfer agent terminal
PINMK；
When money transfer agent terminal sends short message, intellective IC card is disperseed using IMSI to PINMK, generates PIN sub-keys, and make
The PIN of money transfer agent terminal is encrypted with PIN sub-keys to obtain PIN ciphertexts；
When money transfer agent terminal carries out identity registration, money transfer transactions processing platform uses identical when sending short message with proxy terminal
The PIN of proxy terminal is encrypted AES, and PIN ciphertexts are saved in the server of money transfer transactions processing platform；
When carrying out authentication to money transfer agent terminal, contrast in money transfer transactions processing platform server the PIN ciphertexts that preserve with
Whether the PIN ciphertexts generated during proxy terminal transmission short message are consistent, are lawful agencies terminal if being then verified；If otherwise
Authentication failed, is illegal proxy terminal, Fail Transaction.
A kind of 11. money transfer method realized based on short message mode as claimed in claim 10, it is characterised in that：Use IMSI pairs
PINMK carries out the scattered detailed process for generating sub-key：
1) it is made to be filled into the digital Y of one 16 the left benefits one " 0 " of IMSI；
2) hexadecimal number using Y as 8 bytes, Y ' is obtained with the full F of 8 bytes hexadecimal number step-by-step XOR；
3) Y is obtained into Z ' with 3DES-ECB mode encryptions using symmetric master key；
4) Y ' is obtained into Z " with 3DES-ECB mode encryptions using symmetric master key；
5) Z ' and Z " connections are obtained into sub-key Z.
A kind of 12. money transfer method realized based on short message mode as claimed in claim 11, it is characterised in that：Use sub-key
It is to the concrete mode that PIN is encrypted：
A. the hexadecimal representation of the PIN of user's input ASCII character is X, 1 " 80 " byte is added in X low order end, most
" 00 " that right-hand member is supplemented some bytes obtains Y1, make Y after supplement1Message length be 8 bytes integral multiple；
B. using sub-key with 3DES-ECB mode encryptions by Y1Encryption obtains PIN ciphertexts Z when proxy terminal sends short message1。
A kind of 13. money transfer method realized based on short message mode as claimed in claim 7, it is characterised in that：Money transfer agent is whole
The short message sent to money transfer transactions processing platform is held, and the short message that money transfer transactions processing platform is sent to money transfer agent terminal is equal
Using symmetrical encryption and decryption and calculate the security mechanism of MAC check codes.
A kind of 14. money transfer method realized based on short message mode as claimed in claim 13, it is characterised in that：Short message encryption and decryption
Concrete mode be：The intellective IC card of money transfer agent terminal respectively preserves the N group symmetric keys of agreement with money transfer transactions processing platform
And AES, and using the cipher key index of random number way generation N group symmetric keys；
SMS encryption mode：Encryption side selectes cipher key index, and short message is encrypted using the key corresponding to cipher key index, obtained
Assigned to encrypted message body, and by cipher key index in heading；
Short message manner of decryption：Decryption side takes out the cipher key index in heading, and the correspondence locally preserved is taken out according to cipher key index
Key；Encrypted message body is decrypted using counterpart keys, obtains short message in plain text；
When money transfer agent terminal sends remittance short message and withdrawal short message, the intellective IC card of money transfer agent terminal is encryption side, remittance
Service process platform is decryption side；When money transfer transactions processing platform sends short message to money transfer agent terminal, money transfer transactions processing
Platform is encryption side, and the intellective IC card of money transfer agent terminal is decryption side.
A kind of 15. money transfer method realized based on short message mode as claimed in claim 13, it is characterised in that：Described MAC
The calculating of check code and verification mode are：The intellective IC card of money transfer agent terminal respectively preserves agreement with money transfer transactions processing platform
M group MAC symmetric keys and AES, and using the MAC cipher key index of random number way generation M group MAC symmetric keys；
When calculating MAC：Calculating side selectes MAC cipher key index, and encryption is reported using MAC symmetric keys corresponding to MAC cipher key index
MAC value is calculated in style, while MAC cipher key index is assigned in heading, and MAC value is assigned into the ending in encrypted message body；
When verifying MAC：Verification side takes out the MAC cipher key index in heading, takes out what is locally preserved according to MAC cipher key index
MAC symmetric keys, encrypted message body is calculated MAC value using MAC counterpart keys, and the obtained MAC value of comparing calculation with
Whether the MAC value that sender calculates is identical, if then verifying successfully, it is legal to receive message；If otherwise verification failure, for illegal report
Text；
Described sender is the intellective IC card of money transfer agent terminal, and verification side is money transfer transactions processing platform.
A kind of 16. money transfer method realized based on short message mode as claimed in claim 15, it is characterised in that：Short message is carried out
Symmetrical encryption and decryption and after calculating MAC check codes, carries out cascading short message treatment mechanism, the concrete mode of short message cascade processing to short message
For：
For short message sending side：Heading, encrypted message body and verification MAC are integrally subjected to cascade processing as message, will be short
Letter is split according to the bearing capacity of setting byte, obtains a plurality of short message message, a plurality of short message message is sent one by one；And will
Short message batch number, short message sum and short message index are assigned in short message head is cascaded；
For short message receiver：Short message batch number, short message sum and current short message index in cascade short message head will receive
A plurality of short message message assembled, obtain complete note data.
A kind of 17. money transfer method realized based on short message mode as claimed in claim 16, it is characterised in that：Described short message
Form for cascade short message head and short message message combination mode；Cascading short message head includes short message batch number, short message sum and works as
Preceding short message index；Short message message includes heading, encrypted message body and check code MAC.
A kind of 18. money transfer method realized based on short message mode as claimed in claim 17, it is characterised in that：Remitter passes through
The concrete mode that money transfer agent terminal is remitted money is：
Money transfer agent terminal initiates remittance short message according to money transfer request data to money transfer transactions processing platform；
Money transfer transactions processing platform carries out cascade processing to remittance short message, obtains complete note data；
MAC verifications are carried out to note data；
By the way that encrypted message body is decrypted after verification to obtain short message clear data；
Authentication is carried out to money transfer agent terminal；
After money transfer agent terminal is by authentication, by transaction journal number come judge transaction whether be repeat business, if then
Notifying messages are returned to money transfer agent terminal, if otherwise by the fund in proxy terminal electronic account corresponding to money transfer agent terminal
It is transferred to platform clectronic account；
Remittance result is sent to money transfer agent terminal and remitter by money transfer transactions processing platform, and short to remittee's transmission withdrawal
Letter.
A kind of 19. money transfer method realized based on short message mode as claimed in claim 17, it is characterised in that：Remittee passes through
Withdrawal proxy terminal withdraw the money concrete mode be：
Remittee to withdrawal proxy terminal provide withdrawal request data, withdrawal proxy terminal according to withdrawal request data to remittance industry
Business processing platform initiates withdrawal short message；Described withdrawal request data include：Remitter's cell-phone number, sender name, remittee
Cell-phone number, remittee's name, transaction sequence number, disposable identifying code and withdraw funds；
Money transfer transactions processing platform is handled the cascade of withdrawal short message, obtains complete note data；
MAC verifications are carried out to note data；
By the way that encrypted message body is decrypted after verification to obtain short message clear data；
Authentication is carried out to withdrawal proxy terminal；
After withdrawal proxy terminal is by authentication, by transaction journal number come judge transaction whether be repeat business, if then
Notifying messages are returned to withdrawal proxy terminal, if otherwise verifying the correctness of withdrawal request data；
Judge whether disposable identifying code is expired, if then Fail Transaction, if otherwise by the counter fund in platform clectronic account
It is transferred to withdrawal proxy terminal electronic account；
Withdrawal result is sent to withdrawal proxy terminal and remitter, withdrawal proxy terminal withdraw funds by money transfer transactions processing platform
Remittee is given with cash base.
A kind of 20. money transfer method realized based on short message mode as claimed in claim 17, it is characterised in that：In step (3),
When remittee lost withdrawal notifying messages, the concrete mode of withdrawal notifying messages is reacquired to money transfer transactions processing platform
For：
Remittee provides checking data of withdrawing the money to withdrawal proxy terminal, and withdrawal proxy terminal initiates to look into money transfer transactions processing platform
Ask short message；Service process platform carries out cascade processing to request short message, obtains complete note data；
Mac authentication is carried out to note data；
By the way that encrypted message body is decrypted after mac authentication, short message is obtained in plain text；
Authentication is carried out to withdrawal proxy terminal；
After withdrawal proxy terminal is by authentication, whether inquire about with the presence of the transaction do not withdrawn the money, if otherwise sending notifying messages
To withdrawal proxy terminal；If then judging whether disposable identifying code is expired, identifying code is updated if expired to remittee's transmission
New withdrawal short message, again by withdrawal short message sending to remittee if not out of date, and return result to withdrawal proxy terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210585049.9A CN103903129B (en) | 2012-12-28 | 2012-12-28 | A kind of funds transfer system realized based on short message mode and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210585049.9A CN103903129B (en) | 2012-12-28 | 2012-12-28 | A kind of funds transfer system realized based on short message mode and method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103903129A CN103903129A (en) | 2014-07-02 |
| CN103903129B true CN103903129B (en) | 2017-11-24 |
Family
ID=50994439
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210585049.9A Expired - Fee Related CN103903129B (en) | 2012-12-28 | 2012-12-28 | A kind of funds transfer system realized based on short message mode and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103903129B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2021101442A1 (en) * | 2019-11-19 | 2021-05-27 | Socash Pte. Ltd. | On-demand cash processing program, storage medium, on-demand cash processing system, and on-demand cash processing method |
| US12021993B2 (en) | 2018-09-20 | 2024-06-25 | Advanced New Technologies Co., Ltd. | Blockchain-based transaction method and apparatus, and remitter device |
Families Citing this family (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105427169B (en) * | 2014-09-17 | 2021-05-11 | ***股份有限公司 | Security information interaction method for resource transfer |
| CN104361521B (en) * | 2014-11-03 | 2018-04-06 | 上海众人网络安全技术有限公司 | Electronic remittance system and electronic exchange method based on mobile terminal |
| CN108038963B (en) * | 2015-09-01 | 2019-12-20 | 吴杰 | Remote electricity selling system based on all-purpose card and adopting ARM9 processor |
| CN105389724A (en) * | 2015-10-28 | 2016-03-09 | 北京京东尚科信息技术有限公司 | Method and device for entrusting account |
| CN106330961A (en) * | 2016-09-30 | 2017-01-11 | 北京乐动卓越科技有限公司 | Encryption method of important resources of mobile game client |
| CN106602720A (en) * | 2016-10-20 | 2017-04-26 | 国网山东省电力公司菏泽供电公司 | Short message alarm system and method based on EMS platform |
| CN108235311A (en) * | 2017-12-29 | 2018-06-29 | 东信和平科技股份有限公司 | A kind of method, apparatus of push/reception identifying code and identifying code sending system |
| KR102056205B1 (en) * | 2018-01-26 | 2019-12-16 | 주식회사 하나은행 | System for providing overseas financial transaction service |
| CN111783114B (en) | 2018-08-06 | 2024-04-02 | 创新先进技术有限公司 | Block chain transaction method and device and electronic equipment |
| CN112651740A (en) | 2018-08-30 | 2021-04-13 | 创新先进技术有限公司 | Block chain transaction method and device and electronic equipment |
| CN111833186A (en) | 2018-09-20 | 2020-10-27 | 创新先进技术有限公司 | Transaction method and device based on block chain and node equipment |
| CN111833057A (en) | 2018-09-30 | 2020-10-27 | 创新先进技术有限公司 | Transaction method and device based on block chain and node equipment |
| CN110612547A (en) | 2018-12-29 | 2019-12-24 | 阿里巴巴集团控股有限公司 | System and method for information protection |
| CN113222717A (en) * | 2021-06-09 | 2021-08-06 | 中国银行股份有限公司 | Fund substitute management service method and system based on block chain and 5G message |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2000215258A (en) * | 1999-01-25 | 2000-08-04 | Ntt Data Corp | Integrated electronic money system, payment system and electronic money transaction method |
| CN101071492A (en) * | 2007-06-20 | 2007-11-14 | 中国工商银行股份有限公司 | Mobile phone fee payment method and system based on mobile phone bank |
| CN101132276A (en) * | 2007-09-27 | 2008-02-27 | 中兴通讯股份有限公司 | Method and system for symmetrical encryption of terminal data by SAM card |
| CN101998317A (en) * | 2010-12-18 | 2011-03-30 | 上海柯斯软件有限公司 | Data transition system based on short message protocol and transfer approach thereof |
| CN101998309A (en) * | 2009-08-11 | 2011-03-30 | ***通信集团公司 | Method, system and equipment for transmitting data short message |
| CN102056123A (en) * | 2009-10-29 | 2011-05-11 | ***通信集团云南有限公司 | Agent payment system |
| CN102223615A (en) * | 2011-06-17 | 2011-10-19 | 余方波 | Cost transfer method of mobile communication terminals |
| CN102404329A (en) * | 2011-11-28 | 2012-04-04 | 苏州英福迈升信息技术有限公司 | Method for validating and encrypting interaction between user terminal and virtual community platform |
| CN102496125A (en) * | 2011-12-21 | 2012-06-13 | 成都英黎科技有限公司 | Transferring method and system based on mobile terminal |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101833831A (en) * | 2009-03-13 | 2010-09-15 | 黄金富 | Portable ATM (Automatic Teller Machine) remittance system without cashbox and method |
-
2012
- 2012-12-28 CN CN201210585049.9A patent/CN103903129B/en not_active Expired - Fee Related
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2000215258A (en) * | 1999-01-25 | 2000-08-04 | Ntt Data Corp | Integrated electronic money system, payment system and electronic money transaction method |
| CN101071492A (en) * | 2007-06-20 | 2007-11-14 | 中国工商银行股份有限公司 | Mobile phone fee payment method and system based on mobile phone bank |
| CN101132276A (en) * | 2007-09-27 | 2008-02-27 | 中兴通讯股份有限公司 | Method and system for symmetrical encryption of terminal data by SAM card |
| CN101998309A (en) * | 2009-08-11 | 2011-03-30 | ***通信集团公司 | Method, system and equipment for transmitting data short message |
| CN102056123A (en) * | 2009-10-29 | 2011-05-11 | ***通信集团云南有限公司 | Agent payment system |
| CN101998317A (en) * | 2010-12-18 | 2011-03-30 | 上海柯斯软件有限公司 | Data transition system based on short message protocol and transfer approach thereof |
| CN102223615A (en) * | 2011-06-17 | 2011-10-19 | 余方波 | Cost transfer method of mobile communication terminals |
| CN102404329A (en) * | 2011-11-28 | 2012-04-04 | 苏州英福迈升信息技术有限公司 | Method for validating and encrypting interaction between user terminal and virtual community platform |
| CN102496125A (en) * | 2011-12-21 | 2012-06-13 | 成都英黎科技有限公司 | Transferring method and system based on mobile terminal |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US12021993B2 (en) | 2018-09-20 | 2024-06-25 | Advanced New Technologies Co., Ltd. | Blockchain-based transaction method and apparatus, and remitter device |
| WO2021101442A1 (en) * | 2019-11-19 | 2021-05-27 | Socash Pte. Ltd. | On-demand cash processing program, storage medium, on-demand cash processing system, and on-demand cash processing method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN103903129A (en) | 2014-07-02 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103903129B (en) | A kind of funds transfer system realized based on short message mode and method | |
| EP1502383B1 (en) | Method for authenticating and verifying sms communications | |
| US8468093B2 (en) | Method and system for performing a commercial transaction by using a short message service terminal | |
| KR20170077170A (en) | Transaction messaging | |
| CN107516196A (en) | A kind of mobile-payment system and its method of mobile payment | |
| CN105493115A (en) | Processing electronic tokens | |
| EP1142194B1 (en) | Method and system for implementing a digital signature | |
| CN103699989A (en) | Payment platform and payment method on basis of intelligent equipment | |
| CN101616142A (en) | Realize the method and system of information encryption transmission | |
| JP2013514556A (en) | Method and system for securely processing transactions | |
| EP3712792B1 (en) | Method and system for provisioning access data to mobile device | |
| CN101771973B (en) | Data short message processing method, data short message processing equipment and data short message processing system | |
| CN101842795A (en) | System, method and device for enabling interaction with dynamic security | |
| CN103971242A (en) | Method and system for confirming data in safety device | |
| CN102254287A (en) | Bank business mobile processing system and method | |
| CN1316405C (en) | Method for obtaining digital siguature and realizing data safety | |
| Thammarat et al. | A secure fair exchange for SMS‐based mobile payment protocols based on symmetric encryption algorithms with formal verification | |
| CN102521777A (en) | Method and system for realizing remote credit | |
| Sung et al. | Mobile Payment Based on Transaction Certificate Using Cloud Self‐Proxy Server | |
| Kisore et al. | A secure SMS protocol for implementing digital cash system | |
| KR20070092840A (en) | System and method for processing financial transaction by using high-speed wireless internet | |
| CN104077841A (en) | Method and system for mobile identity authentication and payment | |
| CN114077725A (en) | Method, device and apparatus for provisioning access data to a mobile device | |
| CN104361521A (en) | Electronic exchange system and method based on mobile terminal | |
| Martínez-Peláez et al. | Efficient certificate path validation and its application in mobile payment protocols |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CP01 | Change in the name or title of a patent holder | ||
| CP01 | Change in the name or title of a patent holder |
Address after: 100102 Beijing, Chaoyang District, Wangjing Li Ze Park 101, Qiming International Building 7. Patentee after: BEIJING WATCHDATA Co.,Ltd. Address before: 100102 Beijing, Chaoyang District, Wangjing Li Ze Park 101, Qiming International Building 7. Patentee before: BEIJING WATCH DATA SYSTEM Co.,Ltd. |
|
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20171124 Termination date: 20211228 |