CN1422409A - 电子资金转帐－zipfund - Google Patents

电子资金转帐－zipfund Download PDF

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CN1422409A
CN1422409A CN01806708A CN01806708A CN1422409A CN 1422409 A CN1422409 A CN 1422409A CN 01806708 A CN01806708 A CN 01806708A CN 01806708 A CN01806708 A CN 01806708A CN 1422409 A CN1422409 A CN 1422409A
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zipfund
account
transaction
user
debit card
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王永坚（迈克尔）
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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    • G—PHYSICS
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract

ZIPFUND(2)是一个安全电子资金转帐***，该***能够使消费者和商家在线进行资金交易处理，而不用担心诈骗和黑客的入侵。用户(6)通过因特网(4)访问ZIPFUND(2)。用户必须有ZIPFUND(2)帐号以使用设施，并且同意ZIPFUND(2)访问他们的金融信息。电子商务贸易商(3)也必须由ZIPFUND(2)注册以使用该设施。为确认购买，要求贸易商(3)从消费者那边获得ZIPFUND(2)的交易标识符(11)。这些交易标识符(11)由ZIPFUND(2)校验，为了确保从金融机构(1)的安全支付。对于电子商务贸易商(3)提交成功的所有交易，ZIPFUND(2)经由一个安全网提供给他们一个认可的交易号(17)。ZIPFUND(2)支持所有类型的帐户，包括贷、借、支票、储蓄或者ZIPFUND(2)的因特网金融帐户(IFA)。ZIPFUND(2)生成一个IFA号码或者ZIPFUND(2)自己的信用/借方***而不需要原始的***。

Description

电子资金转帐-ZIPFUND
本发明涉及使用因特网设施以及其它商业和/或工业在线数据传输设施进行安全的、可控的和可靠的资金交易处理的功能、执行和供应特性。
现在的电子商务环境和***不能使大众信任在线购物。当使用***/签帐卡(debit card)购物时，人们很关心它的安全性。他们担心使用***/签帐卡在线购物会由于诈骗而损害他们的***/签帐卡。如果这些信息被不正当的使用，他们可能对所涉财务问题负有责任。本发明继续这种在线购买方法，但是加强了交易的安全性以确保消除诈骗。
通过商家对消费者和/或商家对商家的应用，对于为了电子商务而进行的安全电子资金转帐，本***在适当情况下允许包括***和签帐卡在内的其它金融帐户的使用。这些设施包括通过使用电子通信网经由内部和/或外部数据传输设施在一个和/或多个金融机构中从一个金融帐户转移资金到另一个帐户上。
除使用***/签帐卡设施外，本发明允许使用所有在线贸易和/或交易现有的金融帐户。
本发明也引入一种新的在线金融帐户——因特网金融帐户。因特网金融帐户(后面称为IFA)可作为信用帐户或是赊购帐户。
电子资金转帐——ZIPFUND(后面称为ZIPFUND)是一个去除安全隐患的发明。
ZIPFUND生成它自己的具有唯一标识符的交易号，该标识符用于跟踪用户身份。这包括用户帐户详细信息和交易号。
ZIPFUND核查数据库中的用户详细记录，以确保用户的有效性。如果发现用户不是一个有效用户，则不允许其使用ZIPFUND。
ZIPFUND按序分配金融交易，这样每一笔交易都是唯一的。每一笔交易只有在用户帐户中有足够的资金时才可以给予处理。
ZIPFUND根据用户约定分配金融交易。这包括用户能够决定在一笔金融交易中的资金数目。如果用户在他或她的帐户上有足够的资金，才能够完成一笔交易。由于一笔交易对应一次购买，并且一次购买对应一笔金融交易的总金额，这为用户提供了对他或她的交易的绝对控制。
当贸易商通过已分配的ZIPFUND交易标识符接受了用户交易时，ZIPFUND完成整个交易。这是通过因特网使用电子商务设施处理的。
ZIPFUND通过连接金融机构、***/签帐卡帐户和自己的金融数据库***确认有足够的资金。
当这样的消息已经从先前的购买或交易传递给贸易商时，ZIPFUND阻止贸易商使用未授权的***/签帐卡交易。
ZIPFUND有自己的安全加密和解密***去核查和处理每一笔交易。
ZIPFUND通过它的数据库和与金融机构的连接确认每一用户有足够的资金以保障有效的交易。
ZIPFUND核查用户和贸易商双方，以确保安全金融交易。
ZIPFUND用已被验证过的金融机构***工作。这通过***接口连接、公共***接口平台和***可移植性来处理。
ZIPFUND的用户4通过因特网连接访问设施。所有的ZIPFUND用户必须有一个ZIPFUND帐号以使用设施。该帐户将被指定给一个已注册的用户。
所有与ZIPFUND使用有关的信息被秘密地保留，并且与保密法所涉及的一致。
用户可以在他或她的判断下选择得到ZIPFUND因特网金融帐户(IFA)。ZIPFUND仅将IFA发放给已承认的用户。
电子商务贸易商3是使用因特网站与因特网客户进行商业活动的一个人或多个人或一个实体或多个实体。电子商务贸易商必须由ZIPFUND注册以使用设施。这确保电子商务贸易商网站是一个安全的站点并且因特网客户知道是证明合格的。在确认付款之前，要求电子商务贸易商获得来自于因特网客户的ZIPFUND交易标识符。这些ZIPFUND交易标识符需要由ZIPFUND确认，以便确保金融机构付款安全。ZIPFUND具有所有已认可的电子商务贸易商的数据库。
金融机构1是一个提供资金已认可级的实体，该资金是因特网用户(客户)和/或电子商务贸易商拥有的。
就因特网用户而言，通过他的或她的***帐户这样的资金能够成为信用帐户。具有ZIPFUND功能，这样的资金对于现有的帐户类型，例如支票帐户、储蓄帐户和IFA也是可用的。
电子商务贸易商需要有金融机构的帐户以便处理给金融机构的付款。具有ZIPFUND功能，ZIPFUND负责处理所有与指定的金融机构的付款交易。
金融机构需要提供ZIPFUND对于包括已认可的资金可用性的客户金融信息的访问。这使ZIPFUND能够确认因特网用户的财务状况。
发放给客户的IFA是ZIPFUND和金融机构都能理解的帐户。
ZIPFUND2对因特网用户、电子商务贸易商和金融机构的服务负责。
ZIPFUND负责给电子商务贸易商提供一个已认可的交易号，该交易号对应于由电子商务贸易商通过安全网发送的ZIPFUND交易标识符。ZIPFUND还负责给金融机构提供一个已认可的交易号，该交易号对应于每一个由电子商务贸易商通过安全网发送的ZIPFUND交易标识符。
对于交易处理ZIPFUND有能力不使用原始***和/或签帐卡帐号，而是ZIPFUND参照原始***/签帐***生成一个新的IFA号或ZIPFUND自己的***/签帐卡帐号。
对于因特网用户去执行他们的贸易商对消费者的交易，ZIPFUND负责确保绝对的安全。通过ZIPFUND的专有软件、帐务***、处理流程、***设计和方法、数据定义以及具有专有信息的特殊控制处理，安全是可能的。
图1表示本发明ZIPFUND的图解视图；
图2表示本发明的交易处理流程图；
图3表示本发明***结构方框图；
图4表示本发明数据库结构方框图；以及
图5表示本发明数据确认结构方框图。
图2的5示出交易处理流程的开始。
因特网用户或消费者6与图1的对象4一样。因特网用户1经由因特网访问ZIPFUND2。在访问ZIPFUND2被许可之前，要有安全处理例如网络安全访问控制和用户配置文件口令核查。因特网用户1事前已注册为一个ZIPFUND帐户持有者。
为了他或她的在线购物需要，因特网用户1请求获得交易标识符。如图2的7所示。
ZIPFUND2核查因特网用户6以确保他/她是有效的用户。如图2的8所示。
如图2的9所示，ZIPFUND2确认有效性处理。
决策过程见图2的10。如果因特网用户1被确认为有效用户，任务被继续执行下去，见图2的11。否则，因特网用户6从ZIPFUND2被拒绝。
假如因特网用户6被确认为有效用户，他/她就会继续进行到任务11。任务就是ZIPFUND2什么时候发放因特网用户6所请求的交易标识符。
然后因特网用户6在电子商务贸易商网站选择项目。这个任务见图2的11。
一旦因特网用户6确定项目，他/她就发放交易标识符给电子商务贸易商。这个任务见图2的13。
电子商务贸易商3通过ZIPFUND2验证交易标识符。这个任务见图2的14。
ZIPFUND2确认来自电子商务贸易商3的交易标识符的有效性。这个任务见图2的15。在访问ZIPFUND2被许可之前，要有安全处理例如网络安全访问控制和贸易商配置文件‘口令’核查。
决策过程理见图2的16。如果交易标识符被确认为有效的，任务被继续执行下去，见图2的17。
ZIPFUND2发放已认可的交易号给电子商务贸易商3。通知电子商务贸易商他/她的交易标识符被认可。如果交易标识符被拒绝，任务16将告诉电子商务贸易商他被拒绝以及拒绝的原因。
假设交易标识符被接收，ZIPFUND就把应得的赊帐金额存入到电子商务贸易商在他/她的金融机构1的帐户上。这个任务见图2的18。在访问金融机构1被许可之前，要有安全处理例如网络安全访问控制和ZIPFUND配置文件‘口令’核查。
图2的19为交易处理流程的结束。
图3的20为ZIPFUND***结构的底层。通常该层为操作***驻留层。
操作***上一层为关系数据库管理***21。该层为***的数据采集中心。
关系数据库管理***21与应用***22交互作用。应用***与通过ZIPFUND 2通向外界的因特网基***23交互作用。
图4的24为因特网用户配置文件。因特网用户配置文件24是关于图1的特殊因特网用户4的信息库。它用来确认金融机构配置文件25。
图4的26为电子商务贸易商配置文件。电子商务贸易商配置文件26是关于图1特殊电子商务贸易商3的信息库。它用来确认金融机构配置文件27。电子商务贸易商3的配置文件不同于因特网用户4的配置文件，是可以接受的。
图5为数据确认结构(处理)。在ZIPFUND2中，所有的活动都被沿着审查踪迹跟踪并作日志记录。
ZIPFUND可以提供以下功能特性以支持电子商务：
·实时在线***
(处理所有的在线交易)
·购买***
(所有用户[客户]在线购买)
·付款***
(支持其它供货商[贸易商和/或金融机构]的付款和ZIPFUND自己的付
款***)
·密码控制
(在***中有密码确认处理)
·***和签帐卡支持
(允许使用其它供货商[贸易商和/或金融机构]的***/签帐卡和
ZIPFUND自己的***/签帐卡设施，以进行购买与支付)
·ZIPFUND******
(提供兼容的***设施)
·支持所有的金融机构帐户
(允许处理各种类型的银行帐户交易，例如储蓄，支票)。假如因特网
用户(客户)是有效的ZIPFUND用户(客户)，他们就能够使用所用类
型的银行帐户在线购买和付款。
·通过使用交易标识符控制购买金额
(所有的用户[客户]能够控制对于每一笔交易的资金额)
·用户确认***
(***确认用户[客户]的身份)
·贸易商确认***
(***确认贸易商的身份)
·通过加/解密***和专有***结构的黑客防御***)

Claims (12)

1.ZIPFUND是一种能够使消费者和商家在线处理资金而不用担心诈骗和黑客的攻击或入侵(渗透)的安全电子资金转帐***。
2.通过借助于电子通信网的内部和/或外部的数据传输设施，使用因特网和/或其它数据传输设施，可以进行利用ZIPFUND***的电子资金转帐。
3.ZIPFUND能够使消费者从Web网站贸易商处进行购物，而不用担心***/签帐卡的诈骗。它也能够使消费者进行在线购买的付款。
4.ZIPFUND能够提供安全电子资金转帐，因为它是一个通过因特网金融帐务(IFA)***把消费者和/或商家与电子商务贸易商以及金融机构连结在一起的综合***。
5.因特网金融帐务(IFA)***最初是一个在线金融帐户。如果消费者或用户申请为此目的使用它，该帐户可充当***或签帐卡的功能。
6.ZIPFUND能够让用户使用他们在金融机构现有的帐户去进行购物和付款。这些帐户的例子有：***/签帐卡帐户、储蓄帐户、支票帐户、家庭贷款帐户和/或利息储存帐户。
7.ZIPFUND能够把其它***/签帐卡帐户集中起来，这样能够为这些***/签帐卡帐户提供按照用户(消费者)要求的安全服务。
8.ZIPFUND根据用户约定分配金融交易。这包括在一笔金融交易中用户能够决定资金的数额。如果用户在他或她的帐户上有足够的资金，才能够完成一笔交易。由于一笔交易对应一次购买，并且一次购买对应一笔金融交易的总金额，这为用户提供对于他或她的交易的绝对控制。
9.ZIPFUND有用户和贸易商确认***。该***提供电子商务贸易商的无诈骗网站(安全站点)的证明。ZIPFUND保持所有已认证的电子商务贸易商的安全数据库。
10.对于交易处理，ZIPFUND有能力不使用原始***/签帐卡帐号，而是ZIPFUND生成一个新的IFA号码或者参照原始***/签帐卡帐号生成一个ZIPFUND自己的***/签帐卡帐号。
11.ZIPFUND用交易标识符和交易号跟踪交易。这些交易号是唯一的号码而且被专门分配给用户(消费者)和电子商务贸易商的。
12.对于因特网用户执行商家对消费者的交易，ZIPFUND负责确保绝对的安全。通过ZIPFUND的专有软件、帐务***、处理流程、***设计和方法、数据定义以及具有专有信息的特殊控制处理，安全是有可能的。
CN01806708A 2000-02-14 2001-02-14 电子资金转帐－zipfund Pending CN1422409A (zh)

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