CN1591503A - Payment acknowledging safety method for network buying, speculation on stocks, etc. by dynamic cipher and cell phone - Google Patents
Payment acknowledging safety method for network buying, speculation on stocks, etc. by dynamic cipher and cell phone Download PDFInfo
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- CN1591503A CN1591503A CN 03140310 CN03140310A CN1591503A CN 1591503 A CN1591503 A CN 1591503A CN 03140310 CN03140310 CN 03140310 CN 03140310 A CN03140310 A CN 03140310A CN 1591503 A CN1591503 A CN 1591503A
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Abstract
The present invention relates to a safety method for confirming payment by using dynamic cipher code and handset to make goods purchase and speculation on stocks. Said method is characterized by that when the user makes goods purchase or speculation on stocks on-network, said user can request web side to provide a group of randomly-produced dynamic cipher code and send said cipher code into mobile telephone of said user, then said user can input the dynamic cipher code and orignial fixed cipher code together so as to make web side define self real identity. After goods purchase or speculation on stocks and when the user has need of paying money, the web side can send the 'payment information' into the user's bank of deposit, then the user's bank of deposit can send said 'payment information' into the mobile telephone of said user, the user can utilize handset to confirm or reject said 'payment information'. According to the confirmed paymetn action of user the bank can notify it to web side, if said payment is confirmed by user and the transaction is successful, the correpondent sum of money can be transferred into web side defined account from user bank account.
Description
TECHNICAL FIELD OF THE INVENTION
The present invention relates to utilize the communication field of mobile phone and the clearing record keeping field of payment payment.
The technical background of invention
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
Goal of the invention
The development of modern science and technology makes the present various online transaction modes that occurred, and provides convenience for the user.But existing online transaction is with using a fixed password per family so that the site determining user identity is stolen by the people as fixed password, and then the user just must bear great risk.Therefore, the security method of online transaction of inventing a kind of not only convenient but also safety is very necessary, and the present invention is exactly in order to reach above purpose.
Summary of the invention
The present invention is based on the development of The present computer technology and modern communications technology.
Be the convenience in the statement, this instructions will provide the website of various order article, consumption, speculation in stocks, stir-fry futures, speculation in foreign exchange etc. to be referred to as the website on the internet.The user bank of deposit can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the user.Bank card comprises that having of various issued by banks such as debit card, credit card, credit card withdraw the money, do shopping and the card of function such as consumption.
Method of the present invention mainly comprises the steps:
A, user when carrying out online transaction, require the website provide one group of dynamic password that produces at random send to the user in the website registered mobile phone;
B, website random code generator produce one group of random cipher, send to the registered mobile phone of user;
C, user deliver to the site determining identity together with random cipher and the own former fixed password that send the website;
After the random cipher that random cipher that d, website send the user here and fixed password and website send and the fixed password confirmation of the former registration of user, confirm user identity, allow the user to carry out online transaction;
After e, user conclude the business, inform that own Bank Account Number in website or bank card number are with payment on the net;
F, website send to the user bank of deposit and require from the corresponding fund of payment in user's bank account to the payment information of website designated account;
After Website Payments information and identification are received by g, the user bank of deposit, immediately in the mode of voice message phone to user's mobile phone Sending Payments information, the request user confirms or refusal;
H, user utilize mobile phone payment information is confirmed or to be refused and the feedback user bank of deposit;
After user's confirmation is received by i, the user bank of deposit, change corresponding fund over to the website designated account, and will confirm that payment information sends to the website from user account;
J, site determining user online transaction success.
In the method, after the Transaction Success, the user bank of deposit can be to the notice of user mobile phone Sending Payments success; The website can send the notice of Transaction Success to user mobile phone; Online transaction can be shopping online, online stock trading, fries futures and online speculation in foreign exchange on the net; The random code generator of website can be Pu Laidu random code generator (Pseudo Random Number Generator);
The present invention is further illustrated below by drawings and Examples:
The step of process description the inventive method of Figure of description
A, user Huang Xiansheng enter starlight stock net and carry out online stock trading when transaction, are requiring the website to provide one group of dynamic password that produces at random to send to user Huang Xiansheng on the registered mobile phone of website starlight stock net on oneself online computer;
The random code generator of b, website starlight stock net produces one group of random cipher immediately, for example 66668888 sends to the registered mobile phone 13902966788 of user Huang Xiansheng; The each password that produces of random code generator is all inequality, thus be called dynamic password, and each dynamic password is all effective in a short period of time, as 5 minutes, above then ceasing to be in force automatically;
C, user Huang Xiansheng deliver to the site determining identity together with 8 random ciphers 66668888 and own former 6 fixed passwords 123456 that send the website;
After the random cipher 66668888 that send random cipher 66668888 that d, website send Mr. Huang here and fixed password 123456 and website and fixed password 123456 confirmation of the former registration of user, confirm yellow sahibhood, allow its online transaction;
When e, user Huang Xiansheng determined to buy certain stock that is worth 50000 yuan of Renminbi on the net, the own Shenzhen of input agricultural bank card number sign indicating number 95,599 800,851,738 70115 was bought the stock fund with payment on the computer on the net;
F, website starlight stock net send the payment information that requires to pay 50000 yuan of starlight stock net stock money Renminbi in user Huang Xiansheng bank card 95,599 8,008 51,738 70115 accounts to Shenzhen agricultural bank of the user bank of deposit;
After in a single day g, Shenzhen agricultural bank of the user bank of deposit receive Website Payments information and identification, Mobile Directory Number 13902966788 according to the original registration of Mr. Huang, mode with voice message phone sends the payment information of whether agreeing to pay 50000 yuan of Renminbi to Mr.'s Huang mobile phone, and the request user confirms or refusal;
After receiving calls, h, Mr. Huang utilize mobile phone payment information is confirmed or to be refused and feed back Shenzhen agricultural bank; On phone, confirm payment as Mr. Huang, or refuse payment by refusal password 44 by affirmation password 88; In the time of agreement, do not confirm in 5 seconds that as Mr. Huang then bank can be considered it and refuses payment;
After Mr.'s Huang confirmation is received by i, Shenzhen agricultural bank, in user's bank card 955,998,008 51,738 70115 accounts, change 50000 yuan of corresponding fund Renminbi over to website starlight stock net designated account, and will confirm that payment information sends to website starlight stock net.As " user has confirmed to pay 50000 yuan of Renminbi ".Otherwise be " user refuses payment " or the like;
J, starlight stock net are confirmed user's online transaction success.As on user Huang Xiansheng computer, showing " Stock Purchase success! " and so on information.
K, Shenzhen agricultural bank of the user bank of deposit are to the notice of user Huang Xiansheng mobile phone 13902966788 Sending Payments successes; " on July 7th, 2003 13:10 branch, you account reduces 50000 yuan of Renminbi, 58000 yuan of balance in hand Renminbi as SMS notice.”
L, website starlight stock net obtain money received appropriate information after, also can send the notice of Transaction Success to user Huang Xiansheng mobile phone 13902966788; As " on July 7th, 2003 13:10, code name * * stock is successfully bought for 6699 strands, wishes that you make a good deal of money with SMS notice! "
Use this method, also can be used for the shopping on net article, fry online transactions such as futures, online speculation in foreign exchange on the net.
Because this method is used dynamic password, therefore online hacker etc. has stolen also devoid of risk of user's fixed password, because the password theft people does not have user's mobile phone to receive dynamic password.In addition, when confirming payment, because the payment information that password theft people no user mobile phone comes Confirm Bank, so also user's debt can not be transferred.Therefore, this method is a kind of security method of online transaction easily as safe as a house.
Claims (6)
1, a kind of online transaction is used dynamic password and the security method of the payment that confirms phone, and this method comprises the steps:
A, user when carrying out online transaction, require the website provide one group of dynamic password that produces at random send to the user in the website registered mobile phone;
B, website random code generator produce one group of random cipher, send to user's mobile phone;
C, user deliver to the site determining identity together with random cipher and the own former fixed password that send the website;
After the random cipher that random cipher that d, website send the user here and fixed password and website send and the fixed password confirmation of the former registration of user, confirm user identity, allow the user to carry out online transaction;
After e, user conclude the business, inform that own Bank Account Number in website or bank card number are with payment on the net;
F, website send to the user bank of deposit and require from the corresponding fund of payment in user's bank account to the payment information of website designated account;
After Website Payments information and identification are received by g, the user bank of deposit, immediately in the mode of voice message phone to user's mobile phone Sending Payments information, the request user confirms or refusal;
H, user utilize mobile phone payment information is confirmed or to be refused and the feedback user bank of deposit;
After user's confirmation is received by i, the user bank of deposit, change corresponding fund over to the website designated account, and will confirm that payment information sends to the website from user account;
J, site determining user online transaction success.
2, according to claim 1, after the Transaction Success, the user bank of deposit can be to the notice of user mobile phone Sending Payments success;
3, according to claim 1, after the Transaction Success, the website can send the notice of Transaction Success to user mobile phone;
4, according to claim 1, the user bank of deposit can be commercial bank, urban credit cooperative, rural credit cooperative, postal saving and the credit service provider that credit service is provided for the user.
5, according to claim 1, online transaction can be shopping online, online stock trading, fries futures and online speculation in foreign exchange on the net;
6, according to claim 1, the random code generator of website can be Pu Laidu random code generator (Pseudo Random Number Generator);
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140310 CN1591503A (en) | 2003-08-28 | 2003-08-28 | Payment acknowledging safety method for network buying, speculation on stocks, etc. by dynamic cipher and cell phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140310 CN1591503A (en) | 2003-08-28 | 2003-08-28 | Payment acknowledging safety method for network buying, speculation on stocks, etc. by dynamic cipher and cell phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1591503A true CN1591503A (en) | 2005-03-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03140310 Pending CN1591503A (en) | 2003-08-28 | 2003-08-28 | Payment acknowledging safety method for network buying, speculation on stocks, etc. by dynamic cipher and cell phone |
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| Country | Link |
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| CN (1) | CN1591503A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1980129B (en) * | 2005-12-05 | 2011-02-16 | 腾讯科技（深圳）有限公司 | Authority identifying method and system |
-
2003
- 2003-08-28 CN CN 03140310 patent/CN1591503A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1980129B (en) * | 2005-12-05 | 2011-02-16 | 腾讯科技（深圳）有限公司 | Authority identifying method and system |
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