CN107451805A - The operation of mobile communications device - Google Patents
The operation of mobile communications device Download PDFInfo
- Publication number
- CN107451805A CN107451805A CN201610365215.2A CN201610365215A CN107451805A CN 107451805 A CN107451805 A CN 107451805A CN 201610365215 A CN201610365215 A CN 201610365215A CN 107451805 A CN107451805 A CN 107451805A
- Authority
- CN
- China
- Prior art keywords
- card
- data
- mobile device
- account
- authentication code
- 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.)
- Withdrawn
Links
- 238000010295 mobile communication Methods 0.000 title claims abstract description 14
- 238000000034 method Methods 0.000 claims abstract description 20
- 230000005540 biological transmission Effects 0.000 claims description 6
- 230000004913 activation Effects 0.000 claims description 4
- 238000012790 confirmation Methods 0.000 claims description 2
- 238000005516 engineering process Methods 0.000 description 2
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical compound OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 description 1
- 230000000903 blocking effect Effects 0.000 description 1
- 230000001010 compromised effect Effects 0.000 description 1
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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of operation mobile communications device in the method to be communicated with remote server, comprise the following steps：The input data relevant with Payment Card is provided by the software operated on mobile device part；By differentiating that authorities differentiate the data relevant with Payment Card；To the part that optionally sets license on the remote server on the account related to card is provided at by software.The present invention is extended to for the system and software using this method.
Description
Technical field
The present invention relates to the method, system and software by mobile communications device operational account risk management system.
Background technology
Currently, substantial amounts of fraud is by the access for such as bank or the unauthorized for the account for blocking account.Its is most
Number is that occur as the result replicated or " side record " steals letter of identity and credit or debit card.
Although financial institution, credit card association and ard issuers deploy authorizing secure system to prevent for payment facility
The access of unauthorized, still, many is poorly efficient and other to implement cost higher.Such as, it is considered to be most
Although effectively still cost is higher for the smart card of the card payment technology for preventing the record of card side of safety.
And, it is believed that substantial amounts of Internet banking fraud and card fraud are as certificate of registry or Payment Card details
It is compromised and is then used to shift bonus or for internet shopping, the mail order for unauthorized, phone orders and has
What the result of card fraud occurred.
Therefore, it is necessary to increase the device that allows account-holder to be readily accessible to by using most account-holder and
The simple and affordable method of passage, remotely accesses the security on the payment devices and account of authoring system.
Most current fraud prevents work from paying close attention to single challenge, for example, EMV for counterfeit and for because of spy
The 3D-Secure of fraud is netted, but does not cover all financial passages.Efficient system is needed with single scheme covering to the greatest extent
Passage more than possible.
Such as the prescription in international patent application no and PCT/IB2007/055015 and PCT/IB2009/052590
Like that, the account management system for partially overcoming the problem of above-mentioned is had been supplied to.The system is related to centralized server, the collection
Chinese style server allows the card-issuing financial institution of such as bank to allow to access its system, this article from mobile device by text message
This message can be then used to the security feature of control card again.System, which allows to set on Payment Card, permits.Up to now, do not deposit
Allowing system, method that possible license is more sophisticatedly controlled on the system using the ability on mobile communications device
Or software.
In this manual, term " account " refer to such as savings account, phone account, check account, cash account,
Association's trade mark or sale monopoly credit or debit-card account, reflect the businessman of money value or the money account of service provider.
The content of the invention
It is an object of the present invention to provide the method, system and software for overcoming the problem of above-mentioned at least in part.
According to the present invention, there is provided a kind of method for operating mobile communications device to be communicated with remote server, this method bag
Include following step：The input data relevant with Payment Card is provided by the software operated on mobile device part；By excellent
That publishes out the financial institution of Payment Card differentiates that authorities differentiate the data relevant with Payment Card, further preferably activates software control
Card；Optionally long-range clothes are stored in being provided at by software on the transaction setting on the account related to Payment Card
The part for the license being engaged on device.
Also, the step of differentiating the data relevant with card includes：To the transmission of discriminating authorities comprising at least relevant with card number
The data of the carrying signal of data；Carrying is received on the mobile device to pass from discriminating authorities to the mobile communication number related to card
The data of the confirmation signal sent, the data-signal include authentication code；The code differentiated by softward interview；It is preferred that from connecing
Receive in scheduled time for counting of authentication code, from mobile device to server, transmission carrying is including at least card number and authentication code
The data of signal, and preferably in the memory unit related to mobile device store authentication code and make authentication code at least with card
Number correlation.
Also, by permitting on the account setup on remote server to activate or deactivate card, the remote server
Card is activated or deactivated for the transactional operation on account.
Also, the input block of selection " ON " or " OFF " state is optionally activated or is included the step of deactivating card, its
In, select " ON " to be set to be activated by the state of card, also, select " OFF " to be set to be deactivated by the state of card, this is on remote
Related account setup on journey server is permitted accordingly, to allow or not allow this transaction on the remote server.
Also, method include set on it is predetermined using region operate mobile device with input on card activation or go
The alternative pack of the selection of activation, point of sale, auto-teller, online transaction and geographical limitation are included using region；Preferably,
Including setting the input block on predetermined each selection " ON " or " OFF " state using in region.
Also, method includes：Mobile device is operated with the state to request on the account balance of the account related to card
The alternative pack of the data of the server transmission carrying signal of renewal, this account surplus preferably comprise ledgers surplus and available knot
It is remaining；The data of the carrying signal comprising the data related to account balance are received from server；With processing data with mobile dress
The display screen display account balance put.
Also, method includes：Mobile device is operated to limit on the cash account of the account related to card to request
The alternative pack of the data of the server transmission carrying signal of state renewal, cash account limitation preferably comprise day meter and moon meter
Account limits；The data of the carrying signal comprising the data related to cash account limitation are received from server；And processing data
To be limited in the display screen display cash account of mobile device.
Also, it is preferred that at least a portion of the data of carrying signal is transmitted in the form of Short Message Service signal.
The present invention extends further to include can be by the iOSTM operating systems from AppleTM companies, alternatively lead to
Cross the mobile communications device of SymbianTM, AndroidTM or BlackberryTM mobile communications device operating system operation.
According to another characteristic of the invention, there is provided including mobile communications device defined above and be at least configured on
The system of the server of mobile communications device compatible (complimentary) operation.
According to another characteristic of the invention, there is provided a kind of to operate on mobile communication devices to operate the method for the above
Software.
According to another characteristic of the invention, there is provided a kind of to be configured as operating one group of instruction to perform the shifting of the method for the above
Dynamic communicator.
Claims (7)
1. a kind of operation mobile communications device comprises the following steps in the method to be communicated with remote server：By in movement
The software operated on device feature provides the input data relevant with Payment Card；By differentiating that it is relevant with Payment Card that authorities differentiate
Data；To the portion that optionally sets license on the remote server on the account related to card is provided at by software
Part.
2. the method as described in claim 1, including the card for being used to control by software by the software activation in mobile device
The step of.
3. method as claimed in claim 1 or 2, including the financial institution by sending Payment Card differentiate the number relevant with Payment Card
According to.
4. the method as described in claim 1 or 3, wherein, the step of differentiating the data relevant with card, includes：To discriminating, authorities pass
Send the data of the carrying signal comprising data at least relevant with card number；On the mobile device receive carrying from differentiate authorities to
The data of the confirmation signal of the related mobile communication number transmission of card, the data-signal include authentication code；Pass through softward interview
The code of discriminating；With the transmission carrying from mobile device to server including at least the data of card number and the signal of authentication code.
5. method as claimed in claim 4, wherein, within the scheduled time from being received authentication code in mobile device, lead to
The softward interview authentication code crossed in mobile device.
6. the method as described in claim 4 or 5, be included in the memory unit related to mobile device store authentication code and
Make authentication code at least related to card number.
7. the method as described in any one of claim 1~6, wherein, can be by being set on the account on remote server
Determine license activation or deactivate card, the remote server activates or deactivated card for the transactional operation on account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610365215.2A CN107451805A (en) | 2016-05-30 | 2016-05-30 | The operation of mobile communications device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610365215.2A CN107451805A (en) | 2016-05-30 | 2016-05-30 | The operation of mobile communications device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107451805A true CN107451805A (en) | 2017-12-08 |
Family
ID=60484613
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610365215.2A Withdrawn CN107451805A (en) | 2016-05-30 | 2016-05-30 | The operation of mobile communications device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107451805A (en) |
-
2016
- 2016-05-30 CN CN201610365215.2A patent/CN107451805A/en not_active Withdrawn
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Shanghai grace Industry Co., Ltd. Document name: Notification of Publication of the Application for Invention |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Shanghai grace Industry Co., Ltd. Document name: Notification of before Expiration of Request of Examination as to Substance |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Shanghai grace Industry Co., Ltd. Document name: Notification that Application Deemed to be Withdrawn |
|
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20171208 |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Shanghai grace Industry Co., Ltd. Document name: Notification of Passing Examination on Formalities |