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WO2007118428A1 - Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants - Google Patents

Dispositif de service de transfert électronique fiable sans mot de passe, et carte de transfert et procédé correspondants Download PDF

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Publication number
WO2007118428A1
WO2007118428A1 PCT/CN2007/001234 CN2007001234W WO2007118428A1 WO 2007118428 A1 WO2007118428 A1 WO 2007118428A1 CN 2007001234 W CN2007001234 W CN 2007001234W WO 2007118428 A1 WO2007118428 A1 WO 2007118428A1
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WO
WIPO (PCT)
Prior art keywords
secure
transfer
user
electronic
account
Prior art date
Application number
PCT/CN2007/001234
Other languages
English (en)
French (fr)
Other versions
WO2007118428A8 (fr
Inventor
Wanchun Hou
Jinliang Li
Original Assignee
Wanchun Hou
Jinliang Li
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Wanchun Hou, Jinliang Li filed Critical Wanchun Hou
Publication of WO2007118428A1 publication Critical patent/WO2007118428A1/zh
Publication of WO2007118428A8 publication Critical patent/WO2007118428A8/zh

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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]
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

Definitions

  • the invention relates to the field of mobile communication technology and the field of finance, in particular to a secure and convenient secure and secret-free electronic money transfer service device through a command control of a mobile phone, a secure secretless electronic transfer card, and a mobile phone
  • a method of constructing a device for instructing to implement a secure and convenient electronic money transfer service a method for completing an electronic money transfer through a secure and confidential electronic transfer card, and a method for completing a settlement transfer through a secure, confidential electronic transfer card.
  • the secure secretless electronic debit card is a new concept proposed by the present invention and refers to an electronic debit card without a password.
  • the secure and confidential EFT card is different from the bank's general account.
  • the security of the secure secretless electronic debit card is that the secure, secretless electronic money transfer service device of the present invention only allows the mobile phone to initiate the bank card account and secure secure electronic debit card account corresponding to the mobile phone number in its database. The transfer between the banks; the bank's account management server only allows the secure, confidential electronic transfer service device of the present invention to transfer funds from the bank card account of the mobile phone number user.
  • the inventor believes that if the shortcomings in the above e-commerce payment activity are overcome, the mobile phone number is used as a control tool, and a secure, passwordless transfer platform based on the mobile communication network and the e-commerce service is established, and the mobile communication network and Based on computer Internet resources, it will provide mobile phone users with convenient, fast and secure e-commerce services. Especially in the case of mobile phone network and computer Internet network services becoming more and more popular, people's e-commerce needs are gradually emerging. Increasing trend. Therefore, meeting the convenience and security needs of people's e-commerce transfer is not only a scientific research subject faced by technicians, but also a service project that mobile network operators and financial fields need to provide as soon as possible.
  • the existing computer technology, network technology and mobile communication technology make the technical concept of the secure secretless electronic debit card proposed by the inventor for the first time possible, that is to say, to provide a secure and confidential electronic transfer card for the user.
  • the service's operating system provides technical support. Therefore, the concept that the inventor first proposed to provide a user with a secure secretless electronic debit card service has been established.
  • the present invention is directed to a defect or deficiency in the prior art, and provides a secure and convenient secure and secretless electronic money transfer service device through command control of a mobile phone, by which the secure and confidential electronic transfer can be issued and popularized.
  • Cards, users who use secure, confidential EFT cards can easily transfer e-commerce with the security of their bank accounts.
  • the present invention also provides a secure secretless electronic transfer card based on the mobile phone's transfer control by means of instructions, thereby effectively protecting the security of funds on the user's bank account, and greatly facilitating e-commerce activities such as user transfer and payment activities.
  • the invention also provides a method for constructing a secure, secretless electronic transfer service device.
  • the present invention also provides a method for completing an e-commerce transfer by means of a secure, confidential electronic transfer card.
  • the present invention also provides a method of completing a settlement transfer by a secure, confidential electronic transfer card.
  • the general technical idea of the present invention is to establish an electronic transfer device and issue a secure and confidential electronic transfer card, and the mobile phone user has its secure electronic accountless transfer card, mobile phone number and bank card in the electronic transfer device. Establish a comparison relationship, and make full use of the short message, voice dialing, data service and other functions of the mobile phone, so that the user sends a transfer instruction to the electronic transfer device through the mobile phone, and the electronic transfer device completes the secure and confidential electronic transfer through the UnionPay transaction interface server.
  • a secure, confidential electronic transfer service device characterized by: including mobile communication networks, telecommunications a mobile control gateway device interconnected by a business internal data network and a data internet network, wherein the mobile control gateway device connects the mobile phone terminal user through a mobile communication network operated by the telecommunication, and connects the short message center and the short message through the mobile operator internal data network.
  • Gateway and several virtual telecommunication service providers including: including mobile communication networks, telecommunications a mobile control gateway device interconnected by a business internal data network and a data internet network, wherein the mobile control gateway device connects the mobile phone terminal user through a mobile communication network operated by the telecommunication, and connects the short message center and the short message through the mobile operator internal data network.
  • SP service interface server connecting Internet computer users through data internet network; secure interconnection with UnionPay account interface server, ATM or POS of several banks, settlement interface server of several settlement companies and/or several e-commerce interface servers
  • the secret electronic debit card communication device the secure non-secure electronic debit card communication device has a management security secretless electronic debit card account, handles the transfer service of the secure non-secure electronic debit card account, handles the bank account and the secure non-secure electronic debit card account a transfer operation between the transfer service and the secure and confidential EFT card account, and connected to the mobile phone terminal through the mobile control gateway device, receiving an account operation instruction sent by the user via the mobile phone, and The operation result is returned to the mobile control gateway device, and the mobile control gateway device returns the operation execution result to the mobile phone user.
  • a secure and confidential electronic transfer card comprising: an account number and a smart card, a radio frequency card or a magnetic card associated with the account, or a combination thereof, and establishing a corresponding relationship in the database of the electronic transfer device a mobile phone number, a secure secretless electronic transfer account, and a bank account number;
  • the secure secretless electronic debit card can be used to control the secure non-secure electronic debit card to pay various settlement fees through the mobile phone;
  • the mobile phone number and a bank account number for controlling the current balance and status on the secure non-secure electronic debit card;
  • the electronic money transfer device passes the UnionPay Transaction interface server, transferring the corresponding amount of funds on the bank card account to the secure non-secure electronic debit card account, and notifying the mobile phone by short message; when the user sends the balance inquiry through the phone carrying the mobile phone number Or after reporting a loss to the electronic transfer device,
  • the electronic transfer device sends the execution result to the mobile phone as a short
  • the method for opening an account of the secure and confidential electronic transfer card is characterized in that: firstly, a secure and confidential electronic transfer service device is built on the UnionPay transaction network; a menu of "secure and confidential electronic transfer card opening account" is added to the UnionPay POS machine. And related procedures; mobile phone users on the UnionPay POS machine, choose "A After the service is closed, the POS machine prompts the user to swipe the bank card. After the user swipes the bank card, the POS machine prompts the user to enter the password. After the user enters the password, the POS machine prompts the user to input his mobile phone number, and the user inputs the mobile phone number.
  • the POS machine After the phone number, the POS machine sends the bank card account balance inquiry command swiped by the user to the account management server of the bank to which the user's bank card belongs through the UnionPay transaction interface server; if the bank's account management server returns to the UnionPay transaction interface server
  • the balance inquiry success message the UnionPay transaction interface server sends a mobile phone number verification command to the secure, secretless electronic money transfer service device, and the secure, secretless electronic money transfer service device sends a status command to query the mobile phone to the mobile phone
  • the transfer service device establishes a correspondence between the user's mobile phone and the user's bank card in the database, and sends a verification success message of the mobile phone to the UnionPay transaction interface server, and the Union
  • the UnionPay transaction interface server sends a balance inquiry command of the secure secretless electronic money transfer card to the secure, secretless electronic money transfer service device, and the secure, secretless electronic money transfer service device establishes the user in the database After the correspondence between the mobile phone number and its secure non-secure electronic transfer card, the short message of the successful account opening content is sent to the mobile phone user through the telecommunication operator mobile communication network, and the balance inquiry succeeds through the UnionPay transaction interface server. Message to
  • the POS machine After receiving the message, the POS machine prompts the user to open the account successfully.
  • the method for constructing a secure and confidential electronic transfer service device includes: constructing a secure and confidential electronic transfer card communication device, a mobile control gateway device, and providing a settlement interface server of each settlement company and an electronic commerce provided through review
  • the merchant's e-commerce interface server is connected to the secure secretless electronic debit card communication device through the data network;
  • the mobile control gateway device is responsible for receiving an operation instruction of the mobile phone user through the mobile phone to the secure secretless electronic debit card account, and
  • the class instruction is sent to the secure secretless electronic debit card communication device, receives the command operation result sent by the secure secretless electronic debit card communication device, and performs voice, short message and/or data mode interaction with the mobile phone user;
  • the account control method means that after the user sends an instruction through the mobile phone, the secure and confidential electronic transfer service device transfers the funds on the bank account to the secure non-secure electronic debit card account, or secures it.
  • the funds on the full confidential EFT card account are transferred to the account of their bank and are only allowed to be initiated by the mobile phone and between the bank card account and the secure EDT account in the database corresponding to the mobile phone number Transfer of the bank; the account management server of the bank only allows the secure, secretless electronic transfer service device to transfer funds from the bank card account of the mobile phone number user; when the secure and confidential electronic transfer card user sends a transfer control command via the mobile phone After the secure and non-closed electronic money transfer service device, the secure and confidential electronic transfer service device prompts the user to confirm, and then the transfer operation can be performed. After the transfer is completed, the mobile phone receives a short message prompt for successful transfer.
  • the method for completing e-commerce transfer by using a secure and confidential electronic transfer card comprising the following steps: when a user makes a payment through an e-commerce service interface of an e-commerce provider, the e-commerce service interface of the e-commerce provider prompts the user to input security without Secret electronic transfer card number, and generate verification code and transfer amount message, sent to the secure non-secure electronic debit card communication device via the e-commerce provider's e-commerce interface server, and the secure and confidential electronic debit card communication device checks the security Whether the confidential electronic debit card has sufficient transfer funds, if there is not enough transfer funds, the secure non-secure electronic debit card communication device sends the prompt information of the unsuccessful transfer to the e-commerce interface server of the e-commerce provider, the e-commerce interface The server displays the returned message to the user through the e-commerce service interface described above, and ends the e-commerce transfer process; if there is sufficient transfer funds, the secure non-secure electronic debit card communication device forms a temporary password short message and passes the mobile control network The device send
  • the e-mail provider's interface server forms a transfer content message and sends the message to the secure non-secure electronic debit card communication device.
  • the debit card communication device verifies the temporary password.
  • the secure non-secure electronic debit card communication device transfers the funds on the secure non-secure electronic debit card account to the e-commerce provider's bank account, and transfers the transfer operation.
  • the result is replied to the e-commerce interface server of the e-commerce provider, the e-commerce interface server displays the returned message to the user through the e-commerce service interface, and completes other processes of the e-commerce; the temporary password is Each They are all different and random.
  • a method for completing settlement transfer by a secure secretless electronic debit card comprising the steps of: the user sends a transfer command to the mobile control gateway device, the mobile control gateway device and the user through the mobile phone
  • the mobile control gateway device sends a settlement transfer request command to the secure non-secure electronic debit card communication device
  • the secure non-secure electronic debit card communication device sets its mobile phone according to the user's agreement.
  • the funds in the corresponding bank card or secure secret electronic transfer card are transferred to the bank account of the settlement company, and an order is sent to indicate the amount paid by the settlement interface server of the settlement company, and the return is received by the settlement interface server.
  • the secure secret-free electronic debit card communication device transmits the result of the transfer operation to the user through the short message through the mobile control gateway device.
  • the secure non-secure electronic debit card is different from the bank's general account. It is characterized by a secure and confidential EFT card account that is user-oriented for various payment accounts. Users can have a lot of accounts in the bank, but when using external payment, only use security.
  • the confidential electronic transfer card account is transferred by the user, and the user sends an instruction through the mobile phone to the secure, confidential electronic transfer service device of the present invention.
  • the secure, confidential electronic transfer service device of the present invention follows the instructions sent by the user through the mobile phone.
  • the safe and unsecured electronic debit card business will promote the security and benefits of users' funds while facilitating users, and will promote the further development of e-commerce.
  • FIG. 1 is a schematic diagram of a network structure to which the present invention is applied. '
  • the secure, secret-free electronic transfer service device, the network structure applied is as shown in FIG. 1, and its structure is composed of the following parts: including the invention respectively interconnected with the mobile communication network, the internal data network of the telecommunication operator and the data internet network.
  • the mobile control gateway device, the mobile control gateway device of the present invention connects to the mobile phone terminal user through the mobile communication network operated by the telecommunication, and connects the short message center, the short message gateway and several telecommunication service providers, ie SP, through the mobile operator internal data network.
  • the secure secretless electronic debit card communication device of the present invention is interconnected by the ATM or POS and the settlement interface server of several settlement companies and several e-commerce interface servers, and the secure non-secure electronic debit card communication device of the present invention has management security
  • Secure non-secure electronic debit card communication equipment refers to the management of secure non-secure electronic debit card accounts, the management of secure and confidential EFT account account transfer business, the implementation of bank accounts and security without confidential electronic Transfer operations between debit card accounts, saving and managing transfer records for secure confidential EFT account accounts, and more.
  • Mobile control gateway device refers to receiving a transfer request from a mobile phone user, a telecommunication service provider (SP), an e-commerce provider, etc., interacting with the mobile phone user through a short message, voice, data, etc., and confirming the transfer service, and transmitting the relevant
  • the transfer request command of the secure non-secure electronic debit card account to the secure non-secure electronic debit card communication device receiving the return result of the transfer operation replied by the secure secretless electronic debit card communication device, and the result of the transfer operation for the secure non-secure electronic debit card account
  • a short message is formed and sent to its corresponding mobile phone number user, and the result of the transfer operation is sent to the requester who initiated the transfer, and the like.
  • the settlement company refers to a company such as a telecommunications carrier, a power supply, a water supply, a gas supply, a cable television, and the like.
  • the SP refers to a virtual telecommunication service provider. '
  • UnionPay Account Interface Server refers to the service equipment provided by UnionPay institutions to users of various online banks for account inquiry and/or transfer interface.
  • E-commerce interface server refers to the interface service device provided by each e-commerce provider for sales transfer of goods or services.
  • Settlement account interface server refers to the interface service device provided by each settlement company for the management, query, and/or transfer operation of the account of the settlement company.
  • SP interface server refers to the service interface server of each telecommunication service provider (SP).
  • Short message center refers to a device that is connected to a mobile communication network and receives short messages for mobile phones, stores short messages, and forwards short messages to destination addresses. Short message center through mobile operator internal network An interconnected short message gateway for handling short message communication between the mobile phone and the short message service SP. Short message gateway: refers to the device provided by the short message service SP for the SP to provide short message service and charging for the mobile phone user. The device is interconnected with the short message center through the internal network of the mobile operator.
  • Telecom operator mobile communication network refers to the network where telecom operators provide communication services for their mobile phone users.
  • Internal data network of a telecom operator refers to the data communication network between its communication devices built by telecom operators.
  • Data Internet Network A network that provides data communication between computers.
  • UnionPay data network refers to the data network formed to complete the data communication between the banking servers.
  • Mobile phone terminal refers to a mobile terminal that is registered on the mobile operator's mobile communication network.
  • Internet computer A computer that can log on to the data Internet.
  • the implementation of the present invention first requires data setting and construction of a new device in the above network, and the specific description is as follows: Construction of a secure and confidential electronic transfer card communication device, a mobile control gateway device, and a settlement interface of each settlement company that has passed the review
  • the server and the e-commerce interface server of the e-commerce provider are connected to the secure non-secure electronic debit card communication device through the data network;
  • the mobile control gateway device is responsible for receiving the operation of the mobile phone user through the mobile phone to the secure secretless electronic debit card account Directives, and sends the instructions to the secure non-secure electronic debit card communication device, receives the command operation result sent by the secure secretless electronic debit card communication device, and interacts with the mobile phone user in voice, short message, data, etc.
  • the account control method refers to, after the user sends an instruction through the mobile phone, the device of the present invention transfers the funds on the bank account to the secure non-secure electronic debit card account, or securely and electronically transfers the funds. Transfer funds from the card account to their silver On the account, and only allow the mobile phone to initiate the transfer between the bank card account corresponding to the mobile phone number and the secure secretless electronic debit card account in its database; the bank's account management server only allows the security of the invention
  • the secretless electronic transfer service device transfers funds from the bank card account of the mobile phone number user; when the secure confidential electronic transfer card user sends the transfer control command to the secure, confidential electronic transfer service device of the present invention through the mobile phone, After the safe and confidential electronic transfer service device of the present invention prompts the user to confirm, the transfer operation can be performed. After the transfer is completed, the mobile phone receives a short message prompt for successful transfer.
  • the account opening process of secure and confidential electronic debit card First, build a secure, non-secure network on UnionPay's trading network. Electronic transfer service device; UnionPay's POS machine adds a menu of "secure and confidential electronic transfer card opening" and related procedures; Mobile phone users on the UnionPay POS machine, after selecting the "secure secretless electronic transfer account opening" business, the POS machine prompts the user After the bank card is swiped, the POS machine prompts the user to enter the password. After the user enters the password, the POS machine prompts the user to input his mobile phone number. After the user inputs his mobile phone number, the POS machine sends the user through the UnionPay transaction interface server.
  • the swipe bank card account balance inquiry command is sent to the account management server of the bank to which the user's bank card belongs, and if the bank's account management server returns a balance inquiry success message to the UnionPay transaction interface server, the UnionPay transaction interface server sends the mobile phone number verification.
  • the secure, secretless electronic money transfer service device of the present invention sends a status command to query the mobile phone to the user profile server of the telecommunications carrier to which the mobile phone number user belongs, telecommunications Carrier's
  • the user profile server returns the status of the mobile phone number user to the secure, secretless electronic money transfer service device of the present invention.
  • the secure, secretless electronic money transfer service device of the present invention establishes the user in a database. Corresponding relationship between the mobile phone and the user's bank card, and sending a verification success message of the mobile phone to the UnionPay transaction interface server, the UnionPay transaction interface server returns a success message to the POS machine operation, and the POS machine prompts the teller to assign a book to the user.
  • the invention defines a secure and confidential electronic transfer card, and prompts the user to swipe the secure and confidential electronic transfer card. After the user swipes the card with the safe and confidential electronic transfer card assigned by the teller, the POS machine sends a balance inquiry query command to the UnionPay transaction interface server.
  • the UnionPay transaction interface server sends the balance inquiry command of the secure secretless electronic debit card to the secure, secretless electronic money transfer service device of the present invention, and the secure, secretless electronic money transfer service device of the present invention establishes the user's mobile phone in the database. Number and its secure secretless electronic debit card After the correspondence, the short message of the successful account opening content is sent to the mobile phone user through the telecommunication operator mobile communication network, and the balance inquiry success message is returned to the POS machine through the UnionPay transaction interface server, and the POS machine prompts the message after receiving the message. The user opened the account successfully.
  • the POS Point of Sales refers to a device that can accept information such as a magnetic stripe card, an IC card, etc., has a communication function, and accepts instructions from a teller to complete financial transaction information and related information exchange.
  • the method for completing the e-commerce transfer through the secure and confidential electronic transfer card means that when the user pays through the e-commerce service interface of the e-commerce provider, the e-commerce service interface of the e-commerce provider prompts the user to input the secure non-secure electronic transfer card number.
  • the secure non-secure electronic debit card communication device And generating a verification code and a transfer amount message, sent to the secure non-secure electronic debit card communication device via the e-commerce provider's e-commerce interface server, and the secure non-secure electronic debit card communication device checks whether the secure non-secure electronic debit card is sufficient Transfer funds if If there is not enough transfer funds, the secure secretless electronic debit card communication device sends the prompt information of the unsuccessful transfer to the e-commerce interface server of the e-commerce provider, and the e-commerce interface server passes the returned message through the e-commerce service interface described above.
  • the secure secret-free electronic debit card communication device forms a temporary password short message and sends it to the user via the short message gateway or SMS center through the mobile control gateway device
  • a message prompting the user to input a temporary password is sent to the e-commerce interface server of the e-commerce provider, and the e-commerce interface server prompts the user to input a temporary password through the e-commerce service interface, and the user inputs the mobile phone.
  • the message of the e-commerce provider's interface server forming the transfer content is sent to the secure secret-free electronic debit card communication device, and the secure secret-free electronic debit card communication device verifies the temporary password. After the verification is passed, the secure secretless electronic debit card communication device transfers the funds on the secure confidential electronic debit card account to the e-commerce provider's bank account, and returns the transfer operation result to the e-commerce provider's electronic
  • the e-commerce interface server displays the returned message to the user through the e-commerce service interface, and completes the e-commerce transfer process.
  • the method of completing the settlement transfer by the secure non-secure electronic transfer card means that the user sends a transfer command to the mobile control gateway device through the mobile phone, and the mobile control gateway device interacts with the user, and the user confirms the transfer amount and the settlement company after the transfer, and the mobile control
  • the gateway device sends a settlement transfer request command to the secure secretless electronic debit card communication device, and the secure non-secure electronic debit card communication device transfers the funds in the bank card or the secure non-secure electronic debit card corresponding to the mobile phone to the user according to the user's agreement.
  • the secure non-secure electronic debit card communication device After clearing the company's bank account number and indicating the settlement company's settlement interface server the amount paid by the user, transmits the result of the transfer operation to the user through the short message through the mobile control gateway device.

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Description

安全、 无密电子转帐服务装置及其转帐卡和方法 技术领域
本发明涉及移动通信技术领域和金融领域，特别是一种通过移动电话的指令 控制来实现安全和便捷的安全、无密电子转帐服务装置，一种安全无密电子转帐 卡，以及通过移动电话的指令控制来实现安全和便捷的电子转帐服务的装置的构 建方法，通过安全无密电子转帐卡完成电子商务转帐的方法和通过安全无密电子 转帐卡完成结算转帐的方法。所述的安全无密电子转帐卡是本发明提出的一个新 概念，是指没有密码的电子转帐卡。安全无密电子转帐卡不同于银行的一般帐户， 其特点是安全无密电子转帐卡帐户是用户面向各种支付的帐户，用户在银行的帐 户可以有很多， 但对外支付的时候， 只使用安全无密电子转帐卡帐户进行转帐。 安全无密电子转帐卡的安全性在于本发明的安全、无密电子转帐服务装置只允许 移动电话发起的，并且在其数据库中该移动电话号码对应的银行卡帐户和安全无 密电子转帐卡帐户之间的转帐；银行的帐户管理服务器只允许本发明的安全、无 密电子转帐服务装置从移动电话号码用户的银行卡帐户中转出资金。
背景技术
在目前的移动通信领域、金融领域和电子商务领域， 为开展电子商务， 银行 通常釆用直接通过用户的银行帐户来完成电子商务的转帐交易；移动通信运营商 通过把移动电话号码和银行卡帐号进行绑定来开展移动电子支付，其共同的特点 是通过银行的帐号直接进行电子商务中的转帐操作，故存在一些缺陷，主要表现 在： 一、 电子商务提供商众多， 用户的银行帐号经常地操作， 会产生用户帐户被 解密的问题， 用户的资金有被盗取的风险。二、用户的帐户发生转帐时， 用户得 不到有效的控制和及时的通知。本发明人认为：如果克服上述电子商务支付活动 中的缺陷，把移动电话号码作为一种控制工具，并建立一个基于移动通信网络和 电子商务服务的安全、无密码转帐平台， 以移动通信网络和计算机互联网网络资 源为基础， 将给移动电话用户提供方便、快捷、安全的电子商务服务， 特别是在 移动电话网络和计算机互联网网络业务越来越普及的情况下，人们的电子商务需 求也逐渐呈现日益上升的趋势。因此，满足人们的电子商务转帐的便捷与安全需 求，既是技术人员所面临的科研课题，也是移动网络运营商和金融领域需要尽快 提供的服务项目。 现有的计算机技术、网络技术和移动通信技术，使得本发明人首次提出的安 全无密电子转帐卡的技术构思有了实现的可能，也就是说为建立实现对用户提供 安全无密电子转帐卡服务的运营系统提供了技术支持。因此，本发明人首次提出 的对用户提供安全无密电子转帐卡服务的概念得到了确立。
目前尚未检索到有关安全无密电子转帐卡的相关专利文献。
发明内容
本发明针对现有技术中存在的缺陷或不足，提供一种通过移动电话的指令控 制来实现安全和便捷的安全、无密电子转帐服务装置，采用该装置就能够发行和 普及安全无密电子转帐卡，使用安全无密电子转帐卡的用户可以在确保其银行帐 户资金安全的条件下， 便捷地进行电子商务的转帐。
本发明还提供一种基于移动电 i舌通过指令进行转帐控制的安全无密电子转 帐卡，从而有效地保护用户银行帐户上资金的安全，极大地方便用户的转帐与支 付活动等电子商务活动。
本发明还提供一种安全、 无密电子转帐服务装置的构建方法。
本发明还提供一种通过安全无密电子转帐卡完成电子商务转帐的方法。 本发明还提供一种通过安全无密电子转帐卡完成结算转帐的方法。
本发明总的技术构思为，建立一种电子转帐设备，并发行一种安全无密电子 转帐卡，移动电话用户把其安全无密电子转帐卡、移动电话号码以及银行卡在该 电子转帐设备中建立对照关系，而且充分利用移动电话的短消息、语音拨号、数 据业务等功能，使得用户通过移动电话发送转帐指令到该电子转帐设备，该电子 转帐设备通过银联交易接口服务器完成安全无密电子转帐卡和银行卡之间的转 帐； 用户把安全无密电子转帐卡运用在各种 POS机上进行便捷地支付操作； 用 户通过移动电话可以停止或挂失该安全无密电子转帐卡；用户也可以通过移动电 话的转帐控制指令便捷地完成电话费、 电费、水费等各种结算费用的支付； 并且 当用户通过移动电话发送控制指令来操作安全无密电子转帐卡后，该电子转帐设 备将以短消息的形式把执行结果反馈给该用户。这样的好处是最大限度地保护用 户银行帐户上资金的安全， 最大限度地方便用户的电子支付活动。
本发明的技术方案如下：
安全、无密电子转帐服务装置， 其特征在于： 包括与移动通信网络、 电信运 营商内部数据网络和数据互联网网络分别互联的移动控制网关设备，所述移动控 制网关设备通过电信运营的移动通信网络连接移动电话终端用户，通过移动运营 商内部数据网络连接短消息中心、 短消息网关以及数个虚拟电信业务提供商即
SP业务接口服务器， 通过数据互联网网络连接互联网计算机用户； 与银联帐户 接口服务器、数个银行的 ATM或 POS、数个结算公司的结算接口服务器和 /或数 个电子商务接口服务器分别互联的安全无密电子转帐卡通信设备，所述安全无密 电子转帐卡通信设备具有管理安全无密电子转帐卡帐户，办理安全无密电子转帐 卡帐户的转帐业务，办理银行帐户与安全无密电子转帐卡帐户之间的转帐业务和 保存与管理安全无密电子转帐卡帐户的转帐记录功能，并通过所述移动控制网关 设备连接于所述移动电话终端， 接收用户通过移动电话发送上来的帐户操作指 令，并返回操作结果给所述移动控制网关设备，所述移动控制网关设备把操作执 行结果返回给移动电话用户。
一种安全无密电子转帐卡，其特征在于：包括一个帐号和一个与该帐号相关 的一张智能卡、射频卡或磁卡， 或者其组合， 并在电子转帐设备的数据库里建立 具有对应关系的一个移动电话号码、 一个安全无密电子转帐帐户和一个银行帐 号；该安全无密电子转帐卡，能够用于通过移动电话控制该安全无密电子转帐卡 支付各种结算费用；所述移动电话号码和银行帐号，用于控制该安全无密电子转 帐卡上的当前余额以及状态；当用户通过承载该移动电话号码的电话发送设定数 额的充值命令到电子转帐设备后， 所述电子转帐设备通过银联交易接口服务器， 把该银行卡帐户上相应数额的资金转帐到该安全无密电子转帐卡帐户，并通过短 消息通知到该移动电话上；当用户通过承载该移动电话号码的电话发送余额査询 或挂失等命令到电子转帐设备后，所述电子转帐设备把执行结果以短消息的方式 发送到该移动电话上； 该安全无密电子转帐卡， 能够在银行的 ATM上取款， 在 服务或商品提供商的 POS上进行转帐消费； 当用户在 POS机上使用安全无密电 子转帐卡进行支付时， 目的帐户不限， 不需要密码， 但需要通过联网进行实时帐 户操作。
所述的安全无密电子转帐卡的开户方法，其特征在于：首先在银联的交易网 络上建设安全、 无密电子转帐服务装置； 银联的 POS机上增加 "安全无密电子 转帐卡开户"的菜单以及相关程序；移动电话用户在银联的 POS机上，选择 "安 全无密电子转帐开户 "业务后， POS机提示用户刷银行卡， 用户刷银行卡后， POS机提示用户输入密码， 用户输入密码之后， POS机提示用户输入其移动电 话号码，用户输入其移动电话号码之后， POS机通过银联交易接口服务器发送该 用户刷过的银行卡帐户余额査询命令到该用户的银行卡所属的银行的帐户管理 服务器；如果银行的帐户管理服务器返回给银联交易接口服务器余额査询成功消 息，则银联交易接口服务器发送移动电话号码验证命令到所述安全、无密电子转 帐服务装置，该安全、无密电子转帐服务装置发送查询该移动电话的状态命令到 该移动电话号码用户所属的电信运营商的用户资料服务器，电信运营商的用户资 料服务器返回该移动电话号码用户的状态到所述安全、 无密电子转帐服务装置； 如果该移动电话号码为正常用户，该安全、无密电子转帐服务装置在数据库中建 立该用户的移动电话和该用户的银行卡的对应关系，并发送验证移动电话的状态 成功消息到银联交易接口服务器， 银联交易接口服务器返回给 POS机操作成功 消息， POS机提示柜员给用户分配一张安全无密电子转帐卡，并提示用户刷该安 全无密电子转帐卡；该用户用柜员分配的安全无密电子转帐卡刷卡后， POS机发 送余额査询查询命令到银联交易接口服务器，银联交易接口服务器发送该安全无 密电子转帐卡的余额査询命令到所述安全、无密电子转帐服务装置， 该安全、无 密电子转帐服务装置在数据库中建立该用户的移动电话号码和其安全无密电子 转帐卡的对应关系后，通过电信运营商移动通信网络，发送开户成功内容的短消 息给该移动电话用户， 同时，通过银联交易接口服务器返回余额査询成功消息到
POS机， POS机收到该消息后， 提示用户开户成功。
安全、无密电子转帐服务装置的构建方法， 其特征在于， 包括： 建设安全无 密电子转帐卡通信设备、移动控制网关设备，并把经审查通过的各结算公司的结 算接口服务器以及电子商务提供商的电子商务接口服务器通过数据网络连接到 安全无密电子转帐卡通信设备；所述的移动控制网关设备负责接收移动电话用户 通过移动电话对安全无密电子转帐卡帐户的操作指令，并把该类指令发送到安全 无密电子转帐卡通信设备，接收安全无密电子转帐卡通信设备发送过来的指令操 作结果， 并与移动电话用户进行语音、 短消息和 /或数据方式的交互； 所述的帐 户控制方法是指， 在用户通过移动电话发送指令后， 所述安全、无密电子转帐服 务装置才把其银行帐户上的资金转帐到其安全无密电子转帐卡帐户上，或把其安 全无密电子转帐卡帐户上的资金转帐到其银行的帐户上，并且只允许移动电话发 起的，并且在其数据库中该移动电话号码对应的银行卡帐户和安全无密电子转帐 卡帐户之间的转帐； 银行的帐户管理服务器只允许所述安全、无密电子转帐服务 装置从移动电话号码用户的银行卡帐户中转出资金；当安全无密电子转帐卡用户 通过移动电话发送转帐控制命令到所述安全、无密电子转帐服务装置后，该安全、 无密电子转帐服务装置提示用户确认之后，才能够进行转帐操作，转帐完成之后， 该移动电话会接收到转帐成功的短消息提示。
通过安全无密电子转帐卡完成电子商务转帐的方法，其特征在于包括以下步 骤:用户通过电子商务提供商的电子商务服务界面进行支付时， 电子商务提供商 的电子商务服务界面提示用户输入安全无密电子转帐卡卡号，并生成验证码和转 帐金额消息，经该电子商务提供商的电子商务接口服务器发送到安全无密电子转 帐卡通信设备，安全无密电子转帐卡通信设备检査该安全无密电子转帐卡是否有 足够的转帐资金，如果没有足够的转帐资金，安全无密电子转帐卡通信设备把转 帐不成功的提示信息发送给该电子商务提供商的电子商务接口服务器，该电子商 务接口服务器把返回的消息通过上述的电子商务服务界面显示给该用户，结束该 电子商务转帐过程；如果有足够的转帐资金，安全无密电子转帐卡通信设备形成 临时密码的短消息，并通过移动控制网关设备经短消息网关或短信中心发送到该 用户的移动电话上，同时发送提示用户输入临时密码的消息到该电子商务提供商 的电子商务接口服务器，该电子商务接口服务器通过上述的电子商务服务界面提 示用户输入临时密码， 该用户输入其移动电话接收到的短消息中的临时密码之 后，电子商务提供商的接口服务器形成转帐内容的消息发送到安全无密电子转帐 卡通信设备， 安全无密电子转帐卡通信设备对临时密码进行验证， 验证通过后， 安全无密电子转帐卡通信设备把该安全无密电子转帐卡帐户上的资金转帐到该 电子商务提供商的银行帐号上，并把转帐操作结果回复给该电子商务提供商的电 子商务接口服务器，该电子商务接口服务器把返回的消息通过上述的电子商务服 务界面显示给该用户，并完成该电子商务的其他过程；所述的临时密码是每次都 不一样的， 具有随机性。
通过安全无密电子转帐卡完成结算转帐的方法， 其特征在于包括以下步骤： 用户通过移动电话发送转帐命令到移动控制网关设备，移动控制网关设备与用户 进行交互，用户确认转帐金额和收帐的结算公司后，移动控制网关设备发送结算 转帐请求命令到安全无密电子转帐卡通信设备，安全无密电子转帐卡通信设备根 据用户约定，把其移动电话对应的银行卡或安全无密电子转帐卡中的资金转帐到 该结算公司的银行帐号上，并发送命令指示该结算公司的结算接口服务器该用户 支付的金额，并接收到该结算接口服务器返回的操作成功消息后，安全无密电子 转帐卡通信设备通过移动控制网关设备把转帐操作结果通过短消息发送给该用 户。
本发明技术效果如下：
由上述技术方案可以看出，通过移动电话号码通过安全无密电子转帐卡实现 安全无密电子转帐交易是保证用户银行卡资金安全的一种新途径。安全无密电子 转帐卡不同于银行的一般帐户，其特点是安全无密电子转帐卡帐户是用户面向各 种支付的帐户， 用户在银行的帐户可以有很多，但对外支付的时候， 只使用安全 无密电子转帐卡帐户进行转帐， 用户通过其移动电话发送指令到本发明的安全、 无密电子转帐服务装置，本发明的安全、无密电子转帐服务装置按照用户通过该 移动电话发送的指令把其银行帐户上的资金转帐到其安全无密电子转帐卡帐户 上，或把其安全无密电子转帐卡帐户上的资金转帐到其银行的帐户上。这样就有 效地保护用户银行帐户上资金的安全，极大地方便用户的支付活动。安全无密电 子转帐卡业务在方便使用者的同时，有力地保障使用者的资金安全和利益，将推 动电子商务的进一步发展。
附图说明
图 1为本发明所应用的网络结构示意图。 '
具体实施方式
下面结合附图对本发明作进一步的详细说明。
安全、无密电子转帐服务装置， 所应用的网络结构如图 1所示， 其结构分别 由以下各部分组成：包括与移动通信网络、 电信运营商内部数据网络和数据互联 网网络分别互联的本发明的移动控制网关设备，本发明的移动控制网关设备通过 电信运营的移动通信网络连接移动电话终端用户，通过移动运营商内部数据网络 连接短消息中心、 短消息网关以及数个电信业务提供商即 SP业务接口服务器， 通过数据互联网网络连接互联网计算机用户；与银联帐户接口服务器、数个银行 的 ATM或 POS以及数个结算公司的结算接口服务器、数个电子商务接口服务器 分别互联的本发明的安全无密电子转帐卡通信设备，本发明的安全无密电子转帐 卡通信设备具有管理安全无密电子转帐卡帐户，办理安全无密电子转帐卡帐户的 转帐业务，办理银行帐户与安全无密电子转帐卡帐户之间的转帐业务和保存与管 理安全无密电子转帐卡帐户的转帐记录功能，并通过本发明的移动控制网关设备 连接于所述移动电话终端，接收用户通过移动电话发送上来的帐户操作指令， 并 返回操作结果给本发明的移动控制网关设备，本发明的移动控制网关设备把根据 执行结果返回给移动电话用户。
各部分的功能作用叙述如下- 安全无密电子转帐卡通信设备通信设备： 是指管理安全无密电子转帐卡帐 户，管理安全无密电子转帐卡帐户的转帐业务，执行银行帐户与安全无密电子转 帐卡帐户之间的转帐操作， 保存与管理安全无密电子转帐卡帐户的转帐记录等。
移动控制网关设备： 是指接收移动电话用户、 电信业务提供商 (SP)、 电子商 务提供商等的转帐请求， 通过短消息、语音、 数据等业务与移动电话用户交互与 确认转帐业务，发送有关安全无密电子转帐卡帐户的转帐请求命令到安全无密电 子转帐卡通信设备，接收安全无密电子转帐卡通信设备回复的转帐操作的返回结 果，对于安全无密电子转帐卡帐户的转帐操作结果形成短消息并发送到其对应的 移动电话号码用户， 同时把转帐的操作结果发送到发起转帐的请求者等。
所述的结算公司是指在电信运营商、供电、供水、供气、有线电视等公司等。 所述的 SP是指虚拟电信业务提供商。 '
银联帐户接口服务器： 是指银联机构提供的用户到各联网银行进行帐户查 询、 和 /或转帐接口的服务设备。
电子商务接口服务器：是指各电子商务提供商提供的对商品或服务进行销售 转帐的接口服务设备。
结算帐户接口服务器：是指各结算公司提供的用户对其在该结算公司的帐户 进行管理、 查询、 和 /或转帐操作的接口服务设备。
SP接口服务器： 是指各电信业务提供商 (SP)的业务接口服务器。
短消息中心： 是指与移动通信网络互联的、用于接收移动电话的短消息， 存 储短消息， 转发短消息到目的地址的设备。短消息中心通过移动运营商内部网络 互联短消息网关， 用于处理移动电话与短消息业务 SP之间的短消息通信。 短消息网关： 是指为短消息业务 SP提供的、 用于 SP为移动电话用户提供 短消息服务与计费的设备， 该设备通过移动运营商内部网络与短消息中心互联。
电信运营商移动通信网络：是指电信运营商为其移动电话用户提供通信业务 的网络。
电信运营商内部数据网络：是指电信运营商建设的其通信设备之间的数据通 信网络。
数据互联网网络： 是指提供计算机之间进行数据通信的网络。
银联数据网络：是指为完成银行业务服务器之间的数据通信而组建的数据网 络。
移动电话终端： 是指登录在移动运营商的移动通信网络上的移动终端。 互联网计算机： 是指能够登录到数据互联网上的计算机。
实施本发明首先需要在上述网络中进行数据的设置与新设备的建设，具体描 述如下： 建设安全无密电子转帐卡通信设备、移动控制网关设备， 并把审査通过 的各结算公司的结算接口服务器以及电子商务提供商的电子商务接口服务器通 过数据网络连接到安全无密电子转帐卡通信设备；所述的移动控制网关设备负责 接收移动电话用户通过移动电话对安全无密电子转帐卡帐户的操作指令，并把该 类指令发送到安全无密电子转帐卡通信设备，接收安全无密电子转帐卡通信设备 发送过来的指令操作结果， 并与移动电话用户进行语音、短消息、数据等方式的 交互； 所述的帐户控制方法是指， 在用户通过移动电话发送指令后， 本发明装置 才把其银行帐户上的资金转帐到其安全无密电子转帐卡帐户上，或把其安全无密 电子转帐卡帐户上的资金转帐到其银行的帐户上， 并且只允许移动电话发起的， 并且在其数据库中该移动电话号码对应的银行卡帐户和安全无密电子转帐卡帐 户之间的转帐；银行的帐户管理服务器只允许本发明的安全、无密电子转帐服务 装置从移动电话号码用户的银行卡帐户中转出资金；当安全无密电子转帐卡用户 通过移动电话发送转帐控制命令到本发明的安全、无密电子转帐服务装置后，本 发明的安全、 无密电子转帐服务装置提示用户确认之后， 才能够进行转帐操作， 转帐完成之后， 该移动电话会接收到转帐成功的短消息提示。
安全无密电子转帐卡的开户流程：首先在银联的交易网络上建设安全、无密 电子转帐服务装置； 银联的 POS机上增加 "安全无密电子转帐卡开户"的菜单 以及相关程序； 移动电话用户在银联的 POS机上， 选择 "安全无密电子转帐开 户"业务后， POS机提示用户刷银行卡， 用户刷银行卡后， POS机提示用户输 入密码，用户输入密码之后， POS机提示用户输入其移动电话号码，用户输入其 移动电话号码之后， POS机通过银联交易接口服务器发送该用户刷过的银行卡帐 户余额查询命令到该用户的银行卡所属的银行的帐户管理服务器，如果银行的帐 户管理服务器返回给银联交易接口服务器余额查询成功消息，则银联交易接口服 务器发送移动电话号码验证命令到本发明的安全、无密电子转帐服务装置，本发 明的安全、无密电子转帐服务装置发送查询该移动电话的状态命令到该移动电话 号码用户所属的电信运营商的用户资料服务器，电信运营商的用户资料服务器返 回该移动电话号码用户的状态到本发明的安全、无密电子转帐服务装置，如果该 移动电话号码为正常用户，本发明的安全、无密电子转帐服务装置在数据库中建 立该用户的移动电话和该用户的银行卡的对应关系，并发送验证移动电话的状态 成功消息到银联交易接口服务器， 银联交易接口服务器返回给 POS机操作成功 消息， POS机提示柜员给用户分配一张本发明定义的安全无密电子转帐卡，并提 示用户刷该安全无密电子转帐卡，该用户用柜员分配的安全无密电子转帐卡刷卡 后， POS机发送余额查询査询命令到银联交易接口服务器，银联交易接口服务器 发送该安全无密电子转帐卡的余额查询命令到本发明的安全、无密电子转帐服务 装置，本发明的安全、无密电子转帐服务装置在数据库中建立该用户的移动电话 号码和其安全无密电子转帐卡的对应关系后，通过电信运营商移动通信网络，发 送开户成功内容的短消息给该移动电话用户， 同时，通过银联交易接口服务器返 回余额查询成功消息到 POS机， POS机收到该消息后， 提示用户开户成功。 所 述的 POS(Point of Sales)是指能够接受磁条卡、 IC卡等信息， 具有通讯功能， 并 接受柜员的指令而完成金融交易信息和有关信息交换的设备。
通过安全无密电子转帐卡完成电子商务转帐的方法是指用户通过电子商务 提供商的电子商务服务界面进行支付时，电子商务提供商的电子商务服务界面提 示用户输入安全无密电子转帐卡卡号，并生成验证码和转帐金额消息，经该电子 商务提供商的电子商务接口服务器发送到安全无密电子转帐卡通信设备，安全无 密电子转帐卡通信设备检查该安全无密电子转帐卡是否有足够的转帐资金，如果 没有足够的转帐资金，安全无密电子转帐卡通信设备把转帐不成功的提示信息发 送给该电子商务提供商的电子商务接口服务器，该电子商务接口服务器把返回的 消息通过上述的电子商务服务界面显示给该用户， 结束该电子商务转帐过程；如 果有足够的转帐资金， 安全无密电子转帐卡通信设备形成临时密码短消息， 并通 过移动控制网关设备经短消息网关或短信中心发送到该用户的移动电话上，同时 发送提示用户输入临时密码的消息到该电子商务提供商的电子商务接口服务器， 该电子商务接口服务器通过上述的电子商务服务界面提示用户输入临时密码，该 用户输入其移动电话接收到的短消息中的临时密码之后，电子商务提供商的接口 服务器形成转帐内容的消息发送到安全无密电子转帐卡通信设备，安全无密电子 转帐卡通信设备对临时密码进行验证，验证通过后， 安全无密电子转帐卡通信设 备把该安全无密电子转帐卡帐户上的资金转帐到该电子商务提供商的银行帐号 上， 并把转帐操作结果回复给该电子商务提供商的电子商务接口服务器，该电子 商务接口服务器把返回的消息通过上述的电子商务服务界面显示给该用户，完成 该电子商务的转帐过程。
通过安全无密电子转帐卡完成结算转帐的方法是指用户通过移动电话发送 转帐命令到移动控制网关设备，移动控制网关设备与用户进行交互， 用户确认转 帐金额和收帐的结算公司后，移动控制网关设备发送结算转帐请求命令到安全无 密电子转帐卡通信设备，安全无密电子转帐卡通信设备根据用户约定，把其移动 电话对应的银行卡或安全无密电子转帐卡中的资金转帐到该结算公司的银行帐 号上， 并指示该结算公司的结算接口服务器该用户支付的金额后， 安全无密电子 转帐卡通信设备通过移动控制网关设备把转帐操作结果通过短消息发送给该用 户。
应当指出，以上所述具体实施方式可以使本领域的技术人员更全面地理解本 发明， 但不以任何方式限制本发明。 因此， 尽管本说明书参照附图和实施方式对 本发明已进行了详细的说明， 但是， 本领域技术人员应当理解， 仍然可以对本发 明进行修改或者等同替换；而一切不脱离本发明的精神和范围的技术方案及其改 进， 其均应涵盖在本发明专利的保护范围当中。

Claims

权利要求
1.安全、 无密电子转帐服务装置， 其特征在于： 包括与移动通信网络、 电信 运营商内部数据网络和数据互联网网络分别互联的移动控制网关设备，所述移动 控制网关设备通过电信运营的移动通信网络连接移动电话终端用户，通过移动运 营商内部数据网络连接短消息中心、短消息网关以及数个虚拟电信业务提供商即
SP业务接口服务器， 通过数据互联网网络连接互联网计算机用户； 与银联帐户 接口服务器、数个银行的 ATM或 POS、数个结算公司的结算接口服务器和 /或数 个电子商务接口服务器分别互联的安全无密电子转帐卡通信设备，所述安全无密 电子转帐卡通信设备具有管理安全无密电子转帐卡帐户，办理安全无密电子转帐 卡帐户的转帐业务，办理银行帐户与安全无密电子转帐卡帐户之间的转帐业务和 保存与管理安全无密电子转帐卡帐户的转帐记录功能，并通过所述移动控制网关 设备连接于所述移动电话终端， 接收用户通过移动电话发送上来的帐户操作指 令，并返回操作结果给所述移动控制网关设备，所述移动控制网关设备把根据执 行结果返回给移动电话用户。 -
2.—种安全无密电子转帐卡， 其特征在于： 包括一个帐号和一个与该帐号相 关的一张智能卡、射频卡或磁卡， 或者其组合， 并在电子转帐设备的数据库里建 立具有对应关系的一个移动电话号码、一个安全无密电子转帐帐户和一个银行帐 号；该安全无密电子转帐卡，能够用于通过移动电话控制该安全无密电子转帐卡 支付各种结算费用；所述移动电话号码和银行帐号，用于控制该安全无密电子转 帐卡上的当前余额以及状态；当用户通过承载该移动电话号码的电话发送设定数 额的充值命令到电子转帐设备后， 所述电子转帐设备通过银联交易接口服务器， 把该银行卡帐户上相应数额的资金转帐到该安全无密电子转帐卡帐户，并通过短 消息通知到该移动电话上；当用户通过承载该移动电话号码的电话发送余额查询 或挂失等命令到电子转帐设备后，所述电子转帐设备把执行结果以短消息的方式 发送到该移动电话上； 该安全无密电子转帐卡， 能够在银行的 ATM上取款， 在 服务或商品提供商的 POS上进行转帐消费； 当用户在 POS机上使用安全无密电 子转帐卡进行支付时， 目的帐户不限， 不需要密码，但需要通过联网进行实时帐 户操作。
3.—种用于权利要求 2所述的安全无密电子转帐卡的开户方法，其特征在于 包括以下步骤： 首先在银联的交易网络上建设安全、无密电子转帐服务装置； 银 联的 POS机上增加 "安全无密电子转帐卡开户"的菜单以及相关程序； 移动电 话用户在银联的 POS机上， 选择 "安全无密电子转帐开户"业务后， POS机提 示用户刷银行卡，用户刷银行卡后， POS机提示用户输入密码，用户输入密码之 后， POS机提示用户输入其移动电话号码， 用户输入其移动电话号码之后， POS 机通过银联交易接口服务器发送该用户刷过的银行卡帐户余额査询命令到该用 户的银行卡所属的银行的帐户管理服务器；如果银行的帐户管理服务器返回给银 联交易接口服务器余额查询成功消息，则银联交易接口服务器发送移动电话号码 验证命令到所述安全、无密电子转帐服务装置， 该安全、无密电子转帐服务装置 发送查询该移动电话的状态命令到该移动电话号码用户所属的电信运营商的用 户资料服务器，电信运营商的用户资料服务器返回该移动电话号码用户的状态到 所述安全、 无密电子转帐服务装置； 如果该移动电话号码为正常用户， 该安全、 无密电子转帐服务装置在数据库中建立该用户的移动电话和该用户的银行卡的 对应关系，并发送验证移动电话的状态成功消息到银联交易接口服务器，银联交 易接口服务器返回给 POS机操作成功消息， POS机提示柜员给用户分配一张安 全无密电子转帐卡，并提示用户刷该安全无密电子转帐卡； 该用户用柜员分配的 安全无密电子转帐卡刷卡后， POS机发送余额查询査询命令到银联交易接口服务 器， 银联交易接口服务器发送该安全无密电子转帐卡的余额查询命令到所述安 全、无密电子转帐服务装置， 该安全、无密电子转帐服务装置在数据库中建立该 用户的移动电话号码和其安全无密电子转帐卡的对应关系后，通过电信运营商移 动通信网络， 发送开户成功内容的短消息给该移动电话用户， 同时， 通过银联交 易接口服务器返回余额査询成功消息到 POS机， POS机收到该消息后， 提示用 户幵户成功。
4.安全、 无密电子转帐服务装置的构建方法， 其特征在于， 在相关网络中进 行数据的设置与设备的建设和帐户控制方法，包括：建设安全无密电子转帐卡通 信设备、移动控制网关设备，并把具备条件的各结算公司的结算接口服务器以及 电子商务提供商的电子商务接口服务器通过数据网络连接到安全无密电子转帐 卡通信设备；所述的移动控制网关设备负责接收移动电话用户通过移动电话对安 全无密电子转帐卡帐户的操作指令，并把该类指令发送到安全无密电子转帐卡通 信设备，接收安全无密电子转帐卡通信设备发送过来的指令操作结果，并与移动 电话用户进行语音、 短消息和 /或数据方式的交互； 所述的帐户控制方法是指， 在用户通过移动电话发送指令后，所述安全、无密电子转帐服务装置才把其银行 帐户上的资金转帐到其安全无密电子转帐卡帐户上，或把其安全无密电子转帐卡 帐户上的资金转帐到其银行的帐户上，并且只允许移动电话发起的，并且在其数 据库中该移动电话号码对应的银行卡帐户和安全无密电子转帐卡帐户之间的转 帐；银行的帐户管理服务器只允许所述安全、无密电子转帐 S艮务装置从移动电话 号码用户的银行卡帐户中转出资金；当安全无密电子转帐卡用户通过移动电话发 送转帐控制命令到所述安全、无密电子转帐服务装置后， 该安全、无密电子转帐 服务装置提示用户确认之后， 才能够进行转帐操作， 转帐完成之后， 该移动电话 会接收到转帐成功的短消息提示。
5.通过如权利要求 2所述的安全无密电子转帐卡完成电子商务转帐的方法， 其特征在于包括以下步骤：用户通过电子商务提供商的电子商务服务界面进行支 付时，电子商务提供商的电子商务服务界面提示用户输入安全无密电子转帐卡卡 号，并生成验证码和转帐金额消息，经该电子商务提供商的电子商务接口服务器 发送到安全无密电子转帐卡通信设备，安全无密电子转帐卡通信设备检査该安全 无密电子转帐卡是否有足够的转帐资金，如果没有足够的转帐资金，安全无密电 子转帐卡通信设备把转帐不成功的提示信息发送给该电子商务提供商的电子商 务接口服务器，该电子商务接口服务器把返回的消息通过上述的电子商务服务界 面显示给该用户， 结束该电子商务转帐过程； 如果有足够的转帐资金， 安全无密 电子转帐卡通信设备形成临时密码短消息，并通过移动控制网关设备经短消息网 关或短信中心发送到该用户的移动电话上，同时发送提示用户输入临时密码的消 息到该电子商务提供商的电子商务接口服务器，该电子商务接口服务器通过上述 的电子商务服务界面提示用户输入临时密码，该用户输入其移动电话接收到的短 消息中的临时密码之后，电子商务提供商的接口服务器形成转帐内容的消息发送 到安全无密电子转帐卡通信设备，安全无密电子转帐卡通信设备对临时密码进行 验证，验证通过后，安全无密电子转帐卡通信设备把该安全无密电子转帐卡帐户 上的资金转帐到该电子商务提供商的银行帐号上，并把转帐操作结果回复给该电 子商务提供商的电子商务接口服务器，该电子商务接口服务器把返回的消息通过 上述的电子商务服务界面显示给该用户，并完成该电子商务的其他过程；所述的 临时密码是每次都不一样的， 具有随机性。
6.通过如权利要求 2所述的安全无密电子转帐卡完成结算转帐的方法，其特 征在于包括以下步骤：用户通过移动电话发送转帐命令到移动控制网关设备，移 动控制网关设备与用户进行交互，用户确认转帐金额和收帐的结算公司后，移动 控制网关设备发送结算转帐请求命令到安全无密电子转帐卡通信设备，安全无密 电子转帐卡通信设备根据用户约定，把其移动电话对应的银行卡或安全无密电子 转帐卡中的资金转帐到该结算公司的银行帐号上，并发送指示该结算公司的结算 接口服务器该用户支付的金额命令，并接收到该结算接口服务器返回的操作成功 消息后，安全无密电子转帐卡通信设备通过移动控制网关设备把转帐操作结果通 过短消息发送给该用户。
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CN1652130A (zh) * 2005-02-25 2005-08-10 侯万春 一种基于移动电话号码的智能钱包及其实现的装置和方法
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