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Safe network trading method

An online transaction and transaction technology, applied in the field of financial services, can solve the problems of limiting the scope of online transactions for customers, restricting the development of online transactions, and being difficult for customers to adopt, etc., to achieve the effect of wide transaction scope, easy promotion and development.

Inactive Publication Date: 2008-02-27
王忠杰
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Existing method: digital signature method, which generates a series of symbols and codes through certain cryptographic operations to form an electronic password to sign, instead of writing a signature or seal. When using an electronic signature, an online bank customer should have a third-party organization confirm its identity. Confirm and issue a digital certificate for the customer. When the customer conducts online transactions, the bank can use the certificate to confirm the authenticity and validity of the customer's identity. The advantage of this method is that it is safe and effective, but the cost is high. For infrequent network transactions Customer practicability is not strong, and it is not easy to be widely adopted by customers
[0003] Existing method: limit transaction method. In order to avoid the risk of online transactions, many banks have adopted a daily quota and limit transaction method for customers. Customers can only conduct transactions within the specified amount every day, otherwise they will be restricted. Although this This method reduces the amount of financial risk, but it restricts the development of online transactions, limits the scope of customer online transactions, and increases the cost of transactions. Therefore, this model is not scientific and is not desirable.

Method used

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  • Safe network trading method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0015] A secure network transaction method, which consists of: transaction preparation, transaction authorization and transaction implementation, the transaction preparation, transaction authorization and transaction implementation are presented in a relationship and have an effect on the overall result, and the transaction preparation: the process mainly completes Bind the customer's bank account with the customer's mobile phone number. The customer can go to the bank counter or through the Internet to bind the customer's bank account and the customer's mobile phone number. At the same time, the customer must reserve an identity verification password to confirm the sender of the mobile phone message In order to simplify operations, prevent mistakes, and reduce management costs, it is best for a mobile phone to correspond to a bank account in a bank;

[0016] The above-mentioned transaction authorization: This process is mainly to allow customers to independently complete the r...

Embodiment 2

[0020] The safe network transaction method described in embodiment 1, Fig. 2 is the connection schematic diagram of each relevant system platform of the present invention, A is the bank's existing comprehensive business system, only completes the maximum amount of network transaction to the account and carries out registration, monitoring and restriction B is the existing network trading platform of the bank, which does not change in the present invention; C is then a short message service platform made up of a server, software for managing customer data, local area network interface and wireless connection / transmitting module, and it has completed Two functions, one is to complete the binding of the customer account with the customer's mobile phone number, and the other is to complete the functions of receiving customer information, transmitting information and sending information. A is connected to B and C through the bank's internal LAN, and one end of B is also connected to...

Embodiment 3

[0022] For the secure network transaction method described in Embodiment 1, FIG. 1 is an operation flow chart of the present invention, marking the execution flow of the present invention.

[0023] Transaction preparation: the customer goes to the bank counter or binds the mobile phone number H and the online transaction account G on the SMS service platform C through the Internet. At the same time, in order to ensure the security of the transaction, the customer needs to provide a 6-8 E is also reserved in the short message service platform C, and the customer's mobile phone number H, online transaction account G and mobile phone identity verification password E form an interrelated data information chain.

[0024] Transaction authorization: before conducting online transactions, the customer first sends the authorization amount D and E1 to C through the mobile phone. E1 is the identity verification password during the transaction. C first completes the ratio of E and E1 accor...

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Abstract

A safe network trade method, the traditional method's practicability is not good, the range of client's network trade is limit, trade cost is high. Safe network trade method, it includes: trade prepare, trade accredit and trade implement, they tapers and acts to the whole result, trade prepare binds the client's bank account and the mobile phone number, the client obligate his status identification code to validate his status, one mobile phone number is correspond to one bank account; trade accredit accredits the trade degree of the client's bank account, sends accredit information by mobile phone, sends the accredit amount and the status identification code to the bank's note sever flat. The business system of the bank monitors and limits the said bank account's network trade amount; trade implement is doing network trade in the network trade flat.

Description

technical field [0001] The invention relates to the field of financial services, and specifically proposes a safe network transaction method for bank online transactions. Background technique [0002] Existing method: digital signature method, which generates a series of symbols and codes through certain cryptographic operations to form an electronic password to sign, instead of writing a signature or seal. When using an electronic signature, an online bank customer should have a third-party organization confirm its identity. Confirm and issue a digital certificate for the customer. When the customer conducts online transactions, the bank can use the certificate to confirm the authenticity and validity of the customer's identity. The advantage of this method is that it is safe and effective, but the cost is high. For infrequent network transactions Customer practicability is not strong, and it is not easy to be widely adopted by customers. [0003] Existing method: limit tr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00G06Q30/06
Inventor 王忠杰
Owner 王忠杰
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