Method, server and system for realizing check security verification by mobilephone banking
A technology of mobile banking and security verification, which is applied in the payment system, transmission system, payment system structure, etc. It can solve problems such as easy leakage, limited application range of check cashing passwords, and security attacks, so as to ensure smooth flow and improve security and convenience, and the effect of ensuring the security of account entry
Active Publication Date: 2013-12-11
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology
[0008] The embodiment of the present invention provides a method, server and system for implementing check security verification through mobile banking, so as to overcome the current problems of limited application range and vulnerability to security attacks or leaks in obtaining check cashing passwords
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[0022] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0023] figure 1 It is a method flow chart of an embodiment of the present invention for implementing check security verification through mobile banking. As shown in the figure, the method for implementing check security verification through mobile banking in the embodiment of the present invention includes;
[0024] Step S101, receiving the bill issuing information sent by the drawer's mobile communication terminal; Step S102, generating a check cashing passw...
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The invention discloses a method, server and system for realizing check security verification by mobilephone banking. The method comprises the following steps: receiving check drawing information sent by a drawer mobile communication terminal; generating a check cashing password according to the check drawing information; sending the check cashing password to the drawer mobile communication terminal; receiving check receiving information sent by a taker mobile communication terminal; generating a check verification password according to the check receiving information; carrying out paired verification on the check verification password and the check cashing password; and blocking and reserving the check capital if the passwords pass the paired verification. The method, the server and the system for realizing check security verification by mobilephone banking provided by the embodiment of the invention have the advantages that the check cashing password can be conveniently obtained, the authenticity of the check can be verified in time, and enough cash can be guaranteed after the check is collected, thus guaranteeing a safe and unimpeded check payment flow, improving the security and the conveniences of the drawer for obtaining the check cashing password, and guaranteeing that the capital can safely enters the account book after the taker receives the check.
Description
technical field [0001] The invention relates to check processing technology in the banking field, in particular to a method, server and system for realizing check security verification through mobile banking. Background technique [0002] At present, the bank's credit system is not perfect, and the level of authenticity identification of checks is insufficient, which restricts the development of checks as a common means of payment. The payee often refuses to accept the check because he is worried about receiving a false check or a bad check; and the payer is worried that the check will be used fraudulently after being lost or stolen, so there are not many individuals and merchants who are willing to accept check payment. Reluctance to open check business. Therefore, in consideration of the safety of the current check use environment, in addition to signing and stamping the check, it is also necessary to write the cashing password corresponding to the check, which will play ...
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IPC IPC(8): G06Q20/32G06Q20/38H04L29/06
Inventor 邹大卫张晓慧王竑段旭光
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA