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Implementation method and implementation system for transfer transaction

A realization method and technology for realizing the system, applied in the payment system, payment system structure, instrument and other directions, can solve problems such as inconvenience, and achieve the effect of avoiding economic loss and capital loss

Inactive Publication Date: 2014-05-07
SHANGHAI RURAL COMML BANK
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0003] In summary, there are obviously inconveniences and defects in the actual use of the existing technology, so it is necessary to improve

Method used

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  • Implementation method and implementation system for transfer transaction
  • Implementation method and implementation system for transfer transaction
  • Implementation method and implementation system for transfer transaction

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Embodiment Construction

[0064]In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0065] figure 1 It is a structural schematic diagram of a system for realizing a preferred transfer transaction in the present invention. The system 100 for realizing a transfer transaction includes a transaction device 10, a verification terminal 20 and a transaction server 30 connected by mutual communication. The transaction device 10 can be a computer, an ATM ( Automatic Teller Machine, automatic teller machine) terminal or communication terminal etc.; Described verification terminal 20 can be communication terminal etc.; Described communication terminal can be mobile phone, PDA (Personal Digita...

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Abstract

The invention belongs to the technical field of network payment and provides an implementation method for transfer transaction. The method includes the first step that a transaction device receives transfer transaction data submitted by a user and submits the transfer transaction data to a transaction server; the second step that the transaction device receives and displays verification information sent by the transaction server; the third step that a verification terminal sends verification response information to the transaction server according to the verification information; the fourth step that the transaction server verifies communication numbers and the verification response information of the verification terminal; if the communication numbers and the verification response information pass the verification, the transaction server carries out transfer transaction according to the transfer transaction data. Correspondingly, the invention further provides an implementation system for the transfer transaction. Thus, according to the implementation method and the implementation system for the transfer transaction, the number of channels for submitting the transfer transaction data becomes two, and namely a double-channel and double-factor safety certification transaction mode is truly realized through the network channel of the transaction device and the information channel of the verification terminal.

Description

technical field [0001] The invention relates to the technical field of online payment, in particular to a method and system for realizing transfer transactions. Background technique [0002] In the existing online payment process, the user enters the transfer transaction information through the computer and submits it, and enters the confirmation interface. At the same time, the verification code is sent to the communication terminal such as the user's mobile phone. The user enters the verification code and payment received on the communication terminal in the confirmation interface. The transaction password of the account can be transferred after submission. At the same time, if the user freezes the online banking or account, he needs to go to the counter branch or call the customer service to handle it. In this verification method, the data submitted by the user is completed through a computer, that is, the data is submitted through a single channel. If the user's computer...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/401G06Q20/42
Inventor 尚阳夏海林刘阳姚远刚杜霏
Owner SHANGHAI RURAL COMML BANK
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