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CN1983336B - System for realizing transaction service by cell-phone - Google Patents

System for realizing transaction service by cell-phone Download PDF

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Publication number
CN1983336B
CN1983336B CN2005100200653A CN200510020065A CN1983336B CN 1983336 B CN1983336 B CN 1983336B CN 2005100200653 A CN2005100200653 A CN 2005100200653A CN 200510020065 A CN200510020065 A CN 200510020065A CN 1983336 B CN1983336 B CN 1983336B
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China
Prior art keywords
mobile phone
built
fingerprint recognition
center
account
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Expired - Fee Related
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CN2005100200653A
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Chinese (zh)
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CN1983336A (en
Inventor
白燕川
毛成志
刘辉芬
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SICHUAN XINLONGMENZHEN CULTURE TRANSMISSION CO Ltd
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SICHUAN XINLONGMENZHEN CULTURE TRANSMISSION CO Ltd
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Priority to CN2005100200653A priority Critical patent/CN1983336B/en
Publication of CN1983336A publication Critical patent/CN1983336A/en
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Abstract

A system of utilizing mobile phone to realize transaction service is prepared as connecting service processing center to evidence transfer center through protocol and to service accepting station enabling to identify built-in intelligent card of mobile phone through CAP protocol as well as to mobile communication network through SMPP protocol, providing transfer protocol interface by said transfer center and connecting said interface to bank service end, carrying out communication with and identification on said mobile phone by service accepting station through said network and IFD interface circuit.

Description

A kind of system that realizes transactional services by mobile phone
Technical field
The present invention relates to mobile phone transactional services field, more specifically relate to a kind of system, be applicable in industries such as finance, communication, commerce, transportation, services by mobile phone realization transactional services.
Technical background
Mobile communication produces deep effect over against present life, and mobile phone can be realized wireless communication, the transmitting-receiving of short message picture mail, has opened a brand-new communication mode.Data show that the cellphone subscriber of China reaches 400,000,000 at present.Simultaneously, modern society's financial product is more and more abundanter, and people are accustomed to gradually by bank finance product treatment finance problem, gladly uses that bank card is managed money matters, transferred accounts, consumption and payment substitutes cash circulation, a tree name statistics, and all banks card total amount surpasses 700,000,000 at present.
Present main two kinds of systems that flow by mobile communication network realization fund: a kind of is that the mobile phone telephone expenses that prestore withhold system, and a kind of is that account on the cell-phone number binding internet is in order to the internet on-line transaction payment system.
The mobile phone telephone expenses system that withholds that prestores accepts both parties' trust by mobile operator, accept and examine both parties' request after the mobile phone of transferring prestore telephone expenses to the opposing party.This form since in the mobile phone telephone expenses amount of money that prestores less, thereby the product category of transaction, be limited in scope.Simultaneously this also needs both parties to reach entrustment agreement in advance and to make things convenient for the three parts to settle accounts with mobile operator, and in fact most businessmans may be at have an account with the bank but get in touch very few with mobile operator.This form is many to be adopted by communication, information industry, and traditional industries lack promotes power.
Account system on the cell-phone number binding internet, form by bank, internet, mobile operation system, online store, its degree of safety and the amount of money are all satisfactory, but only exist only in the network virtual world, do not meet the traditional habits and customs of people, whether just determine purchase-transaction after hand took the careful discrimination ratio of commodity in people were ready slowly at the supermarket more.What we needed is scientific and technological hommization, rather than changes the human science and technology that adapts to.
Prior mobile network banking network shortcoming is as follows:
1, the mobile phone telephone expenses that prestore withhold system, and dealing money is little, usable range is narrow;
2, the account system on the cell-phone number binding internet only limits to the living space that the internet network can not be scalable.
3, the mobile phone account system that telephone expenses withhold on system and the cell-phone number binding internet that prestores all can't realize conventional transaction business such as cash-access.
4, behind the existing mobile phone payment, mobile phone can not play all-round evidence function in service.
Summary of the invention
The objective of the invention is to be to provide a kind of system that realizes transactional services by mobile phone, use the user of native system can finish widely transactional services as ordering air ticket, retail purchases, cash-access, the transaction of card volume, paying the expenses of taxation etc., use the user of native system under multiple environment, to obtain transactional services, as in the retail market, on the vehicles that travel, on the internet, in the agency of bank etc., use the user of native system to take the vehicles, to ask for bill etc. as the paying voucher with built-in intelligence card fingerprint recognition mobile phone.
In order to realize above-mentioned task, the present invention adopts following technical measures:
A kind of system that realizes transactional services by mobile phone, it is characterized in that this system comprises, built-in intelligence card fingerprint recognition mobile phone (MIFP), the service handling point (IFDSSP) that can discern the embedded in mobile phone smart card, business processing center (SCC), voucher transfer accounts center (VC), bank service end, mobile communication network (MCN).The described service handling point (IFDSSP) that can discern the embedded in mobile phone smart card links to each other with built-in intelligence card fingerprint recognition mobile phone (MIFP) by the IFD interface circuit and communicates; Described business processing center (SCC) and the voucher center (VC) of transferring accounts is connected by the CS2-INAP agreement, link to each other by CAMEL Application Part with the service handling point (IFDSSP) that can discern the embedded in mobile phone smart card, (MCN) links to each other by the SMPP agreement with mobile communication network; The described voucher center (VC) of transferring accounts provides the protocol interface of transferring accounts, and links to each other with the bank service end; Described mobile communication network (MCN) can be realized communicating by letter with built-in intelligence card fingerprint recognition mobile phone (MIFP);
Described built-in intelligence card fingerprint recognition mobile phone (MIFP), bank account in its cell-phone number and the smart card binding bank service end, to the service handling point (IFDSSP) that can discern the embedded in mobile phone smart card show the account identity, (MCN) information sent of accepting mobile communication network and return information allow for mobile communication network (MCN), identification cellie's fingerprint or forbid mobile phone operation, built-in intelligence card fingerprint recognition mobile phone (MIFP) can make the user enjoy the service or the commodity of charges paid or asks for corresponding bill as the transaction voucher in addition;
The described service handling point (IFDSSP) that can discern the embedded in mobile phone smart card, discerning built-in intelligence card fingerprint recognition mobile phone (MIFP) account identity and accepting the user provides account password and sends account identification authentication authentication request and transaction business request to business processing center (SCC), authentication of account identification authentication and transaction business process information that the processing enter of accepting business (SCC) is sent;
Described business processing center (SCC) is finished the processing of account identification authentication authentication logic, account trading business logic processing, updated account information;
Described voucher transfer accounts that center (VC) is mainly realized and bank between the interface of transferring accounts, bank transfer request that the processing enter of accepting business (SCC) sends and bank main carry out finishing the function of transferring accounts in the bank alternately;
Described bank service end is realized the binding of built-in intelligence card fingerprint recognition mobile phone (MIFP) subscriber phone number, smart card and bank account, accepts user's transfer request, transfers accounts with voucher that (VC) is interconnected at the center, realizes finishing the transaction business function.
Described mobile communication network (MCN) is finished the function of transmitting built-in intelligence card fingerprint recognition mobile phone (MIFP) and business processing center (SCC) information.
The present invention has following technique effect:
1, convenient
Hold the user of built-in intelligence card fingerprint recognition mobile phone (MIFP), need not carry mobile phone and bank card respectively, reduce the scattered trouble of belongings of going out, realize payment, the function of transferring accounts at the service handling point (IFDSSP) that can discern the embedded in mobile phone smart card.
2, applied widely
The service handling point (IFDSSP) that can discern the embedded in mobile phone smart card of native system can be arranged at buys field, bank counter, card volume exchange, airport, station, hospital, school etc., is distributed widely in the place of human lives's work.
3, function is strong
After the user by native system was service or commodity or professional the paying, the built-in intelligence card fingerprint recognition mobile phone (MIFP) of native system can be as the voucher of the voucher of enjoying service or commodity or business and payment payment receipt invoice.
4, security of system is reliable
Built-in intelligence card fingerprint recognition mobile phone (MIFP) is confirmed mobile phone machine master by fingerprint recognition, prevents that mobile phone from being usurped by others, and the identity authentication of simultaneity factor business processing center (SCC) also provides safety guarantee for transaction.
Description of drawings
Fig. 1 is a kind of system architecture synoptic diagram of realizing transactional services by mobile phone.
Fig. 2 is the control function process flow diagram of system of the present invention.
Fig. 3 is a kind of system works flow process block diagram of realizing transactional services by mobile phone.
Embodiment
Below in conjunction with accompanying drawing the present invention is described in further detail:
As shown in Figure 1, it is the general structure that realizes transaction service system by mobile phone, comprise built-in intelligence card fingerprint recognition mobile phone (MIFP) 1, the service handling point (IFDSSP) 2 that can discern the embedded in mobile phone smart card, business processing center (SCC) 3, voucher transfer accounts center (VC) 4, bank service end 5, mobile communication network (MCN) 6.
Described built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 (Mobile Intelligent FingerprintPhone) is the identity information portable terminal that the user holds.Built-in intelligence card fingerprint recognition mobile phone (MIFP) 1, bank account in its cell-phone number and the smart card binding bank service end, the IFD interface circuit of the service handling point (IFDSSP) 2 by identification embedded in mobile phone smart card shows the account identity to the service handling point (IFDSSP) 2 that can discern the embedded in mobile phone smart card.Built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 is given mobile communication network (MCN) 6 by mobile communication network (MCN) 6 reception information and return information.The fingerprint that built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 can be discerned the cellie allows or forbids mobile phone operation, and built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 can make the user obtain the service or the commodity of charges paid and asks for corresponding bill as the transaction voucher in addition.Built-in intelligence card fingerprint recognition mobile phone MIFP technology derives from the U526 communication terminal of Huawei Tech Co., Ltd's production, the embedded fingerprint module that Ya Lvete bio-identification Science and Technology Ltd. produces, the PHILIPS Mifare 1 non-contact radio-frequency card that the Minghua Aohan Science ﹠ Technology Co., Ltd., Shenzhen City produces etc.
The described service handling point (IFDSSP) 2 (Inter Face DeviceService Switching Point) that can discern the embedded in mobile phone smart card is professional starting point that takes place and identification user's a port, realization is read built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 identity function and accepted the user provides account password, and concrete service request function is sent in request according to customer transaction.Can discern the service handling point (IFDSSP) 2 of embedded in mobile phone smart card, read built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 identity, link to each other with business processing center (SCC) 3 by CAMEL Application Part by the IFD interface circuit.Discern built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 account identity and send account identification authentication authentication request and transaction business request, authentication of account identification authentication and transaction business process information that the processing enter of accepting business (SCC) 3 is sent to business processing center (SCC) 3.Rugged ZQ-6000 provides in the RF-35LT frequency read/write that service handling point (IFDSSP) 2 that can discern the embedded in mobile phone smart card produced by the Minghua Aohan Science ﹠ Technology Co., Ltd., Shenzhen City, Guangzhou Zonerich Computer Equipment Co., Ltd.;
Described business processing center (SCC) 3 (Service Control Center) is the core component of system, it provides the data function of stored user, and the request energy of accepting business is examined the user identity function, the process user request function upgrades the subscriber data data function at any time.Transfer accounts center (VC) 4 of business processing center (SCC) 3 and voucher is connected by the CS2-INAP agreement, link to each other by CAMEL Application Part with the service handling point (IFDSSP) 2 that can discern the embedded in mobile phone smart card, link to each other by the SMPP agreement with mobile communication network (MCN) 6, the data function of stored user is provided, the request of accepting business can, examine the user identity function, the process user request function upgrades the subscriber data data function at any time.Finish the processing of account identification authentication authentication logic, account trading business logic processing.Business processing center (SCC) 3 technology derive from the SCP equipment of Huawei Tech Co., Ltd;
Described mobile communication network (MCN) 6 (Mobile Communication Net) is realized the information between acceptance and forwarding business processing center (SCC) 3 and the built-in intelligence card fingerprint recognition mobile phone (MIFP) 1.Mobile communication network (MCN) 6 links to each other with business processing center (SCC) 3 by the SMPP agreement, is implemented in transmission information between built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 and the business processing center (SCC) 3.Mobile communication network (MCN) 6 technology derive from the all-round HSDPA 3G of the system scheme that Huawei Tech Co., Ltd produces.
The described voucher center (VC) 4 (Voucher Center) of transferring accounts is a interface component between business processing center (SCC) the 3 banks ends, and the interface of transferring accounts is provided.Transfer accounts center (VC) 4 of voucher links to each other with business processing center (SCC) 3 by the CS2-INAP agreement, interface links to each other with bank service end 5 by transferring accounts, bank transfer request that the processing enter of accepting business (SCC) 3 sends and bank main carry out finishing the function of transferring accounts in the bank alternately.The voucher finance of center (VC) the 4 technology source IBM processing scheme of transferring accounts of transferring accounts.
Described bank service end 5 is realized the binding of built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 subscriber phone number, smart card and bank account, transferring accounts by the interface voucher of transferring accounts, (VC) 4 is interconnected at the center, accept service request from user, realize finishing the function of transferring accounts of concluding the business.
The CAP that is adopted in the system (Camel Application Part) agreement, CS2-INAP (CapabilitySet 2-Intellegent Network Application Part) agreement, SMPP (Short Message Peer toPeer) agreement are extensively approval and use in the present communication network.
As shown in Figure 2, be the control function process flow diagram of system of the present invention, can see among the figure that system has carried out control on safety and the function to user's account, distinguish and meet or the processing of wrong situation, with the safety of account in the protection system.
Fingerprint differentiates 7, the user holds needs to carry out the fingerprint recognition evaluation before mobile phone need be concluded the business, this is identified on the mobile phone and carries out, and mobile phone allows to carry out next step and operates 8 password identification after the fingerprint matching that provides is provided, mobile phone is then refused business operation 11 after differentiating the fingerprint failure.
Password identification 8, the user inputs password, this identification can be carried out carrying out on mobile phone in the time of also can or serving with the mobile portable phone order goods on service handling point, be passed to business processing center and differentiate in name a person for a particular job information that need to handle of service handling, identification result is mended operational account trading range audit 9 by then carrying out next, and identification result is the negative business operation 11 of then refusing.
Account transaction scope audit 9, can carry out transactional services by business processing center according to account information and the judgement of transaction request signal auditing, audit is by then carrying out transaction request and write down transaction details, New Account 10 more, and auditing result is for negating then to refuse business operation 11.
System guarantees to use the legal owner of artificial mobile phone of mobile phone, guarantees the safety of serving, the running safety of safeguards system operation each side.
As shown in Figure 3, be a service process of the present invention, specifically comprise:
A. built-in intelligence card fingerprint recognition mobile phone (MIFP) 1 shows account identity and authentication request and password to service handling point (IFDSSP) 2.
B. service handling point (IFDSSP) 2 sends account authentication request and service request to business processing center (SCC) 3.
C. business processing center (SCC) 3 handles the account authentication request according to accounts information, sends authentication conclusion information to service handling point (IFDSSP) 2.
D. business processing center (SCC) 3 handles account authentication request and service request according to accounts information, sends transfer request to the voucher center (VC) 4 of transferring accounts.
E. voucher center (VC) 4 that transfer accounts sends the instruction of transferring accounts according to the transfer request of business processing center (SCC) 3 to bank's end.
F. bank transfers accounts after the instruction of transferring accounts at center (VC) 4 finishing the operation of transferring accounts according to voucher, replys and finishes message to transfer accounts center (VC) 4 of voucher.
G. voucher center (VC) 4 that transfer accounts finishes message according to transferring accounts of being sent of bank end, sends answer message to business processing center (SCC) 3.
H. business processing center (SCC) 3 sends transaction to service handling point (IFDSSP) 2 and finishes information according to the transfer accounts answer information updating accounts information at center (VC) 4 of voucher.
I. business processing center (SCC) 3 sends transaction to mobile communication network (MCN) 6 and finishes information according to the transfer accounts answer message at center (VC) 4 of voucher.
J. mobile communication network (MCN) 6 finishes managing detailed catalogue according to the transaction of business processing center (SCC) 3, sends transaction details information to built-in intelligent card fingerprint identification mobile phone (MIFP) 1.

Claims (1)

1. system that realizes transactional services by mobile phone, it is made of transfer accounts center (4), bank service end (5), mobile communication network (6) of built-in intelligence card fingerprint recognition mobile phone (1), service handling point (2), business processing center (3), voucher, it is characterized in that: business processing center (3) and the voucher center (4) of transferring accounts is connected by the CS2-INAP agreement and links to each other by CAMEL Application Part with service handling point (2), link to each other by the SMPP agreement with mobile communication network (6), the voucher center (4) of transferring accounts provides the protocol interface of transferring accounts, and links to each other with bank service end (5); Service handling point (2) communicates by IFD interface circuit and built-in intelligence card fingerprint recognition mobile phone (1);
Bank account in the cell-phone number of built-in intelligence card fingerprint recognition mobile phone (1) and the smart card binding bank service end (5), to the service handling point (2) that can discern the embedded in mobile phone smart card show the account identity, (6) information sent of accepting mobile communication network and return information allow for mobile communication network (6), identification cellie's fingerprint or forbid mobile phone operation, built-in intelligence card fingerprint recognition mobile phone (1) can make the user enjoy the service or the commodity of charges paid or asks for corresponding bill as the transaction voucher;
Service handling point (2) reads built-in intelligence card fingerprint recognition mobile phone (1) identity by the IFD interface circuit, link to each other with business processing center (3) by CAMEL Application Part, discerning built-in intelligence card fingerprint recognition mobile phone account identity and accepting the user provides account password and sends account identification authentication authentication request and transaction business request to business processing center (3), authentication of account identification authentication and transaction business process information that the processing enter of accepting business (3) is sent;
Bank service end (5) is realized the binding of built-in intelligence card fingerprint recognition mobile phone (1) subscriber phone number, smart card and bank account, accepts user's transfer request, and is interconnected with the voucher center (4) of transferring accounts;
Mobile communication network (6) links to each other with business processing center (3) by the SMPP agreement, is transmitting transmission information between built-in intelligence card fingerprint recognition mobile phone (1) and the business processing center (3).
CN2005100200653A 2005-12-16 2005-12-16 System for realizing transaction service by cell-phone Expired - Fee Related CN1983336B (en)

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US10331866B2 (en) 2013-09-06 2019-06-25 Apple Inc. User verification for changing a setting of an electronic device
US20150073998A1 (en) 2013-09-09 2015-03-12 Apple Inc. Use of a Biometric Image in Online Commerce
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US9651513B2 (en) 2012-10-14 2017-05-16 Synaptics Incorporated Fingerprint sensor and button combinations and methods of making same
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