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发明授权
CN101523449B 传送码加自定算式等于银行密码的加密传送方法和系统 失效 - 权利终止

  • 专利标题： 传送码加自定算式等于银行密码的加密传送方法和系统
  • 专利标题（英）： Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password
  • 申请号： CN200680055945.7
    申请日： 2006-09-27
  • 公开(公告)号： CN101523449B
    公开(公告)日： 2011-04-13
  • 发明人: 黄金富
  • 申请人： 黄金富
  • 申请人地址： 中国香港
  • 专利权人： 黄金富
  • 当前专利权人： 黄金富
  • 当前专利权人地址： 中国香港
  • 代理机构： 中国专利代理(香港)有限公司
  • 代理商 王忠忠
  • 国际申请： PCT/CN2006/002538 2006.09.27
  • 国际公布： WO2008/037116 ZH 2008.04.03
  • 进入国家日期： 2009-03-26
  • 主分类号： G07F19/00
  • IPC分类号： G07F19/00
传送码加自定算式等于银行密码的加密传送方法和系统
摘要：
一种用户利用银钱卡通过电信手段进行安全支付的方法和系统，其特征是，采用了自定算式加密银行密码的传送方法和系统，用户采用可随时变更的自定算式加密银行密码生成传送码，并用其手机(3)传至DNA系统(1)，并由DNA系统(1)解出银行密码，再将解出的银行密码传输给银行电脑中心(2)，以便完成银钱卡(4)在POS机(5)上刷卡消费付款，和/或通过购物网站(7)利用上网装置(6)在网上购物付款，由于自定算式由用户自行确定且可随时修改，因而所生成的传送码十分可靠，即使被窃也不会被利用，用户不会招致损失，结合本发明人的DNA系统预先将用户账户开锁功能，及设定每次支付上限金额，会使各种支付绝对安全。
摘要（英）：

A method and system for user securely payment using the bank card by telecommunicating manner, includes: transferring method and system for encrypting the bank password using the user-defined arithmetA method and system for user securely payment using the bank card by telecommunicating manner, includes: transferring method and system for encrypting the bank password using the user-defined arithmetic, the user can change the encrypted bank password of the user-defined arithmetic to create the transferring code at any time, and send it to DNA system (1) using his handset (3), and DNA system (1)ic, the user can change the encrypted bank password of the user-defined arithmetic to create the transferring code at any time, and send it to DNA system (1) using his handset (3), and DNA system (1)decrypts the bank password, then transfers the decrypted bank password to the bank computer center (2), in order to implement the bank card (4) payment on the POS machine (5), and/or Internet shoppingdecrypts the bank password, then transfers the decrypted bank password to the bank computer center (2), in order to implement the bank card (4) payment on the POS machine (5), and/or Internet shopping payment using the networking device (6) through the shopping sites (7), since the user-defined arithmetic is determined by user-self and modified at any time, therefore the created transferring codepayment using the networking device (6) through the shopping sites (7), since the user-defined arithmetic is determined by user-self and modified at any time, therefore the created transferring codeis very reliable, it would not be used even if pilfered, the user may not beget the loss, DNA system of the present invention unlocks the user bank account in advance, and sets the payment upper limitis very reliable, it would not be used even if pilfered, the user may not beget the loss, DNA system of the present invention unlocks the user bank account in advance, and sets the payment upper limit every time, so as to insure the security for various payment.every time, so as to insure the security for various payment.

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