公开(公告)号：US20120310839A1

公开(公告)日：2012-12-06

申请号：US13577440

申请日：2010-05-12

申请人： Pengfei Chen ,  Mingwei Yang ,  Jia Yi

发明人： Pengfei Chen ,  Mingwei Yang ,  Jia Yi

IPC分类号： G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/3223 ,  H04W12/0013 ,  H04W12/06

摘要： The disclosure discloses a method for implementing account transfer using a mobile terminal, which includes: an uplink processing module receives a transfer-out transaction request from a transferor and a transfer-in transaction request from a transferee or an agent; an encryption and decryption module performs format verification and decryption of the transfer-out transaction request and transfer-in transaction request, randomly generates a withdrawal password according to the transfer-out transaction request, and provides the withdrawal password to a transaction processing module and a transferee; the transaction processing module authenticates a user accessing to the mobile terminal wallet transaction, performs the transfer-out operation according to the transfer-out transaction request, and performs the transfer-in operation according to the transfer-in transaction request and the withdrawal password provided by the encryption and decryption module; and a downlink processing module returns a response message to the mobile terminal of the transferor, transferee or agent after the transaction processing is completed. The disclosure also discloses a service platform for a mobile terminal wallet transaction. By adopting the disclosure, the inconvenience caused by the fact that the current transfer way using the mobile terminal must be supported by the bank outlet is overcome.

摘要翻译： 本公开公开了一种使用移动终端实现帐户转移的方法，其包括：上行链路处理模块从转让方接收转出交易请求，并从转让方或代理接收转移交易请求; 加密和解密模块执行转出交易请求和转入交易请求的格式验证和解密，根据转出交易请求随机生成提款密码，并将提取密码提供给交易处理模块和 受让人 交易处理模块认证访问移动终端钱包交易的用户，根据转出交易请求执行转出操作，并根据所提供的转账交易请求和提取密码进行转入操作 通过加密和解密模块; 并且下行链路处理模块在完成事务处理之后向转移器，受让者或代理的移动终端返回响应消息。 本公开还公开了一种用于移动终端钱包交易的服务平台。 通过采用本公开，克服了使用移动终端的当前传送方式必须由银行出口支持的事实造成的不便。