TW200929033A - Method of security token in public communications network - Google Patents

Method of security token in public communications network Download PDF

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Publication number
TW200929033A
TW200929033A TW96151528A TW96151528A TW200929033A TW 200929033 A TW200929033 A TW 200929033A TW 96151528 A TW96151528 A TW 96151528A TW 96151528 A TW96151528 A TW 96151528A TW 200929033 A TW200929033 A TW 200929033A
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Taiwan
Prior art keywords
platform
consumer
monitoring center
remote payment
ringing
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TW96151528A
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Chinese (zh)
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TWI347560B (en
Inventor
Wen-Fu Huang
Hsin-Yi Huang
Yu-Ting Huang
Yu-Ting Liao
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Wen-Fu Huang
Hsin-Yi Huang
Yu-Ting Huang
Yu-Ting Liao
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Priority to TW096151528A priority Critical patent/TWI347560B/en
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Abstract

Disclosed herein is a security certificate authorization method using a hand-held device in a public communication network. A unique mobile phone number and bell sound quantity or the ring times are used in a public communication network to certify and authorize the mutual interactive relations between a remote payment platform, a monitoring center platform, a master control unit and the consumer in a mobile payment system. The consumer uses a master unit of hand-held device and so on, and utilizes an incoming call number, bell sound quantity, ring times, change of state to integrate with techniques of flow interaction of public communication network or local call subscriber's loop for applications in security measures of mutual authentication, checking and certification. As a result, the present invention enables a consumer having a hand-held device to be integrated with the payment platform to carry out identification forgery-proof authentication so as to prevent fraud behaviors.

Description

❹ Ο 200929033 九、發明說明: 【發明所屬之技術領域】 本發明是有關於一種使用通信網路,特別是指涵蓋所有公共 通信網路,做安全憑證授權的方法。 【先前技術】 公共通信網路,例如陸上行動電話網路(PLMNPublicUnd M〇bile Network)或公共電話網路(PSTN Public Switched Telephone ΓΓϋ可絲有—健綱關措施’用來__及狀態切換 方ί明第I24993G號使用公共通信網路作控制關及狀態切 本創作侧於遠端支付系統中,-鋪由唯—行動電話號碼之 來1顯示暨鈴音數量或振鈴時·做做綺互_證授權來安全使 用退端支付平卜主要制#者好認證鱗欺行為獅成為企業 成長的策略方向’又於冑恥共通侧路制帳號或刷卡憑證 憑證或晶片式憑證加上身分證字號與㈣,已無法有效達 二點s =欺’釣魚帳號,讓消費者與商家、銀行等受到重大損失 :流程等手一機的行動電話之號碼、行動通訊網路及安 可紐2正料質祕身份認證的系統,進輯成本創作 證、’防全雛機制。具有行動支付消f者身分防偽認 擔通信昨力====物'料者編 200929033 【發明内容】 -本發明之主要目的,是在提供一種經由公共通信網路傳送一 個來話顯示功能暨鈴音數量或振鈴時間數訊息,讓消費者身分與主 ,裝置與遠端支付平台及監控巾斜台四者_目互防偽認證二安 機制方法。 /於疋,一種利用公共通信網路之預防認證安全機制方法。 ❹ ❹ ^系適用於公魏信網路之該魅電話終端機、行動終端機 電話數據機用戶迴路中,該方法包含下列步驟: ’ (A):遠端支付平台誠構—通餅端機,並將該職終端機安裝於 公共通信網路之行動通信網路或市内電話用戶迴路中;、、 ⑼.監控中心平台内建構—通信終端機,並將該通信終端機安裝於 公共通信網路之行純信網路或耗f 戶迴财該臣卞 二料庫,其中包含消f者認證資料有參考密 戶涊證資料庫; 者行動支付"具包含有紐電話_、行動 電話社器’該行動電話通信器包含行動電話、智慧型手機 祕S—人餘咧,喊行動通信 ⑼路主咖嫩辦_編晴椒—鱗通猶 (Ε) 依射、、財麵魏範自動靖振1 振鈴㈣嶋輪贿峨赌時間數切斷 ⑻:遠端支付平台可鎌魏在行動終賴或市㈣翔戶迴路内 200929033 控中:平台在公共通信網路間建立-個網 次止業、謂路路禮,並將主控裝置之用戶資料、❹ Ο 200929033 IX. INSTRUCTIONS: TECHNICAL FIELD OF THE INVENTION The present invention relates to a method of using a communication network, and in particular to covering all public communication networks for authorization of security credentials. [Prior Art] A public communication network, such as a land-based mobile telephone network (PLMNPublic Und M〇bile Network) or a public telephone network (PSTN Public Switched Telephone) is used for __ and state switching parties. ί明 I24993G uses the public communication network for control and status creation in the remote payment system, and the shop is displayed by the only mobile phone number 1 and the number of ring tones or ringing. The license is authorized to safely use the withdrawal of the payment. The main system is the certification. The lion has become the strategic direction of the company's growth. (4), can no longer effectively reach two points s = bullying 'fishing account, so that consumers and businesses, banks and other major losses: the flow of the mobile phone number, mobile communication network and Encore 2 The system of certification, the cost creation certificate, the 'anti-fighting mechanism. The person who has the action payment eliminates the identity of the anti-counterfeiting communication. Yesterday force====物的料者编200929033 [Invention content] -本The main purpose of Ming is to provide a message through the public communication network to transmit an incoming call function and the number of ring tones or ringing time, so that the consumer identity and the main, device and remote payment platform and monitoring towel ramps Mutual security authentication second security mechanism method / Yu Yu, a method of using the public communication network to prevent authentication and security. ❹ ❹ ^ is suitable for the public Weixin network of the terminal phone terminal, mobile terminal phone data machine users In the loop, the method includes the following steps: ' (A): The remote payment platform is achieved - the terminal is installed, and the terminal is installed in the mobile communication network of the public communication network or the local telephone subscriber circuit. ;,, (9). The construction of the communication center platform - the communication terminal, and the communication terminal installed in the public communication network of the pure communication network or the consumption of the household to return to the financial resources of the two libraries, including The certification data has reference to the confidential account database; the mobile payment " has a telephone number _, the mobile phone device's mobile phone communicator contains a mobile phone, smart phone secret S People Yu Yu, shouting action communication (9) Road master coffee tender _ knitting clear pepper - scale Tong Yu (Ε) According to the shot, the financial face Wei Fan automatic Jing Zhen 1 ringing (four) 嶋 wheel bribe gambling time cut off (8): far The end-of-payment platform can be controlled by Wei in the end of the operation or in the city (4) Xianghu Loop 200929033. The platform is established between the public communication networks - the network is closed, the road is rude, and the user information of the master device is

或振鈴時間數值送給監控中心平台; 數I ()=j中〜平台依據用戶資料、鈴音數量或振鈴時間數值,判 斷4費者手縣置是授權、是否正確操作,· (J) ·本監財心平台可彻嶋睛或企業鱗路徑回送消 監控中心識別密語資料訊息給遠端支付平台; ❹ (K) a控巾心平台與主控|置與在公共通_關建立—振铃通訊 鍵路; ° ()2步驟賊’當遠端支付平台接獲監控中心、平台之消費者對監 二中心識別密語資料,並將其顯示在其螢幕上, ς 別監控中心之真偽; '爷蠘 (μ广於步驟(κ) ’㈣者於主控裝置在振鈴通賴路所娜之監控 中心平台來話顯示號碼後,可依據系統業者協議規範由監控; Ο =平台自動切斷振鈐軌鏈路或由消費者依據系統業者協議規 範鈴音數量或振鈴時間數,切斷振鈐通訊鏈路; ⑼./肖費者於主控裝置在振鈴通訊鏈路所擷取之監控中心平台來話 顯示號碼,消費者依據此來話號碼當成—個_密碼(Dynamic Password or One Time Password); (O) 卜消費者將祕密碼輸人於遠端支付平台,該遠端支付平台利用 網際網路絲細料徑,加錄回賴域料訊息回傳給 監控中心平台’做為稽核認證; (P) .監控中心平台收到該動態密碼,再與暫存記憶體之動態密瑪比 200929033 較如正確,監控中心平台再將此動態密碼資料訊息,利用網 際網路或企業網路路徑回送給遠端支付平台;並要求遠端支付 平口啟動貝訊加密之行動支付認證程式,於遠端支付平台螢幕 上要求消費者輸入帳號密碼。 (Q) /肖費者於遠端支付平台輸入帳號密石馬後,該遠端支付平台,依 據系統業者協議規範將加密動_碼、帳號密鱗資訊,利用 ❹ 網際網路或企細路路徑㈣給監控令心、平自做認證資料之依 據; W :當完壯妨雜權、翻、雛,即錢__#者身分及 詐欺行為預防之安全機制方法。其他消費、物品銷售、請款、 付款、錄,清算不在本發明創作領域,依現有技術流程即可; ⑻:Μ㈣者財控裝置發送-組參考密碼、㈣者認證資料之簡 訊給監控中心平台”珊設定、更改、查詢、刪除消費者 料時,可經由步驟(Β)之㈣者認證資料的參考密碼執行此項工 作認證;Or the ringing time value is sent to the monitoring center platform; the number I () = j in the platform depends on the user data, the number of ring tones or the ringing time value, to determine whether the 4 fee holders are authorized and operate correctly, (J) · Ben The Supervisory Center can be used to identify the secret message information to the remote payment platform; ❹ (K) a control towel platform and main control | set and establish in the public pass - ringing Communication key; ° () 2 step thief 'When the remote payment platform receives the monitoring center, the platform of the consumer to the second center to identify the secret language data, and display it on its screen, to distinguish the authenticity of the monitoring center; 'Ye 蠘 (μ 广 在 step (κ) ' (4) after the main control device in the ringing of the road to monitor the center of the monitoring center platform to display the number, can be monitored according to the system operator agreement; Ο = platform automatically cut off The vibrating rail link or the number of ring tones or the ringing time specified by the consumer according to the system operator agreement, cut off the vibrating communication link; (9)./ Xiao Fei in the monitoring center of the main control device on the ringing communication link Platform to display numbers, consumers According to this incoming number, it is a Dynamic Password or One Time Password; (O) The consumer enters the secret code into the remote payment platform, and the remote payment platform utilizes the Internet network fine-grained path. Adding the information back to the monitoring center platform and returning it to the monitoring center platform as the auditing certification; (P). The monitoring center platform receives the dynamic password, and then compares with the dynamic memory of the temporary storage memory. The monitoring center is correct. The platform then sends the dynamic password information message to the remote payment platform by using the Internet or enterprise network path; and requires the remote payment flat port to activate the mobile payment authentication program of Beixun encryption, and requests the consumption on the remote payment platform screen. Enter the account password. (Q) / Xiao Fei who enters the account Mi Shima after the remote payment platform, the remote payment platform, according to the system operator agreement specification, will encrypt the _ code, account secret scale information, use ❹ Internet The road or the path of the enterprise road (4) gives the basis for monitoring the heart and the self-certification information; W: The security mechanism for the prevention of miscellaneous rights, turning over the young, that is, the money __# person identity and fraud prevention Method: Other consumption, item sales, payment, payment, recording, clearing are not in the field of creation of the invention, according to the existing technical process; (8): Μ (4) financial control device sends - group reference password, (4) the authentication information of the newsletter for monitoring When the central platform sets, changes, queries, and deletes the consumer materials, the work authentication may be performed through the reference password of the (4) authentication data of the step (Β);

(Τ):當步驟⑻比對顧結果料目同時,允許㈣者纽辦密碼. (U):當步驟⑻比對結果相同日寺,允許消費者設定、更改、查詢、'删 除用戶認證資料; 實施方式】 參閱第一 三、四、五、六圖 ,是本發明之使用公共诵 信網路安全憑證授權的方法的一實施方式例, 、、 其一係在一公共通信、網路1之行動終端機 有-主控裝置4,並利用來話號碼及狀態切換作為該主控=中4 10 200929033(Τ): When step (8) compares the result of the result, the (4) person is allowed to enter the password. (U): When the step (8) is the same as the result, the consumer is allowed to set, change, query, and 'delete the user authentication data. Embodiments refer to the first three, four, five, and six figures, which are an embodiment of the method for using the public network security certificate authorization of the present invention, and one of them is in a public communication, network 1 The mobile terminal has a master device 4, and uses the incoming number and status switch as the master = middle 4 10 200929033

授權、稽核、認證功能的方法。該主控裝置4:涵蓋市内電話, 固定電話,手持通信裝置’行動電話基站(Mobile Staticm)、PDA (PDA Personal Digital Assistant個人數位助理)手機、智慧型手機。 其二係該公共通彳§網路1 .可以是一陸上行動通信網路 (PLMN)或公共電話網路(PSTN);介接該公共通信網路丨可以是一 行動電話或市内電話迴路。如第二圖示。 2〇3與該記憶單元204的處理器單元2〇5、及一供與該公共通信網 其三係該遠端支付平台2 :包含一通信終端機2〇卜一顯示單 元202、一輸出入單元203,一儲存有參考密碼等之記憶單元2〇4、 一連接5亥使用者通#終端機201、該顯示單元202、該輸出入單元 路1及主控裝置4間建立一振鈴通訊鏈路,且能指出該公共通信 網路1利用來話顯示功能作狀態切換的電腦程式產品2〇6了該▲ ,支付平台2涵蓋遠端終端機、無人商店、虛擬商店,刷卡機, 二動巧卡機、自動提款機’網路銀行遠端伺服器、伺服器。如第 三圖示〇Method of authorization, auditing, and authentication functions. The main control device 4: covers a local telephone, a fixed telephone, a handheld communication device, a mobile static base station, a PDA (PDA Personal Digital Assistant) mobile phone, and a smart phone. The second is the public communication network 1. It can be a land mobile communication network (PLMN) or a public telephone network (PSTN); the public communication network can be a mobile phone or a local telephone circuit. . As shown in the second illustration. 2〇3 and the processor unit 2〇5 of the memory unit 204, and one for the public communication network, the third of which is the remote payment platform 2: comprising a communication terminal 2, a display unit 202, an input and output The unit 203 establishes a ringing communication link between the memory unit 2〇4 storing a reference password and the like, the connection terminal 5 terminal unit 201, the display unit 202, the input/output unit path 1 and the main control unit 4. Road, and can point out that the public communication network 1 uses the incoming display function for state switching of the computer program product 2〇6 ▲, the payment platform 2 covers the remote terminal, unmanned stores, virtual stores, credit card machines, two mobile A smart card machine, an ATM, an online banking remote server, and a server. As shown in the third icon〇

例、發明5兒明的動作流程, 7、五、六圖,是本發明之一較佳實施 ’該方法包含下列步驟: (Α):遠端支付平台2 内建構—通信終端機201 201安裝於公共通信網路1之;5 路中,内建構一能指出該公此 201,並將該通信終端機 1之行動通信網路或市内電話用戶迴 通4§網路1利用來話顯示功能作 200929033 狀態切換的電腦程式產品206 ; (Β).監控中心平台3内建構一通信終端機3〇1,並將該通信終端機 301安裝於公共通信網路丨之行動通信網路或市内電話用戶迴 路中’内建構-能指ttj該公料信網路丨來賴示功能作 狀邊切換的電腦程式產品3G6。;該監控中心、平台3有資料庫, 其中包含消費者認證資料有參考密碼、用戶認證資料庫; ❹ Ο (C):在監控中心平台3之#料庫中用戶認證資料庫可包含消費者主 控裝置號碼資料、使用者代號資料、消費者對監控中心識別密 .語資料、臨時動態密碼龍、消f者支付密碼資料; (D广主控裝置4為難者5行較付卫具包含有衛星電話通信器、 二動電話通信器,該行動電話通信器包含行動電話、智慧型手 ^内建通信器PDA,内建行動通信器之可攜式電腦; 示,魏㈣者5之主控裝置4與遠端支付平台在2 A /、通^網路丨間建立一振鈴通訊鏈路观; ⑻:遠=付他可在振騎訊鏈物所 戶健存在遠端支付平台2之暫時記憶體2〇4内裝 鍵路m2 4m協議規範可自動切斷振龄通訊 間數切斷振鈐通訊鍵路別;遠端====铃, :振铃時間數值’並儲存在遠端支付平:2之暫時:::量 (H) 一個網際網路或企業網路路㈣2;在〜、通信網路1間建立 12 200929033 (I) ·· 台2 ϋ用此路徑’將儲存在其暫時記憶體2⑽内之 、二4用戶#料、鈴音數量或振鈴時間數值發送給監控中 =口 3 ’此監財心平台3接受這些資料並確認後,儲存在監 控中心平台3暫時記憶體304内; (J) 平台3依據主控裝置4用戶㈣、鈴音數量或振鈴 用:=! 置4是否經授權、停權、未註冊以及利 m =振鈴時_靖_5是_作、操作錯 研、止;插作; (Κ) i4m' ^ * 乍―時,本監控k平台3可咖網際網 3回送錯誤訊息給遠端支付平台2;本 = 郵件告知錯誤訊息或告警訊息給此消費者二 〇 (L) :fr驟⑺比對結果判斷主控|置4經授權且操作正確時,本監 二“平台3可利用網際網路或企業網路路徑5的回送消費者5 對監控中心3識別密語資料訊息給遠端支付平台l ㈣:^步驟(__街主控㈣經授權且操作正 ==:找:個空閒-個號碼之通信 此蚁機唬碼儲存暫時記憶體3〇4内;並且依 端機或市㈣_戶迴路内之通信終端機與 共通信網路i間建立一振鈴軌鏈路5〇4;主控裝置^么 =訊鏈路賴取之監财心平台3 _賴料== 主控裝置4之暫時記憶體内; 了儲存在 13 200929033 (Ν):遠端支付平台2接獲監控中 別密語資料,並將其顯干在^^之消費者對監控中心3識 識別監控中心^偽在其购元2〇2上,以利消費者5 ⑼:當步驟(N)消費者5從遠端支付平台勞幕2〇2上,認為對 以语資料有疑慮時,消費者5立即終止執行以下心, (p) 4在振鈴通訊鏈路504所 ΟThe flow chart of the invention, the fifth, the fifth and the sixth figure is a preferred embodiment of the present invention. The method comprises the following steps: (Α): the remote payment platform 2 is constructed - the communication terminal 201 201 is installed. In the public communication network 1; in the 5 way, the built-in structure can indicate the public 201, and the mobile communication network of the communication terminal 1 or the local telephone user is returned. A computer program product 206 for function switching of 200929033; (Β). A communication terminal unit 3〇1 is built in the monitoring center platform 3, and the communication terminal unit 301 is installed in a mobile communication network or city of a public communication network. In the internal telephone subscriber circuit, the 'internal construction' can refer to the computer program product 3G6, which is the function of the TT. The monitoring center and platform 3 have a database, which includes a reference password and a user authentication database for the consumer authentication data; ❹ Ο (C): the user authentication database in the #库库 of the monitoring center platform 3 may include the consumer. The main control device number data, the user code data, the consumer's identification of the confidential information file for the monitoring center, the temporary dynamic password dragon, and the consumer's payment password information; (D-Guang main control device 4 is difficult to be 5 There is a satellite telephone communicator and a two-mobile telephone communicator. The mobile telephone communicator includes a mobile phone, a smart hand built-in communicator PDA, and a portable computer with a built-in mobile communicator; Show, Wei (4) 5 The control device 4 and the remote payment platform establish a ringing communication link between the 2 A / and the network; (8): Far = pay him can exist in the remote riding platform 2 Temporary memory 2〇4 built-in key m2 4m protocol specification can automatically cut off the vibration age communication number to cut off the vibration communication keyway; far end ==== bell, : ringing time value 'and stored in the far End payment flat: 2 temporary::: quantity (H) an internet or enterprise Road (4) 2; Established in ~, communication network 1 2009 20093333 (I) · Station 2 Use this path to store the number of users, ringtones or ringing time values stored in its temporary memory 2 (10) Sent to the monitoring medium = port 3 'This monitoring financial platform 3 accepts these materials and confirms them, and stores them in the temporary memory 304 of the monitoring center platform 3; (J) Platform 3 according to the main control device 4 users (four), the number of ring tones or ringing Use:=! Set 4 whether it is authorized, stop right, not registered, and profit m = ringing _ Jing _5 is _ done, operation wrong research, stop; insert; (Κ) i4m' ^ * 乍 ―, this Monitoring k platform 3 okay Internet 3 sends an error message to the remote payment platform 2; this = email informs the consumer of the error message or alarm message (L): fr (7) comparison result judgment master | set 4 Authorized and operating correctly, the supervisor 2 "platform 3 can use the Internet or enterprise network path 5 to return the consumer 5 to the monitoring center 3 to identify the secret message information to the remote payment platform l (four): ^ steps (__ Street master (4) authorized and operation is positive ==: find: a free-number communication This ant machine weight storage temporary record Recalling the body 3〇4; and establishing a ringing track link 5〇4 between the communication terminal in the terminal or the city (4)_house circuit and the common communication network i; the master control device The monitoring of the financial platform 3 _ 料 = = = temporary memory of the main control device 4; stored in 13 200929033 (Ν): the remote payment platform 2 received the monitoring of the secret language information, and display it in ^ ^The consumer of the monitoring center 3 identification and monitoring center ^ pseudo-in its purchase of 2 〇 2, in order to benefit consumers 5 (9): when step (N) consumer 5 from the remote payment platform screen 2, 2 When it is considered that there is any doubt about the language information, the consumer 5 immediately terminates the execution of the following heart, (p) 4 on the ringing communication link 504

楣r*⑩φ、、亚口來 虎碼後,可依據系統業者協議 巳瓜玉w、’台3自動切斷振鈴通訊鏈路504或由消費者5 =業者協議規範鈴音數量或振鈴時間數,切斷振鈴通訊 (Q) :於步驟(P)中’監控中心平台3可依據系統業者協議規範中,由 消費者5切斷振鈴通訊鏈路之鈴音數量或振铃時間數,判斷消 費者是否親自操作主控裝置4。如否,監控中心平台3給予消費 者5從步驟(E)到步驟(N)協議數次機會,如連續錯誤,監控中心 平台3將;東結此主控裝置4之行動支付授權; (R) :於步驟(M)中,消費者5於主控裝置4在振鈴通訊鏈路$⑽所 娜之監射斜台3來話顯稀碼,、;肖f者5依據此來話號 碼 ^ 成個動態猶碼(Dynamic Password or One Time楣r*10φ, after the Asian port comes to the tiger code, according to the system operator agreement 巳 玉 w, 'Taiwan 3 automatically cut off the ringing communication link 504 or by the consumer 5 = the company agreement to regulate the number of ring tones or ringing time, Cut off the ringing communication (Q): In step (P), the monitoring center platform 3 can cut off the ring tone number or ringing time of the ringing communication link by the consumer 5 according to the system operator protocol specification, and determine whether the consumer is The master device 4 is operated in person. If not, the monitoring center platform 3 gives the consumer 5 several opportunities from step (E) to step (N) agreement, such as continuous error, the monitoring center platform 3 will; the east end of the action payment authorization of the master device 4; ): In the step (M), the consumer 5 displays the rare code on the monitoring ramp 3 of the ringing communication link $(10) on the ringing communication link 4, and the speaker 5 is based on the incoming number ^ Become a Dynamic Password or One Time

Password); (S).消費者5於主控裝置4所顯示來話號碼,在依據系統業者協議 規範,擷取相對碼數,在遠端支付平台2按鍵裝置2〇2上,輸 入此相對碼數505做為動態密竭認證·, 200929033 (T)==m崎細路路徑— )3收到此動態密竭訊息,比對步驟(m)中於儲存 2時記憶體304隨機號嫣資料。如不同,則監控中心平Μ 將來結此主控裝置4之行動支付授權; ° (V) 啊,監財心* 3將倾料肝認證資 消費f主控裝置4號碼資料號碼相對應之暫存記憶體之動 =碼訊息,利用網際網路或企業網路路徑5〇7回送給遠端支 ^台,f要求遠端讀平台2啟㈣訊加密之行較付認證 508 Λ付平台2螢幕上咖要求消費者輸场號密瑪 (W) ·、=費者於遠端支付平台2按鍵裝置上,輸入此帳號密碼·; 疋支付平口依據系統業者協議規範將力口密 5〇9 台3做認證資料之依據; Ο (X) :當完壯述步驟認證、稽核、漏,即完成料者身分及炸欺 仃為預防之安全機制方法,其他㈣、物品銷售、請款、付款、 繳款不在本發關作領域,依現有技術流程即可. ⑺:_者5以主控裝置4發送—組參考密碼、消費者認證資料之 簡訊給監控中心平台3申請註冊設定、更改、查詢、刪除消費 者5資料’可經由步驟⑻之消費者認輯料的參考密瑪6〇ι執 行此項工作認證; (z)田步驟⑺比對結果6〇2不相同時,允許監控中心平台3傳送一 個示警信息簡訊606給主控裝置606 ; 15 200929033 603 ; (zi):當步驟⑺比對確認結果602冑相同時’允許消費者$之主控 裝置4以簡訊向監控中心3申請註冊設定、變更、刪除、查: (Z2):允許監控中心3之用戶認證資料庫記憶單元内儲存、變更、 刪除、查詢:參考密碼、消費者球裝置號碼資料、使用者代 號資料、消費者對監控中心識別密語資料、臨時動態密碼資料、 消費者支付密碼資料604 ; ' ❹ ❹ 置4; ⑼:允許監控中心平台3傳送傳送一個完成信息6〇5給主控裝 本發明為消費者使用主控裝置,利用公共 =戶=的來話顯示並來話號碼及狀_“’ ,之t全滅機制°從而讓支付平台能签合具有 ,分防偽認證、防止触行為、操作流程簡單有短費 系統經營商需節省可觀通信費=預 另外,利用本發明之方法,可於公共通信網路系統中利用唯一 話號碼音數量或振料隨做相取_證授侧係之 ,作特性,極具實雜值。唯,上述本案所揭露之詳細說明,僅為 舰,纽姆贩人仕,該所依 杨精神㈣下,所做之較變倾料,皆應涵蓋在以 所述之申請專利範圍内。 〃 16 200929033 【圖式簡單說明】 本發明之其他雛及優點,在以下配合參考圖式之較佳實施例 的詳細說明中,將可清楚的明白,在圖式中: 第-圖是本個之-齡實施綱—實敎置方義,說明公 共通信網路與一監控中心平台與一遠端支付平台與一主控裝置與一 消費者的連結關係; I '、 第二圖是本發明之—較佳實酬的—公共職網路實體圖,說(S). The consumer 5 displays the incoming number on the main control device 4, and retrieves the relative code number according to the system operator protocol specification, and inputs the relative value on the remote payment platform 2 button device 2〇2. The code number 505 is used as the dynamic exhaustion authentication., 200929033 (T)==m-strip road path - ) 3 receives this dynamic exhaustion message, and compares the random number of the memory 304 in the storage step 2 in the step (m). data. If it is different, the monitoring center will release the action payment authorization of the main control device 4 in the future; ° (V) ah, the supervision of the financial heart * 3 will dump the liver certification consumption consumption f main control device 4 number data number corresponding to the temporary The memory of the memory = code message, using the Internet or enterprise network path 5〇7 to send back to the remote branch, f requires the remote reading platform 2 (four) encryption encryption line compared to the authentication 508 payment platform 2 On the screen, the consumer is required to register the number of the company (M). • The fee is entered on the remote payment platform 2 button device, and the password is entered. 疋Payment is based on the system operator agreement. Table 3 is the basis for the certification data; Ο (X): When the steps of certification, auditing, and leakage are completed, the safety status of the materializer and the scam is completed. Others (4), sales of goods, payment, payment The payment is not in the field of this issue, according to the existing technical process. (7): _ 5 is sent by the master device 4 - the group reference password, the consumer certification data message to the monitoring center platform 3 to apply for registration settings, changes, Query and delete consumer 5 data 'can be eliminated by step (8) Referring to the reference of the material, the MME 6〇ι performs the work authentication; (z) the field step (7) is different from the result 〇2, and allows the monitoring center platform 3 to transmit a warning message 606 to the master device 606; 15 200929033 603 ; (zi): When the step (7) is the same as the confirmation result 602 ', the main control device 4 allowing the consumer $ to apply for registration setting, change, deletion, check with the short message: (Z2): Allow Storage, change, deletion, and query in the user authentication database memory unit of the monitoring center 3: reference password, consumer ball device number data, user code data, consumer identification of secret language data to the monitoring center, temporary dynamic password data, consumers Payment password information 604; ' ❹ 4 4; (9): Allow the monitoring center platform 3 to transmit and transmit a completion message 6 〇 5 to the main control device The present invention uses the main control device for the consumer, and displays the call using the public = household = Incoming number and shape _ "', the t-extinguish mechanism ° so that the payment platform can sign, have anti-counterfeiting certification, prevent touch behavior, simple operation process, short-term system operators need to save considerable Communication fee=Pre-additionally, by using the method of the present invention, the number of unique number digits or the vibrating material can be used in the public communication network system to perform phase-taking, and the characteristics are very complicated. The detailed descriptions disclosed in the above-mentioned case are only for the ship, the Newm dealer, and the changes made by the Institute under the spirit of Yang (4) should be covered by the patent application mentioned. 〃 16 BRIEF DESCRIPTION OF THE DRAWINGS [0009] The other embodiments and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments illustrated in the accompanying drawings. The implementation of the age--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Better paid - public network entity map, say

Ο 明公共通信網路包含陸上行動電話網路(PLMN)或公共電話網路 (PSTN); " 弟圖疋本發明之一較佳實施例的一返端支付平台實體配置方 塊圖; 第四圖是本發明之一較佳實施例的一監控中心平台實體配置方 塊圖; 第五圖是該較佳實施例的一動作流程圖,說明公共通信網路與 f費者、主控裝置、遠端支付平台、監控中心平台的動作流程關係; 及 第六圖是該較佳實施例的一消費者以主控裝置向監控中心平台 申請註冊設定、更改、查詢、刪除消費者資料流程圖。 17 200929033 【主要元件符號說明】 本發明部分: 公共通信網路 陸上行動電話網路 公共電話網路 通信終端機 顯示單元 輸出入單元 記憶單元 處理器單元 電腦程式 簡訊 遠端支付平台 監控中心平台 主控裝置 消費者 識別密語 動態密碼 帳號密碼 501〜510步驟 601〜605步驟The public communication network includes a land mobile telephone network (PLMN) or a public telephone network (PSTN); " a schematic block diagram of a back-end payment platform entity configuration according to a preferred embodiment of the present invention; The figure is a block diagram of a physical configuration of a monitoring center platform according to a preferred embodiment of the present invention; and FIG. 5 is a flow chart of an action of the preferred embodiment, illustrating a public communication network and a fee, a master device, and a far The action flow relationship between the end payment platform and the monitoring center platform; and the sixth figure is a flow chart of the consumer of the preferred embodiment applying for registration, changing, querying, and deleting the consumer data to the monitoring center platform by the main control device. 17 200929033 [Main component symbol description] Part of the invention: Public communication network Land mobile phone network Public telephone network communication terminal Display unit Output unit Memory unit Processor unit Computer program SMS Remote payment platform Monitoring center platform master Device Consumer Identification Secret Word Dynamic Password Account Password 501~510 Steps 601~605 Steps

Claims (1)

200929033 申請專利範圍: ι· 一 種長:供經由公共通k網路傳送—個來 3 時間數1自,讓、β / 〃、一龄曰數量或振铃 予間數此。讓讀者身分與主控震置、遠端支付平台、 心平台四者間相互防偽認證的安全 皿控中 、鹏切祕&概市㈣_巧财財法包含 (Α)消費者使用主控裝置與遠 ^> · -振鈐通賴路; 时"^在a細㈣路間建立 O ⑻f支付平纟可在振鈴通訊鱗所娜之主控裝置用 料’儲存在遠端支付平台之暫時記憶體内; 、 (c) 獅統業者協_,自動切斷振鈴通訊 置依據系統業者協議規範鈴音數量或振鈴時 間數切斷振鈴通訊鏈路;遠端支 振鈴時間數值,顧存在遠端絲Α,此鈴日數量或 (D)遠端支付平台可賴钱 ’ °之暫時記憶體内; 向μ 據裝在订動終端機或市内電話用戶迴路 〇 可與驗巾心平台在公魏翻關建立一 個、屑際網路或企業網路路徑; ⑹付ΐ台利用此路徑,將儲存在其暫時記憶體内之主控 二,戶α身料、鈴音數量或振鈴時間數值發送給監控中心平 二平台接找_料並確_,儲存在監控中 、千台暫時記憶體内; Ο &控依據主控裝置用戶資料、铃音數量或振鈴時間數 消費者羊姓子在監控中心資料庫之主控裝置用戶資料’判斷 持主控裝置是否經授權、停權、未註冊以及利用鈴 19 200929033 音數量或振鈴時間數值觸消f者是否誤動作、操作錯誤、 正確操作; ' (G)當步驟(F)比對結果觸主控裝置經授權且操作正確時,π中 心平台可利_際網路或企業網路路徑回送消費者對$控中 心識別密語資料訊息給遠端支付平台; (Η)當步驟(F)比對結果判斷主控裝置經授權且操作正確時,監控中 找—财閒—個號碼之通信終端機,並將此隨機號 ❹ Ο 碼儲存暫時輯並絲餘其行祕端機或市内電 1用戶迴路内之通信終端機與主控裝置在在公共通信網路間 建立一振鈴通訊鏈路;主控裝置可在振鈐通訊鏈路所擷取之監 控中心平台來話顯示號碼,並可儲存在主控裝置之暫時記憶= 内; 〜 (I) 遠端支付平台接獲監控中心平台之消費者對監控中心識 資料,並將其顯示在其螢幕單元上; β (J) 於步驟(Η)中’消費者於主控裝置在振鈐通訊鏈路所梅取之監控 中心平台來話顯示號碼後,可依據系統業者協議規範由監^ ,台自動靖振鈴通訊鏈路或由消f者依據系統業者協^規 範鈐音數量或振鈐時間數,切斷振鈴通訊鏈路; 、 (K) 於步驟⑻中〇肖費者於主控裝置在振鈐通訊鏈路所擷取之監控 中心平台來話顯示號碼’消費者依據此來話號碼當成一個動態 密碼; ~ (L) 消費者依據主控裝置所顯示來話號碼,於系統業者協議規範, 擷取相對碼數,在遠端支付平台按鍵裝置上,輸入此相對錢 做為動態密碼認證; 20 200929033 (Μ)遠端支付平㈣用嶋_或企業轉賴回送此動態密碼訊 息給監控中心平台; (Ν)監控中心平台收到此動態密碼訊息,比對步驟⑻巾於儲存在暫 時記憶體隨機號碼資料。 (〇)當步驟⑼比對相同時’監控中心平台再將儲存在暫時記憶體隨 ^碼資料’即難者緖裝置號碼㈣號碼娜應之臨時動 碼iflA,繼嶋鱗或企細路路翻送給遠端支付平 ❽纟;並要求遠端支付平台啟動資訊加密之行動支付認證程式, 並於遠端支付平妓幕上要求㈣者輸人帳號密碼。 (p)消費者於遠端支付平台按鍵裝置上,輸入帳號密碼;遠端支付平 台依據系統業者協議規範將加密臨時動態密碼、帳號密碼資訊 利用網際網路或企麵路路徑回送給監控巾^平台做認證 之依據; (Q) 二成上述步驟認證、稽核、授權,即完成;肖費者身分及詐欺 行為預防之安全機制方法; Ο 2·依據申請專利範圍第1項所述之方法,包含下列步驟: (R) 當步驟(F)比對結果判斷主控裝置停權、未註冊、誤動作,操作 ’:。誤時監控中〜平台可利用網際網路或企業網路路徑回送錯 2錢給遠端支付平台;監控巾心平台可利關訊、電子郵件 告知錯誤訊息或告警訊息給此消費者之手持主控裝置; ⑻步欠驟(1)消t者從遠端支付平台螢幕上,認為對監射心識別密组 讀有錯誤時’、消費者立即終止執行(L)至,J (p)之步驟,以防被 21 200929033 ()田步驟(H;^控巾心平台未送來話顯示號碼給主控裝置時,消費 者不執行(L)到(P)之步驟,以防被詐欺; (U)當步驟⑼比對不相同時,監控中心平台利用嶋網路或企業網 2路㈣給遠端支付平台—個終止信息;要求遠端支付平台放 棄行動支付執行接續後之步驟,以防被詐欺; m專撕狀枝,社錄找肖費者行動200929033 The scope of application for patents: ι· A long: for transmission via the public network k - 3 times 1 time, let, β / 〃, the number of one-year 或 or ringing to the number. Let the reader's identity and the main control, the remote payment platform, the heart platform, the mutual security authentication of the security control, the cleavage secret & the city (four) _ Qiao Caifei law contains (Α) consumer use master Device and far ^> · - vibrate through the road; time " ^ between the a (four) road to establish O (8) f payment flat can be used in the ringing communication scales Temporary memory; (c) Lions Association _, automatically cut off the ringing communication according to the system operator agreement specification ring number or ringing time to cut off the ringing communication link; remote ringing time value, Gu exist far The end of the wire, the number of this bell day or (D) the remote payment platform can rely on the money '° temporary memory; to the μ according to the ordering terminal or the city telephone user circuit can be compared with the test towel platform Public Wei will establish a shard network or corporate network path; (6) Fu ΐ台 uses this path to send the number of masters, households, ringtones or ringing time stored in their temporary memory. To the monitoring center Ping Er platform to find _ material and indeed _ Stored in the monitoring, thousands of temporary memory; Ο & control according to the user information of the main control device, the number of ring tones or the ringing time number of the consumer's surname in the monitoring center database of the main control device user data 'determination holder Whether the control device is authorized, suspended, unregistered, and uses the number of sounds or ringing time of 200919,033 to deny whether the user is malfunctioning, operating error, or correct operation; ' (G) when step (F) compares the result to master When the device is authorized and operating correctly, the π-center platform can send back the consumer to the remote control platform to identify the secret message information to the remote payment platform; (Η) when step (F) compares the result When it is judged that the main control device is authorized and the operation is correct, the communication terminal that finds the financial idle number is monitored, and the random number Ο 储存 code is temporarily stored and the user of the secret terminal or the local electric power 1 user The communication terminal in the loop and the main control device establish a ringing communication link between the public communication network; the main control device can display the number in the monitoring center platform captured by the vibrating communication link. It can be stored in the temporary memory of the master device = ~ (I) The remote payment platform receives the information from the monitoring center platform to the monitoring center and displays it on its screen unit; β (J) In the step (Η), after the consumer displays the number on the monitoring center platform of the vibrating communication link, the consumer can use the system operator protocol to monitor the communication link or the automatic ringing communication link. The consumer disconnects the ringing communication link according to the system operator's specification of the number of voices or the number of vibration times; (K) in step (8), the master is captured on the vibrating communication link of the master device. The monitoring center platform displays the number 'consumer according to the incoming number as a dynamic password; ~ (L) the consumer according to the number displayed by the master device, in the system operator protocol specification, draws the relative code number, On the remote payment platform button device, enter the relative money as the dynamic password authentication; 20 200929033 (Μ) remote payment flat (four) with 嶋 _ or enterprise transfer back this dynamic password message to the monitoring center platform; (Ν) monitoring Platform receive this message dynamic password, than for the steps ⑻ towel to be stored in temporary memory random number data. (〇) When the step (9) is the same, the 'monitoring center platform will be stored in the temporary memory with the code data', that is, the device number (4) number Na Ying's temporary moving code iflA, following the scale or the thin road The remote payment platform is forwarded to the remote payment platform; and the remote payment platform is required to initiate an action encryption authentication program for information encryption, and the remote payment screen is required to input the account password. (p) The consumer enters the account password on the remote payment platform button device; the remote payment platform returns the encrypted temporary dynamic password and the account password information to the monitoring towel according to the system operator protocol specification by using the internet or the business path. (Q) 20% of the above steps of certification, audit, authorization, that is, completion; Xiao Fei's identity and fraud prevention method of security mechanisms; Ο 2. According to the method described in claim 1 of the scope of patent application, The following steps are included: (R) When the step (F) matches the result, it is judged that the master device is suspended, not registered, or malfunctioned, and the operation is ':. In the case of mis-time monitoring, the platform can use the Internet or corporate network path to send back 2 wrong money to the remote payment platform; the monitoring towel platform can inform the news, email the error message or alarm message to the consumer. (8) Step-by-step (1) Eliminate from the remote payment platform screen, when it is considered that there is an error in the reading of the secret reading group, the consumer immediately terminates the execution (L) to J (p) Steps, in case the 21 200929033 () field step (H; ^ control towel platform does not send the call to display the number to the master device, the consumer does not perform the steps (L) to (P) to prevent fraud; (U) When the step (9) is different, the monitoring center platform uses the network or the enterprise network 2 (4) to the remote payment platform - a termination information; the remote payment platform is required to abandon the action payment to perform the subsequent steps, Anti-fraud; m special tear-off branches, the social record to find the Xiao Fei action 峡絲,+騎信裝置,行動電話基站 人Γ拖建通信器PDA ( PDA Per醜1 D咖As— 可射=手機、智慧型手機(Smart Ph〇ne)、内建行動通信器之 、·通信終端機、行動終端機、電腦平台、手機、 4·依據中料繼圍第丨項所述之方法,該遠端支付平台内建構一 通信終端機’並可將賴信終職安躲公共通信網路之行動通 信網路或市内電話用戶迴路中;内建構—能指出該公共通信網路 利用來話顯不功能作狀態切換的電腦程式產品;該遠端支付平二 涵蓋自動販賣機,無人商店、虛擬商店,刷卡機,行動刷卡機: 自動提款機,網路銀行遠端伺服器、、祠服器; 5.依據申請專利範圍第1項所述之方法,該監控中心平台内建構一 通信終端機,並可將該通信終端機安裝於公共通信網路之行動通 信網路或市内電話用戶迴路中;内建構一能指出該公共通信網^ 利用來話顯示功能作狀態切換的電腦程式產品;該監控中心平么 有一消費者認證資料庫,其中包含消費者認證資料有參考密碼: 用戶認證資料庫;該用戶認證資料庫可包含消費者主控裝置號石 資料、使用者代號資料、消費者對監控中心識別密語資料、臨時 22 200929033 ‘ 動態密碼資料、消費者支付密碼資料;該監控中心涵蓋控制中心、 遙測中心、帳務中心、清算中心、信用卡中心、金融卡中心、行 動電話認證中心、手持裝置認證中心; 6.依據申請專利範圍第i項所述之方法,該當步驟(n)比對不 同τ现控中心平台依協議給予消費者從步驟(A)到步驟(〇)數 人機會如連續錯誤,監控中心平台將;東結此主控裝置之行動 支付授權; ❹ 7.依據申請專利細第5柄狀綠,消#者以主控裝置發送一 組參考密石馬、消費者認證資料之簡訊給監控中心平台申請註冊 又=其中’消費者申请§主冊設定、更改、查詢、刪除消費者 可經由消費者之認證資料的參考密碼執行此項工作認 =,虽參考密碼比對確認結果皆相同時,允許消費者更改參考 逸、碼,田參考密碼比對結果相同時,允許消費者設定、更改、 查詢、删除用戶認證資料; 、 23Gap wire, + riding device, mobile phone base station, dragging and constructing communicator PDA (PDA Per Ugly 1 D Café As - can shoot = mobile phone, smart phone (Smart Ph〇ne), built-in mobile communicator, · Communication terminal, mobile terminal, computer platform, mobile phone, 4. According to the method described in the middle of the fourth paragraph, the remote payment platform constructs a communication terminal' and can bury the public communication In the mobile communication network of the network or in the local telephone subscriber circuit; the internal construction can indicate that the public communication network utilizes the incoming computer program product that is not functioning for state switching; the remote payment flat covers the vending machine, Unmanned shops, virtual stores, credit card machines, mobile credit card machines: automatic cash dispensers, online banking remote servers, and server; 5. According to the method described in claim 1, the monitoring center platform Constructing a communication terminal, and installing the communication terminal in a mobile communication network of a public communication network or a local telephone subscriber circuit; the internal construction can indicate that the public communication network uses the incoming display function for state cutting Computer program product; the monitoring center has a consumer authentication database, which includes a consumer authentication data reference password: a user authentication database; the user authentication database may include the consumer master device stone data, the user Code information, consumer identification of secret language information to the monitoring center, temporary 22 200929033 'Dynamic password data, consumer payment password data; the monitoring center covers control center, telemetry center, accounting center, clearing center, credit card center, financial card center, Mobile phone authentication center, handheld device authentication center; 6. According to the method described in item i of the patent application, the step (n) is given to the consumer from step (A) to step (by comparison) according to different τ control center platforms. 〇) If there are several consecutive opportunities, the monitoring center platform will; the east will end the action payment authorization of the master device; ❹ 7. According to the patent application, the fifth handle will be green, and the consumer will send a set of reference secrets by the master device. Shima, consumer certification information newsletter to the monitoring center platform to apply for registration = where 'consumer application § main book The consumer can determine, change, query, and delete the reference password of the consumer's authentication data. If the reference password comparison result is the same, the consumer is allowed to change the reference, code, and field reference password ratio. Allow consumers to set, change, query, and delete user authentication data when the results are the same; 23
TW096151528A 2007-12-31 2007-12-31 A method of mobile payment for autheniication and authorization using public communications network. TWI347560B (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI425439B (en) * 2010-11-09 2014-02-01 Chunghwa Telecom Co Ltd Method and system for judging the number of types of telecom operators by weight
CN104199632A (en) * 2014-08-04 2014-12-10 百度在线网络技术(北京)有限公司 Method and device used for determining setting of sound effect
TWI638326B (en) * 2016-04-26 2018-10-11 台新國際商業銀行股份有限公司 Method of prelogin preview for online bank and system thereof

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI553568B (en) * 2013-07-31 2016-10-11 緯創資通股份有限公司 Mobile device and authentication method for mobile payment system

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI425439B (en) * 2010-11-09 2014-02-01 Chunghwa Telecom Co Ltd Method and system for judging the number of types of telecom operators by weight
CN104199632A (en) * 2014-08-04 2014-12-10 百度在线网络技术(北京)有限公司 Method and device used for determining setting of sound effect
TWI638326B (en) * 2016-04-26 2018-10-11 台新國際商業銀行股份有限公司 Method of prelogin preview for online bank and system thereof

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