METHOD, SYSTEM, AND DEVICE FOR IMPLEMENTING NETWORK BANKING SERVICE

• US 20110295707A1
• Filed: 08/09/2011
• Published: 12/01/2011
• Est. Priority Date: 02/09/2009
• Status: Active Grant

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Huawei Device Company Limited (Huawei Investment & Holding Co., Ltd.)
• Inventors: He, Zhigin, Gui, Yonglin
• Granted Patent: US 9,015,065 B2
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• CPC Class Codes: G06Q 10/1093 Calendar-based scheduling for persons or groups
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In the field of communications, a method, a system, and devices for implementing a network banking service are provided. The method includes: after an agent device establishes a connection with a Point Of Sale (POS) device, the agent device performs identification with the POS device; after successful identification, the agent device performs authentication with the POS device; after successful authentication, the agent device establishes a connection with a network banking server according to a preset address of the network banking server through wireless access to the Internet; and the agent device forwards network banking service data between the POS device and the network banking server, thereby implementing the network banking service. Therefore, it is convenient for users to use a network banking service, the functions of POS devices are simplified, and the cost of manufacturing and maintaining POS devices is reduced.

Claims

1. A method for implementing a network banking service, comprising:

performing, by an agent device, identification with a Point Of Sale (POS) device after the agent device establishes a connection with the POS device;

performing, by the agent device, authentication with the POS device after successful identification;

establishing, by the agent device, a connection with a network banking server through a wireless network after successful authentication; and

forwarding, by the agent device, network banking service data between the POS device and the network banking server.

2. The method according to claim 1, wherein the performing, by the agent device, the identification with the POS device comprises:

identifying, by the agent device, the POS device; and

identifying, by the POS device, the agent device.

3. The method according to claim 2, wherein the identifying, by the agent device, the POS device comprises:

sending, by the POS device, a device identity of the POS device to the agent device; and

identifying, by the agent device, the POS device according to the device identity; and

the identifying, by the POS device, the agent device comprises;

sending, by the agent device, a device identity of the agent device to the POS device; and

identifying, by the POS device, the agent device according to the device identity.

4. The method according to claim 1, wherein the performing, by the agent device, the authentication with the POS device comprises:

authenticating, by the agent device, the POS device; and

authenticating, by the POS device, the agent device.

5. The method according to claim 4, wherein the authenticating, by the agent device, the POS device comprises:

receiving, by the agent device, authentication information from the POS device;

determining, according to the preset authentication information of the agent device, whether the received authentication information matches the preset authentication information the agent device; and

if the received authentication information matches the preset authentication information of the agent device, authenticating the POS device successfully; and

the authenticating, by the POS device, the agent device comprises;

receiving, by the POS device, authentication information from the agent device;

determining, according to preset authentication information of the POS device, whether the received authentication information matches the preset authentication information of the POS device; and

if the received authentication information matches the preset authentication information of the POS device, authenticating the agent device successfully.

6. The method according to claim 5, wherein the authentication information is encrypted authentication information, and before the determining whether the received authentication information matches the preset authentication information of the agent device, the method further comprises:

decrypting the encrypted authentication information.

7. The method according to claim 1, wherein after the successful authentication, the method further comprises:

receiving, by the POS device, user authentication information from a user, and sending the user authentication information to the agent device;

receiving, by the agent device, the user authentication information from the POS device, and authenticating the user according to preset user authentication information of the agent device; and

after the agent device authenticates the user successfully, forwarding, by the agent device, the network banking service data between the POS device and the network banking server.

8. The method according to claim 7, wherein the authenticating, by the agent device, the user comprises:

determining whether the user authentication information sent by the POS device matches the preset user authentication information of the POS device, and if the user authentication information sent by the POS device matches the preset user authentication information of the POS device, authenticating, by the agent device, the user successfully.

9. The method according to claim 1, wherein the forwarding, by the agent device, the network banking service data between the POS device and the network banking server comprises:

receiving, by the agent device, a network banking service request encrypted by the POS device according to requirements for communication between the agent device and the POS device and network banking data requirements;

processing the received encrypted network banking service request according to requirements for communication between the agent device and the network banking server; and

sending the processed request to the network banking server;

receiving, by the agent device, a network banking service response encrypted by the network banking server according to the requirements for communication between the agent device and the network banking server and the network banking data requirements;

processing the received encrypted network banking service response according to the requirements for communication between the agent device and the POS device; and

sending the processed response to the POS device.

10. The method according to claim 9, wherein the forwarding, by the agent device, the network banking service data between the POS device and the network banking server comprises:

performing, by the POS device, first encryption on the network banking service request according to the network banking data requirements;

performing second encryption on the network banking service request after the first encryption according to the requirements for communication between the agent device and the POS device;

sending the network banking service request after the second encryption;

receiving, by the agent device, the network banking service request after the second encryption sent by the POS device;

performing second decryption on the received network banking service request after the second encryption;

performing third encryption on the network banking service request after the second decryption according to the requirements for communication between the agent device and the network banking server;

sending the network banking service request after the third encryption;

receiving, by the network banking server, the network banking service request after the third encryption sent by the agent device;

performing third decryption and then first decryption on the received network banking service request after the third encryption, so as to obtain the network banking service request after the first decryption;

processing the network banking service of the user according to the network banking service request after the first decryption, so as to obtain the network banking service response;

performing fourth encryption on the network banking service response according to the network banking data requirements;

performing fifth encryption on the network banking service response after the fourth encryption according to requirements for communication between the network banking server and the agent device;

sending the network banking service response after the fifth encryption;

receiving, by the agent device, the network banking service response after the fifth encryption sent by the network banking server;

performing fifth decryption on the received network banking service response after the fifth encryption;

performing sixth encryption on the network banking service response after the fifth decryption according to the requirements for communication between the agent device and the POS device;

sending the network banking service response after the sixth encryption; and

receiving, by the POS device, the network banking service response after the sixth encryption sent by the agent device.

11. The method according to claim 9, wherein after the network banking server receives the network banking service request, the method further comprises:

receiving, by the POS device, service authentication information input entered by the user;

forwarding the service authentication information to the network banking server through the agent device; and

determining, by the network banking server according to the received service authentication information and preset service authentication information of the network banking server, whether the received service authentication information matches the preset service authentication information of the network banking server; and

if the received service authentication information matches the preset-stored service authentication information of the network banking server, authenticating the service of the user successfully.

12. The method according to claim 1, wherein after the implementing the network banking service, the method further comprises:

receiving, by the agent device, a notification from the POS device;

releasing the connection with the POS device; and

releasing the connection with the network banking server.

13. A system for implementing a network banking service, comprising:

an agent device connected to a network banking server and a Point Of Sale (POS) device, wherein

the agent device is configured to perform identification with the POS device after establishing a connection with the POS device;

perform authentication with the POS device after successful identification;

establish a connection with the network banking server through a wireless network according to a preset address of the network banking server after successful authentication; and

forward network banking service data between the POS device and the network banking server, thereby implementing the network banking service.

14. The system according to claim 13, wherein the the POS device is configured to establish the connection with the agent device, perform identification with the agent device, perform authentication with the agent device after successful identification, and exchange the network banking service data with the network banking server through the agent device after successful authentication;

and

the network banking server is configured to establish the connection with the agent device, and exchange the network banking service data with the POS device through the agent device.

15. The system according to claim 13, wherein after the authentication between the agent device and the POS device is successful,

the POS device is further configured to receive user authentication information from a user, and send the user authentication information to the agent device;

and

the agent device is further configured to receive the user authentication information from the POS device, and authenticate the user according to preset user authentication information of the agent device and the received user authentication information.

16. The system according to claim 14, wherein the POS device is further configured to receive service authentication information entered by the user, and forward the service authentication information to the network banking server through the agent device;

and

the network banking server is further configured to receive the service authentication information forwarded by the agent device, and authenticate a service of the user according to the received service authentication information and preset service authentication information of the network banking server.

17. An agent device, comprising:

an establishment module configured to establish a connection with a Point Of Sale (POS) device;

an identification module configured to perform identification with the POS device after the connection with the POS device is established;

an authentication module configured to perform authentication with the POS device after successful identification;

a connection module configured to establish a connection with a network banking server through a wireless network after successful authentication; and

a service module configured to forward network banking service data between the POS device and the network banking server.

18. The agent device according to claim 17, further comprising:

a user authentication module configured to receive user authentication information sent by the POS device, and authenticate a user according to preset-stored user authentication information of the agent device after the authentication with the POS device is successful.

19. The agent device according to claim 17, wherein the service module comprises:

a receiving unit configured to receive a network banking service request from the POS device, and receive a network banking service response from the network banking server; and

a sending unit configured to send the network banking service request to the network banking server, and send the network banking service response to the POS device.

20. The agent device according to claim 19, wherein the service module further comprises:

an encryption and decryption unit configured to decrypt data received by the receiving unit and then encrypt the decrypted data according to communication requirements,

wherein the sending unit is further configured to send the data encrypted by the encryption and decryption unit.

21. A Point Of Sale (POS) device, comprising:

an establishment module configured to establish a connection with an agent device;

an identification module configured to perform identification with the agent device after the connection with the agent device is established;

an authentication module configured to perform authentication with the agent device after successful identification; and

a service module configured to exchange network banking service data with a network banking server through the agent device after successful authentication, wherein the agent device establishes a connection with the network banking server through a wireless network.

22. The POS device according to claim 21, further comprising:

a processing module configured to receive user authentication information input by a user after the authentication with the agent device is successful, and forward the user authentication information to the agent device, wherein the user authentication information allows the agent device to authenticate the user according to the user authentication information sent by the POS device and preset user authentication information of the POS device.

23. The POS device according to claim 22, wherein the service module further comprises:

a service authentication forwarding unit configured to receive service authentication information input by the user, and forward the service authentication information to the network banking server through the agent device, wherein the service authentication information allows the network banking server to authenticate a service of the user according to the received service authentication information and the preset stored service authentication information of the POS device.

24. The device according to claim 22, wherein the service module further comprises:

an encryption and decryption unit configured to encrypt a network banking service request and decrypt a network banking service response according to requirements of network banking data services.

25. The device according to claim 22, wherein the POS device further comprises:

an encryption and decryption module configured to encrypt data communicated to the agent device and decrypt received data communicated from the agent device according to requirements for communication with the agent device when the identification module performs identification with the agent device;

further configured to encrypt data communicated to the agent device and decrypt received data communicated from the agent device according to the requirements for communication with the agent device when the authentication module performs authentication with the agent device; and

further configured to encrypt network banking service data communicated to the agent device and decrypt received network banking service data communicated from the agent device according to the requirements for communication with the agent device when the service module exchanges the network banking service data with the network banking server through the agent device.

26. A network banking server, comprising:

an establishment module configured to establish a connection with an agent device through a network; and

a service module configured to exchange network banking service data with a Point Of Sale (POS) device through the agent device.

27. The network banking server according to claim 26, wherein the service module comprises:

a receiving unit configured to receive a network banking service request communicated by the POS device and forwarded through the agent device; and

a sending unit configured to communicated a network banking service response to the POS device through the agent device.

28. The network banking server according to claim 27, wherein the service module further comprises:

an encryption and decryption unit configured to decrypt the network banking service request and encrypt the network banking service response according to requirements of network banking data services.

29. The network banking server according to claim 26, wherein the network banking server further comprises:

an encryption and decryption module configured to encrypt network banking service data communicated by the service module to the POS device through the agent device and decrypt network banking service data communicated by the POS device and received by the service module through the agent device according to requirements for communication with the agent device.

30. The network banking server according to claim 26, wherein the service module of the network banking server further comprises:

a service authentication unit configured to receive service authentication information entered by a user and forwarded by the POS device through the agent device, and authenticate a service of the user according to preset service authentication information of the network banking server and the received service authentication information.