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    • 40. 发明授权
    • Apparatus and method for granting access to network-based services based upon existing bank account information
    • 基于现有银行帐户信息授予对基于网络的服务的访问的装置和方法
    • US06910020B2
    • 2005-06-21
    • US08825565
    • 1997-03-31
    • Shuji OyamaAkira Sato
    • Shuji OyamaAkira Sato
    • G06F21/33G06Q20/04G06Q20/10G06Q20/38G06Q20/40G06F17/60
    • G06Q20/4014G06F21/33G06Q20/04G06Q20/10G06Q20/102G06Q20/108G06Q20/3821G06Q20/3829G06Q40/02G06Q40/025
    • A network transaction system applicable to cyberspace banking services using an open network, which allows customers to authenticate themselves through a simplified procedure. A customer's terminal station and a plurality of bank systems are interconnected via networks, and it is assumed that the customer wishes to newly open a bank account in a bank system among them, or a target bank system, and that the customer has an existing bank account in a different bank system, or an cooperative bank system. Using his/her terminal station, the customer applies for a new bank account by supplying the target bank system with a ciphertext message containing existing account information descriptive of the customer's bank account in the cooperative bank system. The target bank system requests the cooperative bank system to confirm the customer's existing bank account, while forwarding thereto a part of the ciphertext message containing the existing account information. The cooperative bank system decrypts the received message and confirms the validity of the account that the customer claims to own. It then returns a response message to the target bank system to report the result of the account confirmation. The target bank system decides whether to accept or to reject the application for a new account based on the response message from the cooperative bank system.
    • 适用于使用开放网络的网络空间银行服务的网络交易系统,允许客户通过简化程序对其进行身份验证。 客户终端站和多个银行系统通过网络相互连接,假设客户希望在其中的银行系统或目标银行系统中新建银行账户,并且客户有现有的银行 在不同的银行系统或合作银行系统中。 通过使用他/她的终端站,客户向目标银行系统提供包含描述客户在合作银行系统中的客户银行账户的现有帐户信息的密文消息,申请新的银行账户。 目标银行系统请求合作银行系统确认客户的现有银行账户,同时向其转发包含现有账户信息的一部分密文消息。 合作银行系统解密接收到的消息,并确认客户声称拥有的帐户的有效性。 然后它向目标银行系统返回一个响应消息,以报告帐户确认的结果。 目标银行系统根据合作银行系统的回应信息决定是否接受或拒绝新账户的申请。