CN103186857A - Bank card payment method and system - Google Patents
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- CN103186857A CN103186857A CN2011104608027A CN201110460802A CN103186857A CN 103186857 A CN103186857 A CN 103186857A CN 2011104608027 A CN2011104608027 A CN 2011104608027A CN 201110460802 A CN201110460802 A CN 201110460802A CN 103186857 A CN103186857 A CN 103186857A
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Abstract
The invention provides a bank card payment method which comprises the following steps: a security control receives bank card information, identity information of a cardholder and a message authentication code; the security control sends payment request information to a security control front-end system, and the payment request information comprises the bank card information, the identity information of the cardholder and the message authentication code; the security control front-end system extracts the message authentication code from the payment request information and verifies the message authentication code; after the message authentication code passes verification, the security control front-end system transmits the bank card information and the identity information of the cardholder to a bank trading system; the bank trading system carries out identity authentication according to the bank card information and the identity information of the cardholder transmitted by the security control front-end system; and when the identity authentication passes, the bank trading system carries out trading authorization. The invention further provides a bank card payment system.
Description
Technical field
The application relates to the finance data process field, particularly a kind of bank card method of payment and system.
Background technology
Along with the high speed development of internet and ecommerce industry, become the industry focus around the internet for all-around services such as people provide clothing, food, live, row, sightseeing, shopping and entertainment.Under the propelling of mobile communication technology progress, with the mobile e-business fast development of internet, mobile communication technology, short-range communication technique and other information processing technology perfect adaptation.Mobile e-business is exactly to utilize B2B, B2C that wireless terminals such as mobile phone, PDA and palm PC carry out or the ecommerce of C2C.It makes people can carry out various commercial activities at any time and any place, realizes whenever and wherever possible, the shopping of line under reaching the standard grade and transaction, online E-Payment and various transaction, commercial activity, finance activities and relevant integrated service activity etc.
Yet, in network security threats serious day by day today, be that This is what people generally disapprove of often as the security of the payment link of one of most important link of mobile e-business.For example, to so far, the safe control of the link safety that is used for guaranteeing payment can't be embedded into mobile phone WAP browser.Thereby, when utilizing that for example mobile device such as mobile phone is done shopping, be difficult to guarantee the security identical with shopping online.In addition, utilizing before for example mobile phone is paid, must open needs to assemble certain hardware medium in Mobile banking or the mobile phone, SD card etc. for example, and these have all limited the development of mobile Internet payment.
Be in the patent documentation of CN101098371 at publication number, disclose a kind of finance data processing method, it comprises the steps: to arrange intelligence and is stuck in the mobile terminal device, and described smart cards for storage has at least one fiscard magnetic track information; Mobile terminal device transmission fiscard magnetic track information and pending data are to server; Server is forwarded to the corresponding data processing terminal with fiscard magnetic track information and pending data; Described data processing terminal is finished the processing of related data and is returned processing result information.Although this patented claim has improved the efficient that finance data is handled in the mobile payment, the smart card that its method needs to store the fiscard magnetic track information is arranged at mobile terminal device, has reduced the fitting percentage of mobile phone, is unfavorable for that large tracts of land promotes the use of.
Summary of the invention
One of purpose of the application is to provide a kind of improved bank card method of payment and system.
An aspect according to the application provides a kind of bank card method of payment, comprising: safe control receives bank card information, holder's identity information and short-message verification sign indicating number; Safe control sends payment request message to safe control front-end system, and described payment request message contains bank's card information, holder's identity information and short-message verification sign indicating number; Safe control front-end system extracts the short-message verification sign indicating number from described payment request message, and it is verified; After the checking of short-message verification sign indicating number was passed through, safe control front-end system was transmitted to bank transaction system with described bank card information and cardholder information; Bank transaction system carries out authentication according to bank card information and the cardholder information transmitted from safe control front-end system; And after authentication was passed through, bank transaction system carried out Trading Authorization.
In above-mentioned bank card method of payment, described safe control is arranged in the mobile intelligent terminal.
In above-mentioned bank card method of payment, described bank card information comprises one or more in bank card number, the term of validity, CVN2 and the password.
In above-mentioned bank card method of payment, described holder's identity information comprises identification card number and/or cell-phone number.
In above-mentioned bank card method of payment, also comprise: after carrying out Trading Authorization, bank transaction system returns to safe control front-end system with transaction results.Afterwards, safe control front-end system returns to safe control with transaction results.At last, safe control is showed transaction results to the holder.
In above-mentioned bank card method of payment, described short-message verification sign indicating number offers the holder by safe control front-end system.
In above-mentioned bank card method of payment, safe control and safe control front-end system adopt the PKI digital envelope to encrypt to carry out direct communication.
In above-mentioned bank card method of payment, safe control front-end system adopts special line to be connected with bank transaction system.
Another aspect according to the application, a kind of bank card paying system also is provided, comprise: the safe control in the mobile intelligent terminal, safe control front-end system and bank transaction system, described safe control adopts the PKI digital envelope to encrypt to carry out direct communication with described safe control front-end system and described safe control front-end system adopts special line to be connected with described bank transaction system, wherein: described safe control is used for receiving bank card information, holder's identity information and short-message verification sign indicating number, and to safe control front-end system transmission payment request message, described payment request message contains bank's card information, holder's identity information and short-message verification sign indicating number; Described safe control front-end system extracts the short-message verification sign indicating number from described payment request message, and it is verified; After the checking of short-message verification sign indicating number was passed through, described safe control front-end system was transmitted to described bank transaction system with described bank card information and cardholder information; Described bank transaction system carries out authentication according to bank card information and the cardholder information transmitted from safe control front-end system; And after authentication was passed through, described bank transaction system carried out Trading Authorization.
Compared with prior art, the application can effectively solve the payment bottleneck of mobile Internet, realize a kind of safe, convenient, need not the modes of payments opening, be easy to promote.
Description of drawings
Fig. 1 is the synoptic diagram according to the bank card paying system of the application's a embodiment;
Fig. 2 is the synoptic diagram according to the bank card method of payment of the application's a embodiment.
Embodiment
What introduce below is a plurality of some in may embodiment of the present invention, aims to provide basic understanding of the present invention, is not intended to confirm key of the present invention or conclusive key element or limits claimed scope.Understand easily, according to technical scheme of the present invention, do not changing under the connotation of the present invention, but one of ordinary skill in the art can propose other implementation of mutual alternative.Therefore, following embodiment and accompanying drawing only are the exemplary illustrations to technical scheme of the present invention, and should not be considered as of the present invention all or be considered as restriction or restriction to technical solution of the present invention.
The application has proposed a kind of based on bank card number, cell-phone number, short-message verification sign indicating number, the term of validity, CVN (Card Verification Number, card confirmation code/security code), checking such as password element information, realize safety, low threshold, high-level efficiency, need not the payment mode opening, easily promote, and support comprehensive, integrated mobile Internet such as mobile-phone payment, IVR (Interactive Voice Response, interactive voice answering) voice payment, TV payment to pay comprehensively.
Fig. 1 is the synoptic diagram according to the bank card paying system of the application's a embodiment.As shown in Figure 1, this bank card paying system comprises the safe control 120 in the mobile intelligent terminal 110, safe control front-end system 130 and bank transaction system 140.And, from Fig. 1, it can also be seen that the outside of safe control front-end system 130 and bank transaction system 140 mobile intelligent terminals 110.Safe control 120 and safe control front-end system 130 direct communications, and without any third party system.
In a concrete realization, safe control 120 is installed in the mobile intelligent terminal 110.The user chooses the article of desire purchase in trade company (for example store, Jingdone district) after, activate the safe control 120 in the mobile intelligent terminal 110.This safe control 120 can be waited to activate by trade company's program, user self.Adopt PKI (Public Key Infrastructure between safe control 120 and the safe control front-end system 130, Public Key Infrastructure) the digital envelope encryption technology realizes the payment information safe transmission, thus effectively take precautions against intercepted, distorted, denied, transaction risk such as fishing.Digital envelope is a PKI application in practice, is to guarantee to have only the specific receiver of regulation could read the content of communicating by letter with encryption technology.In digital envelope, information sender adopts symmetric key to come encrypted content information, then this symmetric key is encrypted (this part claims digital envelope) afterwards with take over party's public-key cryptography, and the information after it and the encryption is sent to the take over party together.The take over party then utilizes corresponding private cipher key to open digital envelope earlier, obtains symmetric key, uses symmetric key to untie enciphered message then.Like this, the authenticity and integrity of data transmission is guaranteed.Equally, for the guarantee information transmission security, can adopt private line access between safe control front-end system 130 and the bank transaction system 140.
In this application, safe control 120 is responsible for collection and the encryption of holder's identity information and payment information.Safe control front-end system 130 is responsible for transaction switching, the management of safe control, trade company's management and system security controls, and verifies the validity of phone number by checking short-message verification sign indicating number.140 responsible holder's authentications of bank transaction system and Trading Authorization.Specifically, safe control 120 is used for receiving bank card information, holder's identity information and short-message verification sign indicating number, and to safe control front-end system 130 transmission payment request message, described payment request message contains bank's card information, holder's identity information and short-message verification sign indicating number.Safe control front-end system 130 extracts the short-message verification sign indicating number from described payment request message, and it is verified.After the checking of short-message verification sign indicating number was passed through, safe control front-end system 130 was transmitted to bank transaction system 140 with described bank card information and cardholder information.Bank transaction system 140 carries out authentication according to bank card information and the cardholder information transmitted from safe control front-end system 130; And after authentication was passed through, bank transaction system 140 carried out Trading Authorization.
In a concrete realization, safe control front-end system 130 is realized as follows " safe control management " mentioned above:
1. before safe control 120 sent payment request message to safe control front-end system 130, safe control 120 sent to safe control front-end system 130 earlier and comprises identification informations such as the ID of its trade company, safe control version number and developer ID;
2. 130 pairs of these identification informations of safe control front-end system are verified;
3. if the verification passes, then allow safe control 120 to send payment request message to it; Otherwise, refuse safe control 120 and send payment request message to it.
In a concrete realization, safe control front-end system 130 is realized as follows " trade company's management " mentioned above:
1. in trade company's tabulation of storing in safe control front-end system, a certain trade company is listed in and is out of favour;
2. determine the safe control related with this trade company;
3. all transaction of safe control front-end system shielding and this safe control.
Fig. 2 is the synoptic diagram according to the bank card method of payment of the application's a embodiment.
In step S210, holder 210 is to safe control 220 input bank card information and holder's identity informations.Be appreciated that bank card information can comprise one or more in bank card number, the term of validity, CVN2 and the password, and holder's identity information can comprise identification card number and/or cell-phone number.
Then, in step S220, holder 210 obtains the short-message verification sign indicating number from safe control front-end system 230.It will be understood by those skilled in the art that the short-message verification sign indicating number can adopt various ways, for example numeral, letter, literal, voice etc. or its combination.In addition, triggering safe control front-end system 230 provides the mode of short-message verification sign indicating number also can have multiple to holder 210, for example holder 210 directly sends SMS message to ask to obtain the short-message verification sign indicating number to safe control front-end system 230, perhaps safe control 220 is transmitted to safe control front-end system 230 with cardholder information, provides the short-message verification sign indicating number thereby trigger safe control front-end system 230 to holder 210.
In step 230, holder 210 is to safe control 220 input short-message verification sign indicating numbers.And in step 240, safe control 220 is submitted the payment request to safe control front-end system 230.In payment request message, comprise bank card information, holder's identity information and short-message verification sign indicating number that holder 210 provides to safe control 220.In a preferred implementation, safe control 220 adopts PKI digital envelope encryption technology to submit the payment request to safe control front-end system 230.Before safe control 220 sent the payment request to safe control front-end system 230, it encrypted bank card information, holder's identity information and short-message verification sign indicating number etc. with symmetric key earlier.Then, it is encrypted this symmetric key with the public-key cryptography of safe control front-end system 230.Subsequently, again the information after encrypted symmetric key and the encryption is sent to safe control front-end system 230 together.Safe control front-end system 230 utilizes private cipher key to decipher to obtain symmetric key, draws bank card information, holder's identity information and short-message verification sign indicating number etc. utilizing this symmetric key to decipher then.Like this, this mode information of can effectively taking precautions against intercepted, distorted, denied, transaction risk such as fishing.
In step S250,230 pairs of short-message verification sign indicating numbers of safe control front-end system are verified.After checking was passed through, in step S260, safe control front-end system 230 was transmitted to bank transaction system 240 with Transaction Information (comprising bank card information, holder's identity information etc.).Shown in step S270, bank transaction system 240 verifies, and checking by after carry out Trading Authorization.At last, in step S280, S290 and S300, transaction results is returned to safe control front-end system 230, safe control 220 and holder 210 successively.
So far, the bank card method of payment introduction according to the application's a embodiment finishes.This method of payment can realize safety, low threshold, high-level efficiency, need not the payment mode opening, easily promote, and can be used for comprehensive, integrated mobile Internet payment such as mobile-phone payment, IVR voice payment, TV payment.
For content that the application is comprised is more clear, below be that example has provided the flow process that realizes secure payment at smart mobile phone with Unionpay cellphones on-line payment product:
1, the holder inputs bank card number, the term of validity (credit card), CVN2 (credit card), password (debit card) and cell-phone number at Unionpay cellphones on-line payment plug-in unit;
2, the holder obtains the short-message verification sign indicating number from front-end system, and at Unionpay cellphones on-line payment plug-in unit input short-message verification sign indicating number;
3, the holder submits the payment request at Unionpay cellphones on-line payment plug-in unit;
4, Unionpay cellphones on-line payment front-end system is verified the validity of phone number by checking short-message verification sign indicating number;
5, Unionpay cellphones on-line payment front-end system is transmitted to Unionpay to transaction does not have the card payment channel, does not have the card payment channel Transaction Information is transmitted to credit card issuer;
6, whether issuing bank checking bank card number exists binding relationship with cell-phone number, verifies after checking is passed through whether the term of validity, CVN2, password correct again, all verify by after honour transaction;
7, issuing bank returns to Unionpay cellphones on-line payment front-end system to transaction results;
8, Unionpay cellphones on-line payment front-end system returns transaction results and gives Unionpay cellphones on-line payment plug-in unit;
9, Unionpay cellphones on-line payment plug-in unit shows payment result.
In the above-described embodiment, Unionpay cellphones on-line payment product utilization Unionpay does not have the cartoon road, in conjunction with payment verification key element and Unionpay's safety certification, embed with the safety insert form in the client product of trade company, the means that realize need not to open, finish with bank card secure payment at mobile phone are provided for the user.
Above example has mainly illustrated the application's bank card method of payment and the realization of system.Although only the some of them specific embodiment is described, those of ordinary skills should understand, and the present invention can be in not departing from its purport and scope implements with many other forms.For instance, the application's method can be in many ways---and hardware, software or way of hardware and software combination realize.
In sum, the application has proposed a kind of finance data processing method, comprising: safe control receives bank card information, holder's identity information and short-message verification sign indicating number and waits for deal with data information; Safe control sends a request message to safe control front-end system, and described request message comprises bank card information, holder's identity information and short-message verification sign indicating number and waits for deal with data information; Safe control front-end system extracts the short-message verification sign indicating number from described request message, and it is verified processing; After the checking of short-message verification sign indicating number was passed through, safe control front-end system was transmitted to bank transaction system with described bank card information and cardholder information; Bank transaction system carries out the data processing according to the bank card information of transmitting from safe control front-end system and cardholder information.
In above-mentioned finance data processing method, described safe control is arranged in the mobile intelligent terminal.
In above-mentioned finance data processing method, described bank card information comprises one or more in bank card number, the term of validity, CVN2 and the password.
In finance data processing method described above, described holder's identity information comprises identification card number and/or cell-phone number.
In above-mentioned finance data processing method, also be included in and carry out after data handle, bank transaction system returns to safe control front-end system with result.
In above-mentioned finance data processing method, also be included in after bank transaction system returns to safe control front-end system with result, safe control front-end system returns to safe control with result.
In above-mentioned finance data processing method, also be included in after safe control front-end system returns to safe control with result, safe control is showed result to the holder.
In above-mentioned finance data processing method, described short-message verification sign indicating number offers the holder by safe control front-end system.
In above-mentioned finance data processing method, safe control and safe control front-end system adopt the PKI digital envelope to encrypt to carry out direct communication.
In above-mentioned finance data processing method, safe control front-end system adopts special line to be connected with bank transaction system.
The above example of showing and embodiment are regarded as illustrative and not restrictive, and under the situation that does not break away from the defined spirit of claim and scope, the application may contain various modifications and replacement.
Claims (19)
1. a bank card method of payment is characterized in that, comprising:
Safe control receives bank card information, holder's identity information and short-message verification sign indicating number;
Safe control sends payment request message to safe control front-end system, and described payment request message contains bank's card information, holder's identity information and short-message verification sign indicating number;
Safe control front-end system extracts the short-message verification sign indicating number from described payment request message, and it is verified;
After the checking of short-message verification sign indicating number was passed through, safe control front-end system was transmitted to bank transaction system with described bank card information and cardholder information;
Bank transaction system carries out authentication according to bank card information and the cardholder information transmitted from safe control front-end system; And
After authentication was passed through, bank transaction system carried out Trading Authorization.
2. bank card method of payment as claimed in claim 1, wherein, described safe control is arranged in the mobile intelligent terminal.
3. bank card method of payment as claimed in claim 1, wherein, described bank card information comprises one or more in bank card number, the term of validity, CVN2 and the password.
4. bank card method of payment as claimed in claim 1, wherein, described holder's identity information comprises identification card number and/or cell-phone number.
5. bank card method of payment as claimed in claim 1 wherein, also comprises:
After carrying out Trading Authorization, bank transaction system returns to safe control front-end system with transaction results.
6. bank card method of payment as claimed in claim 5 wherein, also comprises:
After bank transaction system returned to transaction results safe control front-end system, safe control front-end system returned to safe control with transaction results.
7. bank card method of payment as claimed in claim 6 wherein, also comprises:
After safe control front-end system returned to safe control with transaction results, safe control was showed transaction results to the holder.
8. bank card method of payment as claimed in claim 1, wherein, described short-message verification sign indicating number offers the holder by safe control front-end system.
9. bank card method of payment as claimed in claim 1, wherein, safe control and safe control front-end system adopt the PKI digital envelope to encrypt to carry out direct communication, and safe control front-end system manages safe control.
10. bank card method of payment as claimed in claim 1, wherein, safe control front-end system adopts special line to be connected with bank transaction system.
11. bank card paying system, it is characterized in that, comprise: the safe control in the mobile intelligent terminal, safe control front-end system and bank transaction system, described safe control adopts the PKI digital envelope to encrypt to carry out direct communication with described safe control front-end system and described safe control front-end system adopts special line to be connected with described bank transaction system, wherein:
Described safe control is used for receiving bank card information, holder's identity information and short-message verification sign indicating number, and to safe control front-end system transmission payment request message, described payment request message contains bank's card information, holder's identity information and short-message verification sign indicating number;
Described safe control front-end system extracts the short-message verification sign indicating number from described payment request message, and it is verified; After the checking of short-message verification sign indicating number was passed through, described safe control front-end system was transmitted to described bank transaction system with described bank card information and cardholder information;
Described bank transaction system carries out authentication according to bank card information and the cardholder information transmitted from safe control front-end system; And after authentication was passed through, described bank transaction system carried out Trading Authorization.
12. bank card paying system as claimed in claim 11, wherein, described bank card information comprises one or more in bank card number, the term of validity, CVN2 and the password.
13. bank card paying system as claimed in claim 11, wherein, described holder's identity information comprises identification card number and/or cell-phone number.
14. bank card paying system as claimed in claim 11, wherein, after carrying out Trading Authorization, described bank transaction system returns to described safe control front-end system with transaction results.
15. bank card paying system as claimed in claim 14, wherein, after described bank transaction system returned to transaction results described safe control front-end system, described safe control front-end system returned to described safe control with transaction results.
16. bank card paying system as claimed in claim 15, wherein, after described safe control front-end system returned to transaction results described safe control, described safe control was showed transaction results to the holder.
17. bank card paying system as claimed in claim 11, wherein, described short-message verification sign indicating number offers the holder by described safe control front-end system.
18. safe control front-end system carries out the method that trade company manages in the bank card paying system, comprising:
In trade company's tabulation of storing in safe control front-end system, a certain trade company is listed in and is out of favour;
Determine the safe control related with this trade company;
All transaction of safe control front-end system shielding and this safe control.
19. safe control front-end system carries out the method for trade company's management in the bank card paying system as claimed in claim 18, also comprises: after mask steps, safe control front-end system upgrades its trade company's tabulation.
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| CN2011104608027A CN103186857A (en) | 2011-12-31 | 2011-12-31 | Bank card payment method and system |
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| CN2011104608027A CN103186857A (en) | 2011-12-31 | 2011-12-31 | Bank card payment method and system |
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Application publication date: 20130703 |