CN103870958A - Mobile payment method and mobile payment exclusive device - Google Patents
Mobile payment method and mobile payment exclusive device Download PDFInfo
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- CN103870958A CN103870958A CN201210541013.0A CN201210541013A CN103870958A CN 103870958 A CN103870958 A CN 103870958A CN 201210541013 A CN201210541013 A CN 201210541013A CN 103870958 A CN103870958 A CN 103870958A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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- Theoretical Computer Science (AREA)
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- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a mobile terminal payment method and a mobile payment exclusive device. The method comprises: the mobile payment exclusive device receives transaction information, the mobile payment exclusive device performs digital signing on the transaction information, and the mobile payment exclusive device transmits the transaction information and the digital signature to a financial transaction system through an intelligent terminal. The invention guarantees the safety of the mobile payment.
Description
Technical field
The present invention relates to mobile payment field, relate in particular to a kind of method of mobile payment and mobile payment specialized equipment.
Background technology
Along with the fast development of computer technology, internet and development of Mobile Internet technology, domestic group of enterprises, government bodies and financial institution is all utilizing network to set up a network channel fast and efficiently between own and masses, for people provide various application service.
Due to the popularization in enormous quantities of smart mobile phone, and people are urgent for the demand of move transaction, and oneself releases the business such as Mobile banking, mobile payment financial institution, and user can directly complete the multinomial business of financial transaction system by intelligent terminal.But the design philosophy of existing intelligent terminal itself is originally non-is the financial transaction being exclusively used on network, the operating system that it is corresponding and device composition all exist security hole, have brought huge security threat and risk to thus finance business on network system.
Summary of the invention
The invention provides a kind of method of mobile payment and mobile payment specialized equipment, to solve the technical matters that how to ensure mobile payment security.
For solving the problems of the technologies described above, the invention provides a kind of method of mobile payment, described method comprises:
Receive Transaction Information by mobile payment specialized equipment;
By described mobile payment specialized equipment, described Transaction Information is carried out to digital signature;
By described mobile payment specialized equipment, described Transaction Information and digital signature thereof are sent to financial transaction system by intelligent terminal.
Further, the described step by mobile payment specialized equipment reception Transaction Information comprises:
The multi-exchange payment terminal being arranged by self by mobile payment specialized equipment receives Transaction Information;
Described multi-exchange payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal.
Further, the step that by described mobile payment specialized equipment, described Transaction Information and digital signature thereof is sent to financial transaction system by intelligent terminal comprises:
Described mobile payment specialized equipment and intelligent terminal connect;
Described mobile payment specialized equipment and intelligent terminal carry out key authentication by the connection of setting up, and after described key authentication passes through, described Transaction Information and digital signature thereof are sent to described intelligent terminal by described mobile payment specialized equipment.
Further, the step that described mobile payment specialized equipment and intelligent terminal carry out key authentication by the connection of setting up comprises:
Mobile payment specialized equipment is determined financial transaction system according to Transaction Information, and notifies described intelligent terminal by this financial transaction system by the connection of setting up;
Described intelligent terminal is selected the key corresponding with this financial transaction system from the multiple and key that different financial transaction systems are corresponding of self storage, and the equipment unique identification obtaining according to this key and from mobile payment specialized equipment calculates numerical information, and this numerical information is sent to described mobile payment specialized equipment;
Mobile payment specialized equipment compares with self this numerical information according to the key corresponding with financial transaction system, the numerical information that equipment unique identification calculates, if the two is identical, certification is passed through.
Further, described method also comprises:
Before mobile payment specialized equipment receives Transaction Information, also carry out legal identity checking;
After mobile payment specialized equipment identity verification is legal, just receive the input of Transaction Information.
For solving the problems of the technologies described above, the present invention also provides a kind of mobile payment specialized equipment, and described equipment comprises: Transaction Information acquisition module, safety function module and communication module, wherein,
Described Transaction Information acquisition module, for obtaining Transaction Information, and is sent to safety function module and communication module by the Transaction Information obtaining;
Described safety function module, for described Transaction Information is carried out to digital signature, and is sent to described communication module by this digital signature;
Described communication module, for being sent to financial transaction system by described Transaction Information and its digital signature by intelligent terminal.
Further, described Transaction Information acquisition module, comprises for obtaining Transaction Information:
Described Transaction Information acquisition module, for multi-exchange payment terminal is provided, and receives Transaction Information by described multi-exchange payment terminal; Described multiple payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal.
Further:
Described communication module for connecting with intelligent terminal, and carries out key authentication with intelligent terminal in the connection of setting up; After described key authentication passes through, described Transaction Information and its digital signature are sent to financial transaction system by intelligent terminal.
Further, described communication module, comprises for carrying out key authentication with intelligent terminal in the connection setting up:
Described communication module, for determine the financial transaction mechanism that processes this Transaction Information according to Transaction Information, this financial transaction mechanism is sent to described intelligent terminal by the connection of setting up, and calculates numerical information according to the key corresponding with this financial transaction system, this equipment unique identification; The numerical information that the definite cipher key calculation of the financial transaction mechanism that utilizes its reception that this numerical information and intelligent terminal are returned obtains compares, if the two is identical, certification is passed through.
Further, described equipment also comprises authentication module,
Described authentication module for the legal identity checking to user, and is notified described Transaction Information load module after being verified;
Described Transaction Information load module, for receiving after described notice, allows the input of Transaction Information.
Technique scheme operates the transaction being completed by intelligent terminal in existing mobile payment technology to transfer to mobile payment specialized equipment to complete, and ensures mobile payment security by the specificity of mobile payment specialized equipment.
Brief description of the drawings
Fig. 1 is the method for mobile payment process flow diagram of the present embodiment;
Fig. 2 is the mobile payment specialized equipment composition diagram of the present embodiment;
Fig. 3 is the mobile payment specialized equipment composition diagram of this application example.
Embodiment
For making the object, technical solutions and advantages of the present invention clearer, hereinafter in connection with accompanying drawing, embodiments of the invention are elaborated.It should be noted that, in the situation that not conflicting, the combination in any mutually of the feature in embodiment and embodiment in the application.
Fig. 1 is the method for mobile payment process flow diagram of the present embodiment.
S101 receives Transaction Information by mobile payment specialized equipment;
Mobile payment specialized equipment can provide multi-exchange payment terminal to select for user, as magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal or stored value card payment terminal; User can be by these transaction payment ports to mobile payment specialized equipment input Transaction Information; Described Transaction Information at least needs to comprise payment account and payment, also can comprise payment cipher; As, stored value card payment terminal provides the input window of electronic account, password and payment for user; ; Magnetic stripe card payment terminal is the card reader that user is provided for swiping the card, and the input window of payment;
For ensureing the security of mobile payment, this mobile payment device can, receiving before user's input operation, carry out legitimate verification to user's identity; Only, after mobile payment specialized equipment confirms that user identity is legal, just allow user to input Transaction Information.The method of mobile payment device identifying user identity has a lot, as password authentication, fingerprint authentication etc.;
For ensureing the security of mobile payment, mobile payment specialized equipment is getting after Transaction Information, this Transaction Information can be shown to user again, is confirmed whether to carry out following single stepping by user;
S102 carries out digital signature by described mobile payment specialized equipment to described Transaction Information;
S103 is sent to financial transaction system by described Transaction Information and digital signature thereof by intelligent terminal by described mobile payment specialized equipment;
In step S103, first mobile payment specialized equipment connects with intelligent terminal, and the mode that described mobile payment specialized equipment connects with intelligent terminal is connected for (being not limited to): WIFI, bluetooth connects, near-field communication (NFC) connects, earphone connects or USB connects;
Connecting after foundation, mobile payment specialized equipment and intelligent terminal carry out key authentication by the connection of setting up; The method of key authentication can singly be carried out internal authentication and external authentication by intelligent terminal, or is coordinated and authenticated by intelligent terminal and mobile payment specialized equipment; Intelligent terminal and mobile payment specialized equipment coordinate the step authenticating to be:
Step 1: mobile payment specialized equipment is determined the financial transaction system of processing this Transaction Information according to Transaction Information, and notify described intelligent terminal by definite financial transaction system by the connection of setting up;
Intelligent terminal obtains equipment unique identification by the connection of setting up from mobile payment specialized equipment;
Step 2: intelligent terminal is selected the key corresponding with this financial transaction system from the multiple and key that different financial transaction systems are corresponding of self storage;
Step 3: the key that intelligent terminal is selected according to step 2, the equipment unique identification that step 1 is obtained calculate numerical information;
Step 4: this numerical information is sent to mobile payment specialized equipment by intelligent terminal;
Step 5: mobile payment specialized equipment is selected the key corresponding with this financial transaction system equally from the multiple and key that different financial transaction systems are corresponding of self storage; According to this key and this device identification, calculate a numerical information; Whether the numerical information that the comparison self of mobile payment specialized equipment calculates is identical with the numerical information from intelligent terminal receiving, if identical, certification is passed through.
After described key authentication passes through, described Transaction Information and digital signature thereof are sent to described intelligent terminal by described mobile payment specialized equipment; Intelligent terminal receives after Transaction Information, also can show this Transaction Information thereon, and allows user to be confirmed whether Transaction Information to continue to be sent to financial transaction system;
Intelligent terminal is sent to financial transaction system by Transaction Information and digital signature thereof by the escape way of setting up with financial transaction system; This escape way can be the SSL passage in current conventional P KI technology, and setting up the required digital certificate of SSL passage and key can be digital certificate and the private key that is kept at the user on mobile payment specialized equipment.
In order to make user know transaction results, financial transaction system can be back to intelligent terminal by result and digital signature thereof after the Transaction Information receiving and its digital signature are verified and processed; Again this result and digital signature thereof are sent to Mobile payment terminal by intelligent terminal.
Fig. 2 is the mobile payment specialized equipment composition diagram of the present embodiment.
This equipment comprises Transaction Information acquisition module, safety function module and communication module, wherein,
Described Transaction Information acquisition module, for obtaining Transaction Information, and is sent to safety function module and communication module by the Transaction Information obtaining;
Transaction Information load module described in this, for multi-exchange payment terminal is provided, and receives Transaction Information by described multi-exchange payment terminal; Described multiple payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal;
Described safety function module, for described Transaction Information is carried out to digital signature, and is sent to described communication module by this digital signature;
Described communication module, for being sent to financial transaction system by described Transaction Information and its digital signature by intelligent terminal;
This communication module, for connecting with intelligent terminal, connects the mode of setting up and comprises that WIFI connects, and bluetooth connects, and near-field communication (NFC) connects, earphone connects or USB connects; And carry out key authentication with intelligent terminal in the connection of setting up; After described key authentication passes through, described Transaction Information and its digital signature are sent to financial transaction system by intelligent terminal.
For ensureing security, the said equipment also can comprise authentication module, for the legal identity checking to user, and after being verified, notifies described Transaction Information load module; Transaction Information load module, for receiving after described notice, allows the input of Transaction Information.
Fig. 3 is the mobile payment specialized equipment composition diagram of this application example.
This specialized equipment comprises Transaction Information acquisition module, safety function module, communication module, authentication module and master controller; Wherein,
Master controller, is the central processing unit of mobile payment specialized equipment, can adopt the safe SOC chip of height based on 8 or above risc processor, as Z8D168U chip of the STM32 chip of the ST of ST Microelectronics or national technology company etc.;
Authentication module, under the control of described master controller, when this mobile payment specialized equipment transfers duty to from holding state, or while transferring power-up state to from power-down state, verifies user identity; And after being verified, notify described master controller; The method of identifying user identity comprises that password authentication is with finger print identifying;
Transaction Information acquisition module under the control of described master controller, obtains Transaction Information, and the Transaction Information obtaining is sent to communication module and safety function module by master controller in the time that user identity is legal;
Described safety function module, carries out digital signature for the Transaction Information under the control of described master controller, described Transaction Information acquisition module being obtained, and this digital signature is sent to communication module;
Described communication module, for being sent to financial transaction system by the Transaction Information receiving and signature thereof by intelligent terminal under the control of described master controller.
Above-mentioned Transaction Information acquisition module comprises: pay submodule, button submodule, display sub-module, sub module stored and image reading submodule, wherein:
Pay submodule, multi-exchange payment terminal is provided, and receive Transaction Information by described multi-exchange payment terminal; Described multiple payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal; As, stored value card payment terminal provides the input window of electronic account, password and payment for user; Magnetic stripe card payment terminal is the card reader that user is provided for swiping the card, and the input window of payment; Pay submodule the Transaction Information of reception is sent to sub module stored;
Image reading submodule, for reading Transaction Information from image (as bar code, Quick Response Code), and is sent to sub module stored by this Transaction Information;
Button submodule, is used to user that the function by keyboard input information is provided; As, user can be inputed to Transaction Information to pay input window that in submodule, correlation unit provides etc. by this button submodule;
Display sub-module, for showing information to user; This information can be the Transaction Information of sub module stored storage;
Sub module stored, the Transaction Information obtaining for store transaction acquisition of information module, and under the control of master controller, the Transaction Information of storage is sent to security module.
Above-mentioned safety function module comprises: digital signature submodule, digital certificate submodule, key management submodule:
Digital signature submodule, for obtaining digital certificate from digital certificate submodule, obtain the private key of this mobile payment specialized equipment from key management module, utilize this digital certificate and private key to carry out digital signature to the Transaction Information from above-mentioned sub module stored storage, and this digital signature is sent to communication module;
Digital certificate submodule, for storing the digital certificate of this mobile payment specialized equipment;
Key management submodule, for managing the private key of mobile payment specialized equipment, and key corresponding to multiple and different financial transaction systems.
Above-mentioned communication module comprises that wifi linkage unit, bluetooth linkage unit, earphone connect compound, USB linkage unit and NFC linkage unit; Each linkage unit is set up by corresponding interconnection technique and intelligent terminal, and uploads Transaction Information and the digital signature thereof of reception to intelligent terminal.
One of ordinary skill in the art will appreciate that all or part of step in said method can carry out instruction related hardware by program and complete, described program can be stored in computer-readable recording medium, as ROM (read-only memory), disk or CD etc.Alternatively, all or part of step of above-described embodiment also can realize with one or more integrated circuit, and correspondingly, the each module/unit in above-described embodiment can adopt the form of hardware to realize, and also can adopt the form of software function module to realize.The present invention is not restricted to the combination of the hardware and software of any particular form.
It should be noted that; the present invention also can have other various embodiments; in the situation that not deviating from spirit of the present invention and essence thereof; those of ordinary skill in the art can make according to the present invention various corresponding changes and distortion, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.
Claims (10)
1. a method of mobile payment, is characterized in that, described method comprises:
Receive Transaction Information by mobile payment specialized equipment;
By described mobile payment specialized equipment, described Transaction Information is carried out to digital signature;
By described mobile payment specialized equipment, described Transaction Information and digital signature thereof are sent to financial transaction system by intelligent terminal.
2. the method for claim 1, is characterized in that, the described step by mobile payment specialized equipment reception Transaction Information further comprises:
The multi-exchange payment terminal being arranged by self by mobile payment specialized equipment receives Transaction Information;
Described multi-exchange payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal.
3. the method for claim 1, is characterized in that, the step that described Transaction Information and digital signature thereof is sent to financial transaction system by intelligent terminal by described mobile payment specialized equipment further comprises:
Described mobile payment specialized equipment and intelligent terminal connect;
Described mobile payment specialized equipment and intelligent terminal carry out key authentication by the connection of setting up, and after described key authentication passes through, described Transaction Information and digital signature thereof are sent to described intelligent terminal by described mobile payment specialized equipment.
4. method as claimed in claim 3, is characterized in that, the step that described mobile payment specialized equipment and intelligent terminal carry out key authentication by the connection of setting up further comprises:
Mobile payment specialized equipment is determined financial transaction system according to Transaction Information, and notifies described intelligent terminal by this financial transaction system by the connection of setting up;
Described intelligent terminal is selected the key corresponding with this financial transaction system from the multiple and key that different financial transaction systems are corresponding of self storage, and the equipment unique identification obtaining according to this key and from mobile payment specialized equipment calculates numerical information, and this numerical information is sent to described mobile payment specialized equipment;
Mobile payment specialized equipment compares with self this numerical information according to the key corresponding with financial transaction system, the numerical information that equipment unique identification calculates, if the two is identical, certification is passed through.
5. the method as described in any one in claim 1~4, is characterized in that, described method also comprises:
Before mobile payment specialized equipment receives Transaction Information, also carry out legal identity checking;
After mobile payment specialized equipment identity verification is legal, just receive the input of Transaction Information.
6. a mobile payment specialized equipment, is characterized in that, described equipment comprises: Transaction Information acquisition module, safety function module and communication module, wherein,
Described Transaction Information acquisition module, for obtaining Transaction Information, and is sent to safety function module and communication module by the Transaction Information obtaining;
Described safety function module, for described Transaction Information is carried out to digital signature, and is sent to described communication module by this digital signature;
Described communication module, for being sent to financial transaction system by described Transaction Information and its digital signature by intelligent terminal.
7. equipment as claimed in claim 6, is characterized in that, described Transaction Information acquisition module further comprises for obtaining Transaction Information:
Described Transaction Information acquisition module, for multi-exchange payment terminal is provided, and receives Transaction Information by described multi-exchange payment terminal; Described multiple payment terminal comprises: magnetic stripe card payment terminal, IC-card payment terminal, radio-frequency (RF) identification (RFID) payment terminal and stored value card payment terminal.
8. equipment as claimed in claim 6, is characterized in that, described equipment further comprises:
Described communication module for connecting with intelligent terminal, and carries out key authentication with intelligent terminal in the connection of setting up; After described key authentication passes through, described Transaction Information and its digital signature are sent to financial transaction system by intelligent terminal.
9. equipment as claimed in claim 8, is characterized in that, described communication module further comprises for carrying out key authentication with intelligent terminal in the connection setting up:
Described communication module, for determine the financial transaction mechanism that processes this Transaction Information according to Transaction Information, this financial transaction mechanism is sent to described intelligent terminal by the connection of setting up, and calculates numerical information according to the key corresponding with this financial transaction system, this equipment unique identification; The numerical information that the definite cipher key calculation of the financial transaction mechanism that utilizes its reception that this numerical information and intelligent terminal are returned obtains compares, if the two is identical, certification is passed through.
10. the equipment as described in claim 6~9, is characterized in that, described equipment also comprises authentication module,
Described authentication module for the legal identity checking to user, and is notified described Transaction Information load module after being verified;
Described Transaction Information load module, for receiving after described notice, allows the input of Transaction Information.
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CN104123645A (en) * | 2014-07-15 | 2014-10-29 | 北京金科联信数据科技有限公司 | Financial security authentication based mobile Internet intelligent payment terminal and payment system |
CN105590206A (en) * | 2014-11-26 | 2016-05-18 | ***股份有限公司 | Method for verifying terminal authenticity in electronic cash transaction |
CN108596620A (en) * | 2018-04-27 | 2018-09-28 | 北京华大智宝电子***有限公司 | A kind of endorsement method and device |
CN111815318A (en) * | 2020-06-17 | 2020-10-23 | 衡水海博云科技有限公司 | Equipment, system and method for aggregated payment |
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CN105590206B (en) * | 2014-11-26 | 2020-10-23 | ***股份有限公司 | Method for verifying terminal authenticity in electronic cash transaction |
CN108596620A (en) * | 2018-04-27 | 2018-09-28 | 北京华大智宝电子***有限公司 | A kind of endorsement method and device |
CN111815318A (en) * | 2020-06-17 | 2020-10-23 | 衡水海博云科技有限公司 | Equipment, system and method for aggregated payment |
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