CN105868980A - Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction - Google Patents
Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction Download PDFInfo
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- CN105868980A CN105868980A CN201610190621.XA CN201610190621A CN105868980A CN 105868980 A CN105868980 A CN 105868980A CN 201610190621 A CN201610190621 A CN 201610190621A CN 105868980 A CN105868980 A CN 105868980A
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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
- G06Q20/3278—RFID or NFC 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/401—Transaction verification
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Abstract
The embodiment of the invention discloses payment equipment based on the HCE technology of NFC in the standard of ministry of construction to solve the problem of the need of replacing terminal equipment hardware in the existing virtual card technology. The payment equipment comprises a payment term obtaining module for obtaining a current payment term according to external near field data, a payment module for completing payment according to the current payment term through the SDK unit in the terminal equipment, a payment record uploading module for uploading the payment record of the terminal equipment to a cloud payment platform in a state that the terminal equipment and the cloud payment platform based on the HCE technology are linked such that the cloud payment platform completes deduction processing for the account corresponding to the terminal equipment according to the payment record, and a deduction receipt forwarding module for forwarding the deduction receipt from the cloud payment platform to an SDK unit. The embodiment of the invention also provides a payment method based on the HCE technology of NFC in the standard of ministry of construction.
Description
Technical field
The present invention relates to mobile payment field, particularly relate to HCE technology based on NFC and mark in the firmly portion of building
Accurate payment devices and method of payment.
Background technology
NFC (Near Field Communication), i.e. near-field communication, is the noncontact of a kind of short distance high frequency
Formula identification and transmission technology.NFC technique compares simple to operate, pairing quickly with bluetooth, and RFID skill
Art compare applied widely, readable writeable, can be directly integrated in mobile phone, compare data with infrared ray
Transmission is very fast, safety is high, energy consumption low (can read without electricity), compares with Quick Response Code and identifies quick, information
Type is various.NFC technique is applicable to a lot of scene, such as mobile payment, mass transit card, access card, car
The transmission of ticket admission ticket, file, electronic business card, game pairings, smart poster etc..
At present, it is achieved firmly build the city of ministerial standard and lead to the virtual card technology that card uses and be mainly NFC SWP,
But the virtual card technology that NFC SWP realizes needs terminal unit (such as mobile phone) original SIM
It is replaced by SWP SIM, just can carry out paying using after changing terminal device hardware, be unfavorable for firmly building
The city of ministerial standard leads to popularization and the use of card.
Summary of the invention
Embodiments provide HCE technology based on NFC firmly build ministerial standard payment devices and
Method of payment, it is possible to solve the problem that existing virtual card technology needs to change terminal device hardware.
A kind of based on NFC HCE technology that the embodiment of the present invention provides sets in the payment firmly building ministerial standard
Standby, including:
Obtaining payment terms module, for obtaining current payment terms according to outside Near-field Data, described outside is near
Field data is collected by the terminal unit being configured with NFC chip；
Payment module, for completing to prop up according to described current payment terms by the SDK unit on terminal unit
Pay；
Transmission module in payment record, at described terminal unit and cloud payment platform based on HCE technology
Under on line state, the payment record of described terminal unit is uploaded to described cloud payment platform so that described
Cloud payment platform is that the account that described terminal unit is corresponding completes process of withholing according to described payment record；
Withhold receipt forwarding module, described for the receipt of withholing from described cloud payment platform is transmitted to
SDK unit.
Alternatively, described terminal unit is bound in advance with described cloud payment platform；
SDK unit on described terminal unit includes: bind request subelement, for paying to described cloud
Platform sends bind request；
Described cloud payment platform includes:
Correction verification module, for the user data transmission in described bind request is verified to banking system,
And receive the check results fed back from described banking system；
Open an account module, if for the check results of described correction verification module for passing through, being then described terminal unit
Open the account of correspondence；
TOKEN generation module, for generating corresponding TOKEN for described terminal unit and sending to institute
State SDK unit；
Open an account information reporting module, report opening an account of described terminal unit for leading to card background system to city
Information.
Alternatively, described SDK unit also includes: request subelement deposited by circle, flat for paying to described cloud
Platform sends circle and deposits request；
Described cloud payment platform also includes:
Deduction application module, is used for receiving after described circle deposits request, withholds to banking system application；
Supplement module with money, for after the success message of withholing receiving described banking system feedback, for described
The account that terminal unit is corresponding supplements process accordingly with money；
Feedback module, be used for described in supplement module with money and supplement with money after process completes, return circle to described SDK unit
Deposit success message.
Alternatively, described TOKEN generation module specifically includes:
To key lead-out unit, for deriving asymmetrical PKI and private key from encryption equipment；
Public key encryption unit, is used for described public key encryption according to the security strategy bag preset, obtains described
TOKEN；
Encrypted transmission unit, is used for described TOKEN and described safe plan by CA certificate encrypted tunnel
Slightly bag sends to described SDK unit.
Alternatively, described SDK unit also includes: payment information encryption sub-unit operable, for mono-at SDK
During unit pays according to described current payment terms, use described TOKEN that payment information is carried out
Encryption；
Described payment information encryption sub-unit operable specifically includes:
Deciphering secondary units, for described TOKEN being decrypted according to described security strategy bag, and
The internal memory of chip operating system obtains described PKI；
Encryption secondary units, for the payment information using described PKI pair to carry out with described current payment terms
Encryption, until completing to pay.
A kind of based on NFC HCE technology that the embodiment of the present invention provides is in the payer firmly building ministerial standard
Method, including:
Obtaining current payment terms according to outside Near-field Data, described outside Near-field Data is by being configured with NFC core
The terminal unit of sheet collects；
Complete to pay according to described current payment terms by the SDK unit on terminal unit；
Under described terminal unit with cloud payment platform on line state based on HCE technology, by described terminal
The payment record of equipment is uploaded to described cloud payment platform so that described cloud payment platform is according to described payment
It is recorded as account corresponding to described terminal unit and completes process of withholing；
Receipt of withholing from described cloud payment platform is transmitted to described SDK unit.
Alternatively, complete to pay it according to described current payment terms by the SDK unit on terminal unit
Before, controlling described SDK unit and bind with described cloud payment platform, bindings specifically includes:
SDK unit on described terminal unit sends bind request to described cloud payment platform；
User data transmission in described bind request is carried out school to banking system by described cloud payment platform
Test, and receive the check results fed back from described banking system；
If described check results is for passing through, the most described cloud payment platform is that described terminal unit opens correspondence
Account；
Described cloud payment platform is that described terminal unit generates corresponding TOKEN and sends to described SDK
Unit；
Described cloud payment platform leads to card background system and reports the information of opening an account of described terminal unit to city.
Alternatively, complete to pay it according to described current payment terms by the SDK unit on terminal unit
Before, described method of payment also includes:
Described SDK unit sends circle to described cloud payment platform and deposits request；
Described cloud payment platform receives after described circle deposits request, withholds to banking system application；
Described cloud payment platform is after the success message of withholing receiving described banking system feedback, for described
The account that terminal unit is corresponding supplements process accordingly with money；
Supplementing with money after process completes, described cloud payment platform returns circle to described SDK unit and deposits success message.
Alternatively, described cloud payment platform is that described terminal unit generates corresponding TOKEN and sends to institute
State SDK unit to specifically include:
Described cloud payment platform derives asymmetrical PKI and private key from encryption equipment；
Described cloud payment platform by described public key encryption, obtains described according to the security strategy bag preset
TOKEN；
Described cloud payment platform passes through CA certificate encrypted tunnel by described TOKEN and described security strategy bag
Send to described SDK unit.
Alternatively, during SDK unit pays according to described current payment terms, described SDK
Unit uses described TOKEN to be encrypted payment information, specifically includes:
Described TOKEN is decrypted by described SDK unit according to described security strategy bag, and in sheet
The internal memory of operating system obtains described PKI；
Described SDK unit uses the payment information encryption that described PKI pair and described current payment terms are carried out,
Until completing to pay.
As can be seen from the above technical solutions, the embodiment of the present invention has the advantage that
In the embodiment of the present invention, first, obtain payment terms module and obtain current according to outside Near-field Data
Creditor side, described outside Near-field Data is collected by the terminal unit being configured with NFC chip；Then, prop up
Pay module to complete to pay according to described current payment terms by the SDK unit on terminal unit；Then, exist
Under described terminal unit and cloud payment platform on line state based on HCE technology, transmission module in payment record
The payment record of described terminal unit is uploaded to described cloud payment platform so that described cloud payment platform root
It is that the account that described terminal unit is corresponding completes process of withholing according to described payment record；Finally, withhold receipt
Receipt of withholing from described cloud payment platform is transmitted to described SDK unit by forwarding module.In the present invention
In embodiment, complete to pay by the SDK unit of terminal unit, only need to be by payment record after payment
Pass to cloud payment platform, then completed, by cloud payment platform, process of withholing, indirectly by the duty of safety verification
Appoint and give cloud payment platform, it is not necessary to verified by the security module of hardware and can complete to pay, broken away from hard
Popularization and the use of card is led in the restriction of part security module, beneficially city.
Accompanying drawing explanation
Fig. 1 be in the embodiment of the present invention HCE technology based on NFC at the payment devices firmly building ministerial standard
One example structure figure；
Fig. 2 be in the embodiment of the present invention HCE technology based on NFC at the payment devices firmly building ministerial standard
Another example structure figure；
Fig. 3 be in the embodiment of the present invention HCE technology based on NFC in the method for payment firmly building ministerial standard
One embodiment flow chart；
Fig. 4 is TOKEN transmission and the schematic diagram of storage mode in the embodiment of the present invention；
Fig. 5 is that in the embodiment of the present invention, the multiterminal of terminal unit and cloud payment platform binding procedure are illustrated alternately
Figure；
Fig. 6 is the mutual schematic diagram of multiterminal that in the embodiment of the present invention, terminal unit carries out that account circle is deposited；
Fig. 7 is that in the embodiment of the present invention, terminal unit carries out off line and pays and the showing alternately of online process of withholing
It is intended to.
Detailed description of the invention
Embodiments provide HCE technology based on NFC firmly build ministerial standard payment devices and
Method of payment, for solving the problem that existing virtual card technology needs to change terminal device hardware.
For making the goal of the invention of the present invention, feature, the advantage can be the most obvious and understandable, below will
In conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground describes, it is clear that the embodiments described below are only a part of embodiment of the present invention, and not all
Embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creativeness
The all other embodiments obtained under work premise, broadly fall into the scope of protection of the invention.
Referring to Fig. 1, in the embodiment of the present invention, a kind of HCE technology based on NFC is firmly building ministerial standard
One embodiment of payment devices includes:
Obtaining payment terms module 101, for obtaining current payment terms according to outside Near-field Data, this outside is near
Field data is collected by the terminal unit being configured with NFC chip；
Payment module 102, for by SDK (the Soft Development Kit) unit on terminal unit
Complete to pay according to this current payment terms；
Transmission module 103 in payment record, at this terminal unit and based on HCE (Host Card
Emulation), under the cloud payment platform on line state of technology, the payment record of this terminal unit is uploaded to
This cloud payment platform so that this cloud payment platform is the account that this terminal unit is corresponding according to this payment record
Complete process of withholing；
Withhold receipt forwarding module 104, for the receipt of withholing from this cloud payment platform is transmitted to this
SDK unit.
It should be noted that this payment devices can be built on this terminal unit realization in the present embodiment,
I.e. payment process is the interaction of terminal unit and cloud payment platform.
In the present embodiment, first, obtain payment terms module 101 and obtain current according to outside Near-field Data
Creditor side, this outside Near-field Data is collected by the terminal unit being configured with NFC chip；Then, pay
Module 102 completes to pay according to this current payment terms by the SDK unit on terminal unit；Then, exist
Under this terminal unit and cloud payment platform on line state based on HCE technology, transmission module 103 in payment record
The payment record of this terminal unit is uploaded to this cloud payment platform so that this cloud payment platform is according to this
Pay and be recorded as account corresponding to this terminal unit and complete process of withholing；Finally, withhold receipt forwarding module 104
Receipt of withholing from this cloud payment platform is transmitted to this SDK unit.In the present embodiment, by end
The SDK unit of end equipment completes to pay, and only payment record need to be uploaded to after payment cloud payment platform,
Then completed, by cloud payment platform, process of withholing, indirectly give cloud payment platform by the responsibility of safety verification,
Without completing to pay by the checking of the security module of hardware, break away from the restriction of hardware security module,
City is conducive to lead to popularization and the use of card.
For ease of understanding, below a kind of based on NFC the HCE technology in the embodiment of the present invention is being lived
The payment devices building ministerial standard is described in detail, and refers to Fig. 2, in the embodiment of the present invention a kind of based on
The HCE technology of NFC includes in another embodiment of payment devices firmly building ministerial standard:
Obtaining payment terms module 201, for obtaining current payment terms according to outside Near-field Data, this outside is near
Field data is collected by the terminal unit being configured with NFC chip；
Payment module 202, for completing according to this current payment terms by the SDK unit on terminal unit
Pay；
Transmission module 203 in payment record, for paying flat at this terminal unit and cloud based on HCE technology
Under platform on line state, the payment record of this terminal unit is uploaded to this cloud payment platform so that this cloud props up
Paying platform is that the account that this terminal unit is corresponding completes process of withholing according to this payment record；
Withhold receipt forwarding module 204, for the receipt of withholing from this cloud payment platform is transmitted to this
SDK unit.
It should be noted that this payment devices can be built on this terminal unit realization in the present embodiment,
I.e. payment process is the interaction of terminal unit and cloud payment platform.
Preferably, this terminal unit is bound in advance with this cloud payment platform；
SDK unit on this terminal unit may include that bind request subelement 205, for this cloud
Payment platform sends bind request；
This cloud payment platform may include that
Correction verification module 206, for carrying out school by the user data transmission in this bind request to banking system
Test, and receive the check results fed back from this banking system；
Open an account module 207, if for the check results of this correction verification module for passing through, then opening for this terminal unit
Logical corresponding account；
TOKEN generation module 208, for generating corresponding TOKEN for this terminal unit
(TOKENICE pays labelling) also sends to this SDK unit；
Open an account information reporting module 209, report opening an account of this terminal unit for leading to card background system to city
Information.
This SDK unit can also include: request subelement 210 deposited by circle, for sending out to this cloud payment platform
Circle is sent to deposit request；
This cloud payment platform can also include:
Deduction application module 211, is used for receiving after this circle deposits request, withholds to banking system application；
Supplement module 212 with money, for after the success message of withholing receiving this banking system feedback, whole for this
The account that end equipment is corresponding supplements process accordingly with money；
Feedback module 213, supplements module with money for this and supplements with money after process completes, return circle to this SDK unit
Deposit success message.
Preferably, this TOKEN generation module 208 specifically may include that
To key lead-out unit 2081, for deriving asymmetrical PKI and private key from encryption equipment；
Public key encryption unit 2082, is used for this public key encryption according to the security strategy bag preset, is somebody's turn to do
TOKEN；
Encrypted transmission unit 2083, for logical by the encryption of CA (Certification Authority) certificate
This TOKEN and this security strategy bag are sent to this SDK unit by road.
This SDK unit also includes: payment information encryption sub-unit operable 214, is used at SDK unit according to being somebody's turn to do
During current payment terms pays, use this TOKEN that payment information is encrypted；
This payment information encryption sub-unit operable 214 specifically includes:
Deciphering secondary units 2141, for this TOKEN being decrypted according to this security strategy bag, and
This public affairs are obtained in the internal memory of chip operating system (CPU Card Operate System is called for short COS)
Key；
Encryption secondary units 2142, for the payment information using the current payment terms of this PKI pair and this to carry out
Encryption, until completing to pay.
Essentially describe a kind of HCE technology based on NFC above and firmly build the payment devices of ministerial standard,
A kind of HCE technology based on NFC will be described in detail in the method for payment firmly building ministerial standard below,
Referring to Fig. 3, in the embodiment of the present invention, a kind of HCE technology based on NFC is in the payment firmly building ministerial standard
One embodiment of method includes:
301, current payment terms is obtained according to outside Near-field Data；
It is possible, firstly, to obtain current payment terms according to outside Near-field Data, this outside Near-field Data is by configuring
The terminal unit having NFC chip collects.
302, complete to pay according to this current payment terms by the SDK unit on terminal unit；
After obtaining current payment terms according to outside Near-field Data, can be by the SDK on terminal unit
Unit completes to pay according to this current payment terms.
303, under this terminal unit with cloud payment platform on line state based on HCE technology, by this eventually
The payment record of end equipment is uploaded to this cloud payment platform so that this cloud payment platform is according to this payment record
Process of withholing is completed for the account that this terminal unit is corresponding；
After completing to pay according to this current payment terms by the SDK unit on terminal unit, at this eventually
Under end equipment and cloud payment platform on line state based on HCE technology, can be by the payment of this terminal unit
Record is uploaded to this cloud payment platform so that this cloud payment platform is this terminal unit according to this payment record
Corresponding account completes process of withholing.
304, the receipt of withholing from this cloud payment platform is transmitted to this SDK unit.
It is that the account that this terminal unit is corresponding completes process of withholing at this cloud payment platform according to this payment record
Afterwards, the receipt of withholing from this cloud payment platform can be transmitted to this SDK unit.
In the present embodiment, first, current payment terms, this near field, outside number are obtained according to outside Near-field Data
Collect according to by the terminal unit being configured with NFC chip；Then, by the SDK on terminal unit
Unit completes to pay according to this current payment terms；Then, at this terminal unit and cloud based on HCE technology
Under payment platform on line state, the payment record of this terminal unit is uploaded to this cloud payment platform so that
This cloud payment platform is that the account that this terminal unit is corresponding completes process of withholing according to this payment record；Finally,
Receipt of withholing from this cloud payment platform is transmitted to this SDK unit.Originally executing in example, passing through terminal
The SDK unit of equipment completes to pay, and only payment record need to be uploaded to after payment cloud payment platform, so
After completed, by cloud payment platform, process of withholing, indirectly give cloud payment platform by the responsibility of safety verification,
Without completing to pay by the checking of the security module of hardware, break away from the restriction of hardware security module,
City is conducive to lead to popularization and the use of card.
For ease of understanding, below a kind of based on NFC the HCE technology in the embodiment of the present invention is being lived
The method of payment building ministerial standard is described in detail, a kind of HCE based on NFC in the embodiment of the present invention
Technology includes in another embodiment of method of payment firmly building ministerial standard:
401, the SDK unit on this terminal unit sends bind request to this cloud payment platform；
Before using terminal unit to carry out NFC payment, for the effectiveness guaranteed payment and safety, can
In advance terminal unit is bound with cloud payment platform.First, the SDK unit on this terminal unit
Bind request is sent to this cloud payment platform.
402, the user data transmission in this bind request is carried out school to banking system by this cloud payment platform
Test, and receive the check results fed back from this banking system；
SDK unit on this terminal unit is after this cloud payment platform sends bind request, and this cloud props up
Pay platform can the user data transmission in this bind request be verified to banking system, and receive
The check results fed back from this banking system.
If 403 these check results are for passing through, then this cloud payment platform is the account that this terminal unit opens correspondence
Family；
If this check results is for passing through, then this cloud payment platform can be the account that this terminal unit opens correspondence
Family, in general, the account is system of real name account.
404, this cloud payment platform is that this terminal unit generates corresponding TOKEN and sends to this SDK mono-
Unit；
After opening account, this cloud payment platform can be that this terminal unit generates corresponding TOKEN and sends
To this SDK unit.Particularly as follows:
1, this cloud payment platform derives asymmetrical PKI and private key from encryption equipment；
This cloud payment platform by this public key encryption, obtains this TOKEN according to the security strategy bag preset；
2, this TOKEN and this security strategy bag are sent out by this cloud payment platform by CA certificate encrypted tunnel
Deliver to this SDK unit.
It should be noted that PKI leads to card background system as consumer sub-cipher key at cloud payment platform and city
The most all use encryption from storage, when generating key, lead to card standard online acquirement card structure file, group by city
Knitting card valid data, derive consumer sub-cipher key from encryption equipment, then consumer sub-cipher key is through security strategy
RSA part in bag processes the encryption method encryption that employing system is exclusive, forms TOKEN.Finally lead to
Crossing CA certificate encrypted tunnel to transmit to terminal unit (mobile phone terminal), Fig. 4 is TOKEN transmission and storage
The schematic diagram of mode.
405, this cloud payment platform leads to card background system and reports the information of opening an account of this terminal unit to city；
Finally, this cloud payment platform can lead to card background system and reports the letter of opening an account of this terminal unit to city
Breath.
Above-mentioned steps 401 to 405 is the process of terminal unit and the binding of cloud payment platform, and its multiterminal are mutual
Process refer to Fig. 5.
406, this SDK unit sends circle to this cloud payment platform and deposits request；
After this terminal unit is bound with this cloud payment platform, for ease of payment consumption, this SDK unit
Circle can be sent to this cloud payment platform and deposit request.
407, this cloud payment platform receives after this circle deposits request, withholds to banking system application；
At this SDK unit after request deposited by this cloud payment platform transmission circle, this cloud payment platform receives
After request deposited by this circle, withhold to banking system application.
408, this cloud payment platform is after the success message of withholing receiving this banking system feedback, for this eventually
The account that end equipment is corresponding supplements process accordingly with money；
If withholing successfully, then this cloud payment platform can receive withholing and successfully disappearing of this banking system feedback
Breath, then supplements process with money accordingly for the account that this terminal unit is corresponding.It is understood that one
For as, the amount supplemented with money matches with amount of withholing.
409, supplementing with money after process completes, this cloud payment platform returns circle to this SDK unit and deposits success message；
After the account corresponding for this terminal unit supplements process with money accordingly, this cloud payment platform can
To deposit success message to this SDK unit return circle.
Above-mentioned steps 406 to 409 carries out, for terminal unit, the process that account circle is deposited, and it encloses the mutual mistake deposited
Journey refers to Fig. 6.
410, current payment terms is obtained according to outside Near-field Data；
After carrying out binding and circle deposits preparation, current payment terms can be obtained according to outside Near-field Data,
This outside Near-field Data is collected by the terminal unit being configured with NFC chip.
411, complete to pay according to this current payment terms by the SDK unit on terminal unit；
After obtaining current payment terms according to outside Near-field Data, can be by the SDK on terminal unit
Unit completes to pay according to this current payment terms.For the safety guaranteed payment, need payment process is carried out
Encryption and decryption processes, owing to, in binding procedure, TOKEN is sent to SDK unit by cloud payment platform,
Thus when SDK unit needs to carry out delivery operation, following steps can be performed and obtain consumer sub-cipher key also
Complete to pay:
1, this TOKEN is decrypted by this SDK unit according to this security strategy bag, and operates in sheet
The internal memory of system obtains this PKI；
2, this SDK unit uses the payment information encryption that the current payment terms of this PKI pair and this is carried out, directly
To completing payment.
412, under this terminal unit with cloud payment platform on line state based on HCE technology, by this eventually
The payment record of end equipment is uploaded to this cloud payment platform so that this cloud payment platform is according to this payment record
Process of withholing is completed for the account that this terminal unit is corresponding；
Under this terminal unit with cloud payment platform on line state based on HCE technology, by this terminal unit
Payment record be uploaded to this cloud payment platform so that this cloud payment platform is this end according to this payment record
The account that end equipment is corresponding completes process of withholing.
413, the receipt of withholing from this cloud payment platform is transmitted to this SDK unit.
After completing to withhold, the receipt of withholing from this cloud payment platform can be transmitted to this SDK unit.
Above-mentioned steps 410 to 413 carries out off line for terminal unit and pays and the online process withholdd, and it is handed over
Process refers to Fig. 7 mutually.
In the present embodiment, the city firmly building portion based on HCE leads to the realization of card, will card logical to current city
Application model occur change property development, use mobile phone can realize subway, public transport, taxi, with
And the mobile-phone payment of public bicycles etc., and do not relying on the realization of entity card, and both safety, the most convenient,
Also environmental protection.
Those skilled in the art is it can be understood that arrive, and for convenience and simplicity of description, above-mentioned retouches
The specific works process of the system stated, device and unit, is referred to the correspondence in preceding method embodiment
Process, does not repeats them here.
In several embodiments provided herein, it should be understood that disclosed system, device and
Method, can realize by another way.Such as, device embodiment described above is only shown
Meaning property, such as, the division of described unit, be only a kind of logic function and divide, actual can when realizing
There to be other dividing mode, the most multiple unit or assembly can in conjunction with or be desirably integrated into another
System, or some features can ignore, or do not perform.Another point, shown or discussed each other
Coupling direct-coupling or communication connection can be the INDIRECT COUPLING by some interfaces, device or unit
Or communication connection, can be electrical, machinery or other form.
The described unit illustrated as separating component can be or may not be physically separate, makees
The parts shown for unit can be or may not be physical location, i.e. may be located at a place,
Or can also be distributed on multiple NE.Can select according to the actual needs part therein or
The whole unit of person realizes the purpose of the present embodiment scheme.
It addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit,
Can also be that unit is individually physically present, it is also possible to two or more unit are integrated in a list
In unit.Above-mentioned integrated unit both can realize to use the form of hardware, it would however also be possible to employ software function list
The form of unit realizes.
If described integrated unit realizes and as independent production marketing using the form of SFU software functional unit
Or when using, can be stored in a computer read/write memory medium.Based on such understanding, this
The part that the most in other words prior art contributed of technical scheme of invention or this technical scheme
Completely or partially can embody with the form of software product, this computer software product is stored in one
In storage medium, including some instructions with so that computer equipment (can be personal computer,
Server, or the network equipment etc.) perform completely or partially walking of method described in each embodiment of the present invention
Suddenly.And aforesaid storage medium includes: USB flash disk, portable hard drive, read only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or light
The various medium that can store program code such as dish.
The above, above example only in order to technical scheme to be described, is not intended to limit；
Although being described in detail the present invention with reference to previous embodiment, those of ordinary skill in the art should
Work as understanding: the technical scheme described in foregoing embodiments still can be modified by it, or to it
Middle part technical characteristic carries out equivalent；And these amendments or replacement, do not make appropriate technical solution
Essence depart from various embodiments of the present invention technical scheme spirit and scope.
Claims (10)
1. a HCE technology based on NFC is at the payment devices firmly building ministerial standard, it is characterised in that
Including:
Obtaining payment terms module, for obtaining current payment terms according to outside Near-field Data, described outside is near
Field data is collected by the terminal unit being configured with NFC chip；
Payment module, for completing to prop up according to described current payment terms by the SDK unit on terminal unit
Pay；
Transmission module in payment record, at described terminal unit and cloud payment platform based on HCE technology
Under on line state, the payment record of described terminal unit is uploaded to described cloud payment platform so that described
Cloud payment platform is that the account that described terminal unit is corresponding completes process of withholing according to described payment record；
Withhold receipt forwarding module, described for the receipt of withholing from described cloud payment platform is transmitted to
SDK unit.
Payment devices the most according to claim 1, it is characterised in that described terminal unit is with described
Cloud payment platform is bound in advance；
SDK unit on described terminal unit includes: bind request subelement, for paying to described cloud
Platform sends bind request；
Described cloud payment platform includes:
Correction verification module, for the user data transmission in described bind request is verified to banking system,
And receive the check results fed back from described banking system；
Open an account module, if for the check results of described correction verification module for passing through, being then described terminal unit
Open the account of correspondence；
TOKEN generation module, for generating corresponding TOKEN for described terminal unit and sending to institute
State SDK unit；
Open an account information reporting module, report opening an account of described terminal unit for leading to card background system to city
Information.
Payment devices the most according to claim 1, it is characterised in that described SDK unit also wraps
Include: request subelement deposited by circle, deposit request for sending circle to described cloud payment platform；
Described cloud payment platform also includes:
Deduction application module, is used for receiving after described circle deposits request, withholds to banking system application；
Supplement module with money, for after the success message of withholing receiving described banking system feedback, for described
The account that terminal unit is corresponding supplements process accordingly with money；
Feedback module, be used for described in supplement module with money and supplement with money after process completes, return circle to described SDK unit
Deposit success message.
Payment devices the most according to claim 2, it is characterised in that described TOKEN generates mould
Block specifically includes:
To key lead-out unit, for deriving asymmetrical PKI and private key from encryption equipment；
Public key encryption unit, is used for described public key encryption according to the security strategy bag preset, obtains described
TOKEN；
Encrypted transmission unit, is used for described TOKEN and described safe plan by CA certificate encrypted tunnel
Slightly bag sends to described SDK unit.
Payment devices the most according to claim 4, it is characterised in that described SDK unit also wraps
Include: payment information encryption sub-unit operable, for carry out paying according to described current payment terms at SDK unit
During, use described TOKEN that payment information is encrypted；
Described payment information encryption sub-unit operable specifically includes:
Deciphering secondary units, for described TOKEN being decrypted according to described security strategy bag, and
The internal memory of chip operating system obtains described PKI；
Encryption secondary units, for the payment information using described PKI pair to carry out with described current payment terms
Encryption, until completing to pay.
6. a HCE technology based on NFC is in the method for payment firmly building ministerial standard, it is characterised in that
Including:
Obtaining current payment terms according to outside Near-field Data, described outside Near-field Data is by being configured with NFC core
The terminal unit of sheet collects；
Complete to pay according to described current payment terms by the SDK unit on terminal unit；
Under described terminal unit with cloud payment platform on line state based on HCE technology, by described terminal
The payment record of equipment is uploaded to described cloud payment platform so that described cloud payment platform is according to described payment
It is recorded as account corresponding to described terminal unit and completes process of withholing；
Receipt of withholing from described cloud payment platform is transmitted to described SDK unit.
Method of payment the most according to claim 6, it is characterised in that by terminal unit
Before SDK unit completes to pay according to described current payment terms, control described SDK unit with described
Cloud payment platform is bound, and bindings specifically includes:
SDK unit on described terminal unit sends bind request to described cloud payment platform；
User data transmission in described bind request is carried out school to banking system by described cloud payment platform
Test, and receive the check results fed back from described banking system；
If described check results is for passing through, the most described cloud payment platform is that described terminal unit opens correspondence
Account；
Described cloud payment platform is that described terminal unit generates corresponding TOKEN and sends to described SDK
Unit；
Described cloud payment platform leads to card background system and reports the information of opening an account of described terminal unit to city.
Method of payment the most according to claim 6, it is characterised in that by terminal unit
Before SDK unit completes to pay according to described current payment terms, described method of payment also includes:
Described SDK unit sends circle to described cloud payment platform and deposits request；
Described cloud payment platform receives after described circle deposits request, withholds to banking system application；
Described cloud payment platform is after the success message of withholing receiving described banking system feedback, for described
The account that terminal unit is corresponding supplements process accordingly with money；
Supplementing with money after process completes, described cloud payment platform returns circle to described SDK unit and deposits success message.
Method of payment the most according to claim 7, it is characterised in that described cloud payment platform is institute
State TOKEN corresponding to terminal unit generation and transmission to described SDK unit specifically include:
Described cloud payment platform derives asymmetrical PKI and private key from encryption equipment；
Described cloud payment platform by described public key encryption, obtains described according to the security strategy bag preset
TOKEN；
Described cloud payment platform passes through CA certificate encrypted tunnel by described TOKEN and described security strategy bag
Send to described SDK unit.
Method of payment the most according to claim 9, it is characterised in that at SDK unit according to institute
Stating during current payment terms pays, described SDK unit uses described TOKEN to disbursement letter
Breath is encrypted, and specifically includes:
Described TOKEN is decrypted by described SDK unit according to described security strategy bag, and in sheet
The internal memory of operating system obtains described PKI；
Described SDK unit uses the payment information encryption that described PKI pair and described current payment terms are carried out,
Until completing to pay.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610190621.XA CN105868980A (en) | 2016-03-29 | 2016-03-29 | Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610190621.XA CN105868980A (en) | 2016-03-29 | 2016-03-29 | Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105868980A true CN105868980A (en) | 2016-08-17 |
Family
ID=56627348
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610190621.XA Pending CN105868980A (en) | 2016-03-29 | 2016-03-29 | Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction |
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| Country | Link |
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| CN (1) | CN105868980A (en) |
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| CN106600266A (en) * | 2016-12-05 | 2017-04-26 | 深圳前海微众银行股份有限公司 | Mobile payment method and apparatus based on SDK |
| TWI748630B (en) * | 2020-01-23 | 2021-12-01 | 大陸商中國銀聯股份有限公司 | Two-dimensional bar code payment method based on mobile phone business card and its payment system, computer readable storage medium and computer equipment |
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| CN104751330A (en) * | 2015-03-13 | 2015-07-01 | 广东欧珀移动通信有限公司 | Payment method and intelligent device |
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Application publication date: 20160817 |