CN106980977B - Payment method and system based on Internet of things - Google Patents
Payment method and system based on Internet of things Download PDFInfo
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- CN106980977B CN106980977B CN201710216876.3A CN201710216876A CN106980977B CN 106980977 B CN106980977 B CN 106980977B CN 201710216876 A CN201710216876 A CN 201710216876A CN 106980977 B CN106980977 B CN 106980977B
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- 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
- G06Q20/30—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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- 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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- 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
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a payment method and a payment system based on the Internet of things, relates to the technical field of payment, and is used for realizing the payment function of online cards. The payment method based on the Internet of things comprises the steps of encrypting Internet of things card information; the Internet of things card sends the encrypted Internet of things card information to a server; the server decrypts the received encrypted Internet of things card information to obtain the Internet of things card information, and generates transaction information according to the Internet of things card information; the server encrypts the transaction information and sends the encrypted transaction information to the Internet of things card; the Internet of things card decrypts the received encrypted transaction information to obtain the transaction information; the Internet of things card authenticates the acquired transaction information and sends an authentication result of the transaction information to the server; the server obtains the authentication result and the transaction is finished. The invention is used for online payment.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a payment method and system based on the Internet of things.
Background
In the existing online card-free payment modes, such as a payment treasure and a WeChat, the payment safety hidden danger exists, because most of users' payment treasures or WeChat are in a login state, once a mobile phone is lost or other people obtain login information, economic loss is likely to be caused.
Or, the online card payment is performed by using a bluetooth method or the like, although the security is higher than that of a card-free payment method, the threshold for using the bluetooth method is high, because the bluetooth must be connected with an external device (a smart phone or a smart tablet) during payment, and the connection process is complicated, so that the payment operation is complicated and time-consuming, and the use is inconvenient and the popularity is poor.
Disclosure of Invention
The invention aims to provide a payment method and a payment system based on the Internet of things, which are used for realizing the payment function of an online card under the Internet of things.
In order to achieve the purpose, the invention adopts the following technical scheme:
the invention provides a payment method based on the Internet of things, which comprises the following steps:
and step S1, encrypting the Internet of things card information.
And step S2, the Internet of things card sends the encrypted information of the Internet of things card to the server.
And step S3, the server decrypts the received encrypted Internet of things card information to obtain the Internet of things card information, and generates transaction information according to the Internet of things card information.
And step S4, the server encrypts the transaction information and sends the encrypted transaction information to the Internet of things card.
And step S5, the Internet of things card decrypts the received encrypted transaction information to obtain the transaction information.
And step S6, the Internet of things card authenticates the acquired transaction information and sends the authentication result of the transaction information to the server.
Step S7, the server obtains the authentication result, and the transaction is ended.
According to the payment method based on the Internet of things, the online payment function of the Internet of things card can be realized under the Internet of things, and compared with the online cardless payment methods such as WeChat and Paibao, the payment method provided by the invention has higher safety performance; compared with a method for online card payment through external equipment (Bluetooth), the payment method can complete online card payment without additional equipment, and is relatively high in convenience and universality.
The payment method based on the internet of things further comprises the step S0 of injecting the symmetric key into the internet of things card and synchronously importing the symmetric key into a server of the internet of things before the step S1.
Step S1 specifically includes the following substeps:
and S11, the Internet of things card disperses the symmetric key at the Internet of things card side by using the time factor A and the unique channel identifier corresponding to the Internet of things card to generate a first process key at the Internet of things card side.
And step S12, the Internet of things card encrypts the information of the Internet of things card by using the generated first process key at the side of the Internet of things card.
Step S2 also includes sending the channel unique identifier and the time factor a to the server.
In step S3, the server decrypts the received encrypted internet of things card information to obtain the internet of things card information, and generates transaction information according to the internet of things card information, specifically including the following substeps:
and step S31, the server disperses the symmetric key at the server side according to the received unique channel identifier and the time factor A to generate a first process key at the server side.
And step S32, the server decrypts the encrypted information of the Internet of things card by using the generated server side first process key to acquire the information of the Internet of things card.
And step S33, generating transaction information according to the Internet of things card information.
In step S4, the server encrypts the transaction information and sends the encrypted transaction information to the internet of things card, which specifically includes the following substeps:
and step S41, the server disperses the server-side symmetric key by using the time factor B and the channel unique identifier to generate a server-side second process key.
And step S42, encrypting the transaction information by using the generated server side second process key, and sending the encrypted transaction information, the channel unique identifier and the time factor B to the Internet of things card.
In step S5, the internet of things card decrypts the received encrypted transaction information to obtain the transaction information, and specifically includes the following sub-steps:
s51, the Internet of things card disperses the symmetric key at the Internet of things card side according to the received time factor B and the channel unique identifier to generate a second process key at the Internet of things card side;
and step S52, decrypting the transaction information by using the generated second process key at the Internet of things card side, and acquiring the transaction information.
A second aspect of the present invention provides an internet of things-based payment system, including: the Internet of things card sends the encrypted Internet of things card information to the server; receiving the encrypted transaction information sent by the server, and after decryption, authenticating the transaction information; and the server decrypts the information of the Internet of things card, generates transaction information according to the decrypted information of the Internet of things card, encrypts the transaction information and sends the encrypted transaction information to the Internet of things card.
The thing networking card includes: the Internet of things antenna is used for carrying out signal interaction with the server; the main control chip is used for controlling the Internet of things antenna; and the safe storage chip is connected with the main control chip and is used for finishing the communication between the Internet of things card and the server and encrypting or decrypting the communication information.
According to the payment system based on the internet of things provided by the second aspect of the invention, the online payment function of the internet of things card can be realized, so that the safety, convenience and universality of the payment process are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
Fig. 1 is a flowchart of a payment method based on the internet of things in the embodiment of the invention;
fig. 2 is a schematic diagram of an internet of things-based payment system in an embodiment of the invention;
fig. 3 is a structural diagram of a payment card based on the internet of things in the embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order to better understand the technical scheme of the present invention for those skilled in the art, brief introduction is now made to the internet of things:
the Internet of things (Internet rights) is the Internet with which things are connected. The core and the foundation of the Internet of things are still the Internet, and the Internet of things is an extended and expanded network on the basis of the Internet; in addition, the user terminal extends and expands to any article to perform information exchange and communication.
The Internet of things which is built on a large scale at present comprises NB-Iot, Sigfox and Lora, and has the characteristics of low power consumption, low transmission rate, low data throughput and low connection quantity.
The card is used as a safety certification information carrier, the data volume is small in the transaction certification process, the card is used for transaction verification, the use frequency is dozens of times every day, and the characteristics just accord with the transmission characteristics of the internet of things network. The ultra-low power consumption of the Internet of things, the card can be continuously used for many years only by being provided with a small battery, the card does not need to be replaced and charged, and the tiny volume of the card can be kept.
Example one
The embodiment of the invention provides a payment method based on the internet of things, and as shown in fig. 1, the payment method based on the internet of things comprises the following steps:
and step S1, encrypting the Internet of things card information.
And step S2, the Internet of things card sends the encrypted information of the Internet of things card to the server.
And step S3, the server decrypts the received encrypted Internet of things card information to obtain the Internet of things card information, and generates transaction information according to the Internet of things card information.
And step S4, the server encrypts the transaction information and sends the encrypted transaction information to the Internet of things card.
And step S5, the Internet of things card decrypts the received encrypted transaction information to obtain the transaction information.
And step S6, the Internet of things card authenticates the acquired transaction information and sends the authentication result of the transaction information to the server.
Step S7, the server obtains the authentication result, and the transaction is ended.
The information of the internet of things card related in this embodiment includes a card number of the internet of things card, a number of the internet of things card, and a user corresponding to the internet of things card. The transaction information may include transaction time, transaction location, transaction amount, card number of the internet of things card used in transaction, and user corresponding to the internet of things card used in transaction.
According to the payment method based on the Internet of things, the online payment function of the Internet of things card can be realized under the Internet of things, and compared with the online cardless payment methods such as WeChat and Paibao, the payment method provided by the invention has higher safety performance; compared with a method for online card payment through external equipment (Bluetooth), the payment method can complete online card payment without additional equipment, and is relatively high in convenience and universality. In addition, the internet of things card can keep small volume and long service cycle, thereby realizing safe and convenient online payment.
In order to more clearly describe the payment method based on the internet of things, the following description is made on the transaction process of the internet of things card:
assuming that 20 RMB breakfast is purchased by using the IOT card on a payment platform (relative to the IOT card, namely a server), the process is as follows:
and encrypting the Internet of things card information including the card number of the Internet of things card and the like, and then sending the encrypted Internet of things card information to the payment platform. The payment platform decrypts the payment platform to obtain the Internet of things card information, and generates transaction information according to the Internet of things card information, wherein the transaction information comprises 20-element breakfast fees to be paid, and the transaction information is encrypted and then sent to the Internet of things card. The internet of things card decrypts and obtains the transaction information. The internet of things card authenticates the transaction information, and the authentication can be used for judging whether the transaction information of the payment platform is correct or not and feeding back an authentication result to the payment platform so as to complete the transaction. If the authentication result is successful, the internet of things card pays the 20-element breakfast fee to the payment platform, and if the authentication result is failed, the authentication failure result is fed back to the payment platform, so that the transaction is terminated.
Inevitably, when the user obtains the internet of things card, the internet of things card is bound, that is, the card number of the internet of things card is connected with the identity of the user.
For example, the internet of things-based payment method may further include, before the step S1, the step S0 of injecting the symmetric key into the internet of things card, and synchronously importing the symmetric key into a server of the internet of things. Therefore, the symmetric key is used for encrypting the Internet of things card information or the transaction information in the transaction process, and the security of the transaction process is improved.
Further, step S1 specifically includes the following sub-steps:
and S11, the Internet of things card disperses the symmetric key at the Internet of things card side by using the time factor A and the unique channel identifier corresponding to the Internet of things card to generate a first process key at the Internet of things card side.
And step S12, the Internet of things card encrypts the information of the Internet of things card by using the generated first process key at the side of the Internet of things card.
The unique channel identifier (mediaaccess Control) in this embodiment is a network layer of the internet of things, and may also be a MAC address.
Between the step S11 and the step S12, the step S1 may further include generating a first verification code by the internet of things card according to the generated first process key on the side of the internet of things card, and sending the first verification code to the server.
Step S2 also includes sending the channel unique identifier and the time factor a to the server.
In step S3, the server decrypts the received encrypted internet of things card information to obtain the internet of things card information, and generates transaction information according to the internet of things card information, which specifically includes the following sub-steps:
and step S31, the server disperses the symmetric key at the server side according to the received unique channel identifier and the time factor A to generate a first process key at the server side.
And step S32, the server decrypts the encrypted information of the Internet of things card by using the generated server side first process key to acquire the information of the Internet of things card.
And step S33, generating transaction information according to the Internet of things card information. The server verifies the information of the Internet of things card according to the received information of the Internet of things card, such as the card number of the Internet of things card, the certificate number of the Internet of things card, the generation time of the Internet of things card, the user bound with the Internet of things card and the like, and encrypts and feeds back the information to be transacted, such as transaction time, transaction place, transaction amount and the like, to the Internet of things card.
Correspondingly, between the step S31 and the step S32, the step S3 may further include generating a first check code according to the generated service-side first procedure key, and if the first check code is the same as the first verification code, performing the step S32; if the first check code is different from the first verification code, the process returns to step S1. Specifically, when the first check code is different from the first verification code, it indicates that the first process key of the service side generated by the service side is not correct, and cannot be used for decrypting the encrypted internet of things card information. Therefore, the determination is made here, and the calculation time period can be reduced.
In step S4, the server encrypts the transaction information and sends the encrypted transaction information to the internet of things card, which specifically includes the following sub-steps:
and step S41, the server disperses the server-side symmetric key by using the time factor B and the channel unique identifier to generate a server-side second process key.
And step S42, encrypting the transaction information by using the generated server side second process key, and sending the encrypted transaction information, the channel unique identifier and the time factor B to the Internet of things card.
It should be noted that, after the server generates the server-side second process key, the server also synthesizes the second verification code and sends the second verification code to the internet of things card.
In step S5, the internet of things card may decrypt the received encrypted transaction information to obtain the transaction information, which specifically includes the following sub-steps:
s51, the Internet of things card disperses the symmetric key at the Internet of things card side according to the received time factor B and the channel unique identifier to generate a second process key at the Internet of things card side;
and step S52, decrypting the transaction information by using the generated second process key at the Internet of things card side, and acquiring the transaction information.
And generating a second verification code relative to the server side, wherein the internet of things card side also generates a second check code according to a second process key of the internet of things card side, and the verification processes of the first verification code and the first check code can refer to the verification process of the first verification code and the first check code, which is not described herein again.
Example two
The embodiment provides a payment system based on the internet of things, and the payment system based on the internet of things is suitable for the payment method based on the internet of things in the first embodiment.
As shown in fig. 2 to 3, the payment system includes an internet device, an internet of things device management platform, an internet of things base station, a payment platform, and an internet of things payment card. The internet device can be various computing devices, such as mobile terminals like mobile phones, PADs, etc., or computers, etc. The internet of things device management platform and the payment platform may be computing devices or software running on the computing devices. Thing networking basic station and thing networking payment card realize communication based on the thing networking, and wherein the structure of thing networking payment card is as shown in figure 3, includes: the internet of things payment card comprises an internet of things network antenna 2 integrated in a card 1, an internet of things communication chip 3, a main control chip 4, a safety storage chip 5 and a transaction key 6, wherein the internet of things communication device formed by the internet of things network antenna 2 and the internet of things communication chip 3 is used for realizing data interaction between the internet of things payment card and a payment platform based on the internet of things, the main control chip 4 receives and sends external data through the internet of things communication device, the safety storage chip 5 stores safety authentication information of the internet of things payment card, the safety authentication is carried out on the external information through self operation according to selection of a user, and the transaction key 6 is used for confirming a transaction for the user.
In the embodiment, a user selects and purchases commodities from a shopping mall of the internet device, an order payment request is formed in a payment platform, meanwhile, the payment platform sends a transaction authentication request to the internet of things payment card, the user determines whether to approve the transaction by operating a transaction key 6 in the internet of things payment card, a transaction authentication request result is formed by a safety storage chip 5 through self operation according to the selection of the user and is fed back to the payment platform through a main control chip 4, and the payment platform finally determines whether to carry out the transaction according to the received transaction authentication request result.
The communication between the payment card of the internet of things and the payment platform is completed through the internet of things, specifically, the payment platform sends data needing interaction to the equipment management platform of the internet of things, the equipment management platform of the internet of things receives the data needing interaction and sends the data needing interaction to the base station of the internet of things, the base station of the internet of things finally sends the data needing interaction to the payment card of the internet of things, because the internet of things payment card is internally integrated with the internet of things network antenna 2 and the communication chip 3 of the internet of things, the payment card of the internet of things can receive and send information based on the internet of things and carry out data interaction, and the information is fed back to the payment platform through the base station of the internet of things and the equipment management. In the transaction process, the transaction can be finally completed by the user through the operation on the entity card, so that the anti-counterfeiting authentication function of the entity card is also needed in the online payment process, thereby increasing the safety guarantee of the user fund and preventing the situation that the fund in the card is stolen on the body of the bank card.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (10)
1. The payment method based on the Internet of things is suitable for an Internet of things card and is characterized by comprising the following steps:
step S1, the Internet of things card generates a first process key at the Internet of things card side, and encrypts the information of the Internet of things card by using the first process key at the Internet of things card side;
step S2, the Internet of things card sends the encrypted Internet of things card information to a server;
step S3, the server generates a first process key at the server side, decrypts the received encrypted Internet of things card information by using the first process key at the server side, obtains the Internet of things card information, and generates transaction information according to the Internet of things card information;
step S4, the server encrypts the transaction information and sends the encrypted transaction information to the Internet of things card;
step S5, the Internet of things card decrypts the received encrypted transaction information to obtain the transaction information;
step S6, the Internet of things card authenticates the acquired transaction information and sends the authentication result of the transaction information to the server;
step S7, the server obtains the authentication result, and the transaction is ended.
2. The internet-of-things based payment method of claim 1, further comprising, before the step S1,
and step S0, the symmetric key is injected into the Internet of things card, and the symmetric key is synchronously led into a server of the Internet of things.
3. The internet of things-based payment method of claim 2, wherein the step S1 specifically comprises the following sub-steps:
s11, the Internet of things card disperses the symmetric key at the Internet of things card side by using the time factor A and the unique channel identifier corresponding to the Internet of things card to generate a first process key at the Internet of things card side;
and step S12, the Internet of things card encrypts the information of the Internet of things card by using the generated first process key at the side of the Internet of things card.
4. The internet of things-based payment method of claim 3, wherein the step S2 further comprises sending the channel unique identifier and the time factor a to the server.
5. The payment method based on the internet of things of claim 4, wherein in the step S3, the server decrypts the received encrypted internet of things card information to obtain the internet of things card information, and generates transaction information according to the internet of things card information, specifically comprising the following sub-steps:
step S31, the server disperses the symmetric key at the server side according to the received unique channel identifier and the time factor A to generate a first process key at the server side;
step S32, the server decrypts the encrypted information of the Internet of things card by using the generated server side first process key to obtain the information of the Internet of things card;
and step S33, generating transaction information according to the Internet of things card information.
6. The payment method based on the internet of things as claimed in claim 2, wherein in the step S4, the server encrypts the transaction information and sends the encrypted transaction information to the internet of things card, and the payment method based on the internet of things specifically comprises the following substeps:
step S41, the server disperses the symmetric key at the server side by using the time factor B and the channel unique identifier to generate a second process key at the server side;
and step S42, encrypting the transaction information by using the generated server side second process key, and sending the encrypted transaction information, the channel unique identifier and the time factor B to the Internet of things card.
7. The payment method based on the internet of things of claim 1, wherein in the step S5, the internet of things card decrypts the received encrypted transaction information to obtain the transaction information, and specifically comprises the following sub-steps:
s51, the Internet of things card disperses the symmetric key at the Internet of things card side according to the received time factor B and the channel unique identifier to generate a second process key at the Internet of things card side;
and step S52, decrypting the transaction information by using the generated second process key at the Internet of things card side, and acquiring the transaction information.
8. An internet of things-based payment system, comprising:
the system comprises an Internet of things card, a first process key and a second process key, wherein the first process key is arranged on the Internet of things card side; sending the encrypted Internet of things card information to a server; receiving the encrypted transaction information sent by the server, and after decryption, authenticating the transaction information to complete the transaction;
and the server generates a server side first process key, decrypts the Internet of things card information encrypted by the Internet of things card by using the server side first process key, generates transaction information according to the decrypted Internet of things card information, encrypts the transaction information and sends the encrypted transaction information to the Internet of things card.
9. The internet of things-based payment system of claim 8, wherein the internet of things card comprises:
the Internet of things antenna is used for carrying out signal interaction with the server;
the main control chip is connected with the Internet of things antenna and is used for controlling the Internet of things antenna;
and the safe storage chip is connected with the main control chip and is used for finishing the communication between the Internet of things card and the server and encrypting or decrypting the communication information.
10. The internet of things-based payment system of claim 9, wherein the secure storage chip is further configured to store a secure key and communication information, wherein the secure key comprises a symmetric key and an asymmetric key pair.
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| CN201710216876.3A CN106980977B (en) | 2017-04-05 | 2017-04-05 | Payment method and system based on Internet of things |
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| CN201710216876.3A CN106980977B (en) | 2017-04-05 | 2017-04-05 | Payment method and system based on Internet of things |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108388806B (en) * | 2018-02-12 | 2020-10-20 | 徐正伟 | Thing networking safety is consolidated and data rights and interests protection device based on block chain |
| CN113873518A (en) * | 2021-09-28 | 2021-12-31 | 恒宝股份有限公司 | Credible Internet of things equipment and system based on SIM card and working method thereof |
| CN114157588B (en) * | 2021-10-22 | 2024-03-19 | 国网山西省电力公司阳泉供电公司 | Automatic flow monitoring method on life cycle line of Internet of things card |
| CN115297558B (en) * | 2022-10-10 | 2023-09-19 | 西安云脉智能技术有限公司 | Communication method and system of multiple LoRa nodes based on time division multiple access |
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2017
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