CN109583883A - A kind of certificate chain mobile payment Wallet System and its application method - Google Patents
A kind of certificate chain mobile payment Wallet System and its application method Download PDFInfo
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- CN109583883A CN109583883A CN201811330988.2A CN201811330988A CN109583883A CN 109583883 A CN109583883 A CN 109583883A CN 201811330988 A CN201811330988 A CN 201811330988A CN 109583883 A CN109583883 A CN 109583883A
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- G—PHYSICS
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The present invention relates to mobile payment technical fields, and in particular to a kind of certificate chain mobile payment Wallet System and its application method set up electronic wallet server, the electronic bank accounts and stored value card of corresponding user in bank paying Gateway External.Transmission point-to-multipoint between mobile payment mobile phone wallet and stored value card is realized by ip multicast technology with associated trading account in the transaction request that mobile payment wallet mobile phone terminal is initiated.Electronic wallet server will realize the withdrawing deposit of stored value card, transfer accounts, supplement with money and payment function, and the remaining sum of real-time update stored value card, store transaction detail save transaction results.Without Third-party payment, the function that zero curve is gone to e-wallet account by electronic bank accounts is realized by bank's wallet server, realize the mutual function of transferring accounts function and carry out small amount payment with stored value card between e-wallet account, slow down the load pressure of payment gateway and the pressure that data traffic is big, reduces bank investment.
Description
Technical field
The present invention relates to mobile payment technical fields, more specifically, are related to a kind of certificate chain mobile payment Wallet System
And its application method.
Background technique
The extensive use of development and payment platform now with mobile technology, wechat, Alipay give people's lives band
Many convenience are carried out, emerging e-payment shape can be increasingly becoming with real-time perfoming online trading and off-line transaction, mobile payment
A kind of means of the stored value card as small amount payment on formula, especially electronic equipment because its carry, securely and reliably,
The advantages that easy to use, is widely used in the numerous areas such as city bus, rail traffic, public payment.But existing electricity
Sub- wallet technology there is problems:
1, pay there are security risk with traditional bank account and password, once account information is revealed, will lead to account
The amount of money is stolen, and there are security risks；
2, it is all penny ante that common payment is most of, if a large amount of penny ante will be to silver using Third-party payment
Capable payment gateway causes the problem that data volume is big and load pressure is big；
3, by trading with net connection, Unionpay, bank can not achieve to Third-party payment platform inside existing payment platform
Transaction monitoring function；
4, the account book function of block chain technology will lead to data space deficiency, if data volume is big, easily network be caused to gather around
It is stifled.
Summary of the invention
In the presence of overcoming the shortcomings of the prior art, the present invention provide a kind of certificate chain mobile payment Wallet System and
Its application method, solve in the prior art safety is low, bank's gateway load pressure is big, bank cannot be to Third-party payment platform
The problem of realizing insider transaction supervision, memory space inadequate is realized point-to-multipoint between mobile payment wallet and stored value card
Transmission.Electronic wallet server will realize the withdrawing deposit of stored value card, transfer accounts, supplement with money and payment function, and real-time update electronic money
The remaining sum of packet, store transaction detail save transaction results.
In order to solve the above-mentioned technical problem, the technical scheme adopted by the invention is as follows:
A kind of certificate chain mobile payment Wallet System, the system include information acquisition module, multicenter authentication module and multicenter
Memory module, the information acquisition module, multicenter authentication module and multicenter memory module are stored on mobile phone terminal, and
It is run on mobile phone terminal, the mobile phone terminal and electronic wallet server pass through wireless connection；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and machine information acquisition device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and machine information acquisition device
The acquisition of breath, life assemblage characteristic information and machine information；The biomedical information acquisition device includes that face acquisition unit, fingerprint are adopted
Collect unit and iris capturing unit；
The multicenter authentication module includes identity authenticating unit, biometric verification unit and machine authentication unit, and the identity is tested
Demonstrate,prove comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, institute
Biometric verification unit is stated for the finger print information of biomedical information acquisition device acquisition, iris information and the finger for being reserved in biological information library
The comparison of line information, iris information, whether the machine authentication unit is for verifying terminal phone number and terminal device IMEI code
Unanimously；
The multicenter memory module is used to store the verifying record of the acquisition information of information acquisition module, multicenter authentication module
With the information of withdrawing deposit of mobile payment wallet, transfer information, charging information, payment information；
Further, the mobile phone terminal includes processor, memory, the information acquisition module, multicenter authentication module and
Multicenter memory module stores on a memory, and can run in the processor.
Further, the identity information acquisition device, biomedical information acquisition device, machine information acquisition device are passed through with terminal
The specific installation of electrical connection or the component being integrated into a whole with terminal device.
A kind of application method of certificate chain mobile payment Wallet System, activating method, movement including mobile payment wallet
Pay the method for withdrawing deposit of wallet, the transfer account method of mobile payment wallet, the recharge method of mobile payment wallet, mobile payment wallet
Method of payment.
Further, the mobile payment wallet activating method the following steps are included:
S1, user open electronic wallet application in mobile payment wallet mobile phone terminal application；
S2, the terminal phone number and terminal device IMEI code that user is obtained by machine information acquisition device, as terminal sets for mobile phone
It is standby then be mobile phone IMEI code, terminal phone number and terminal device IMEI are verified by the machine authentication unit of multicenter authentication module
Whether code is consistent；If it is consistent to compare the reserved information in machine information and date library, it is verified；
S3, user obtain identity information by the identity information acquisition device typing identity information connected in information acquisition module, lead to
Cross face acquisition unit typing face information, the fingerprint collecting unit typing finger print information, iris capturing of biomedical information acquisition device
Unit typing iris information obtains life assemblage characteristic information；
S4, user select the bank card to be bound in mobile phone terminal, and initiate wallet to electronic wallet server and open request；
S5, electronic wallet server verify the identity information and life assemblage characteristic information of user's typing, and pass through nothing
Line communicates to the identity authenticating unit and biometric verification unit of multicenter authentication module and initiates checking request；Multicenter authentication module
Identity authenticating unit the face information of acquisition is compared with the human face photo on identity card in identity information, in mostly
Heart memory module saves comparison record using distributed storage mode；Biometric verification unit will verify finger print information and iris letter
Breath saves verifying record using distributed storage mode by multicenter memory module；If identity information and life assemblage are special
Reference breath is verified, and verification result is stored in multicenter memory module, while verification result is returned to stored value card clothes
Business device and mobile phone terminal；
The electronic ID card information of S6, electronic wallet server acquisition user, the bank of deposit's title for the bank card that user is bound,
Electronic ID card ID, Bank Account Number and the life assemblage characteristic information of user, passes through the combination side of Encryption Algorithm combination random number
Formula generates unique electronic bank accounts, the mobile payment wallet of corresponding user；
The message for opening wallet service is returned to mobile phone terminal by S7, electronic wallet server, and mobile payment wallet opens success.
Further, the method for withdrawing deposit of the mobile payment wallet specifically: by the change of the electronic bank accounts of user
Stored value card is gone to by payment gateway, by initiating request of withdrawing deposit, stored value card service in mobile payment wallet mobile phone terminal
Device by user identity information and life assemblage characteristic information verify, by Transaction Information encryption by ip multicast technology with
Associated account is communicated, and after stored value card receives Withdrawal Amount, is returned the message that transaction is completed by ip multicast technology
Return mobile payment wallet mobile phone terminal.
Further, the Encryption Algorithm is combined close using symmetric encipherment algorithm AES and rivest, shamir, adelman RSA
Key algorithm；Encryption encrypts significant data using AES key；Then AES key is encrypted using RSA public key；Solution
It is close that the AES key by encryption is decrypted using RSA private key；AES key decryption ciphertext is recycled to obtain in plain text.
Further, the mobile payment wallet transfer account method the following steps are included:
S1, user A enter stored value card in mobile payment wallet mobile phone terminal and transfer accounts application, transfer accounts to user B initiation；If with
Family A and user B have opened electronic wallet application；
S2, user A obtain identity in the identity information acquisition device typing identity information that the mobile phone terminal of mobile payment wallet connects
Information passes through face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing rainbow
Film information acquisition life assemblage characteristic information；Electronic wallet server initiates to verify to multicenter authentication module by wireless communication
Request；The identity authenticating unit of multicenter authentication module shines the face in the face information of acquisition and identity information on identity card
Piece is compared, and saves comparison record using distributed storage mode by multicenter memory module；Biometric verification unit will be tested
Finger print information and iris information are demonstrate,proved, verifying record is saved using distributed storage mode by multicenter memory module；
If S3, life assemblage characteristic information are verified, verification result is returned into electronic wallet server, then user A enters
Stored value card is transferred accounts function, and transfer amounts are selected, and associated by the IP address of user A and transfer information by multicast
The mobile payment wallet of party B-subscriber, the stored value card of party B-subscriber and the stored value card of party A-subscriber carry out transmission and information and trade, simultaneously
Transfer request is initiated to electronic wallet server；
Whether the electronic purse balance amount that S4, electronic wallet server will test party A-subscriber is not less than the amount of money to be transferred accounts, if not low
In transfer amounts being then directly transferred to the stored value card of party B-subscriber, preservation is transferred accounts record；Otherwise electronic wallet server will use A
The stored value card at family carries out supplementing operation with money, then enters back into function of transferring accounts；
S5, user B receive transfer amounts in the stored value card of mobile payment wallet mobile phone terminal, then passing through ip multicast technology will
Successful message of transferring accounts is sent to user A；User A and user B can be looked into the stored value card of mobile payment wallet mobile phone terminal
See transaction details, then completion of transferring accounts.
Further, the recharge method of the mobile payment wallet is that the money of the stored value card of user is passed through payment gateway
Go to electronic bank accounts, by withdrawing deposit request in the initiation of mobile payment wallet mobile phone terminal, by ip multicast technology to it is related
The account of connection is communicated, and completes to transfer accounts；Electronic wallet server is by the identity information and life assemblage characteristic information to user
It is verified, by that can carry out transfer operation after verifying, the record that will transfer accounts is stored.
Further, the mobile payment wallet method of payment the following steps are included:
S1, user enter the payment application of mobile payment wallet mobile phone terminal；The payment two of functionality scan businessman is swept by sweeping
Code is tieed up, or by mobile phone NFC close to the payment terminal NFC induction zone of businessman, initiates payment request to electronic wallet server；
The identity information acquisition device typing identity information of S2, user in mobile payment wallet mobile phone terminal, the record of face acquisition unit
Enter face information, fingerprint collecting unit typing finger print information, iris capturing unit typing iris information；
S3, electronic wallet server initiate checking request to multicenter authentication module；The authentication list of multicenter authentication module
The face information of acquisition is compared member with the human face photo on identity card in identity information, is adopted by multicenter memory module
Comparison record is saved with distributed storage mode；Biometric verification unit will verify finger print information and iris information, pass through multicenter
Memory module saves verifying record using distributed storage mode；If authentication and biometric authentication pass through, user enters
The payment application of mobile payment wallet mobile phone terminal；
If the two dimensional code of S4, scanning input businessman, input payment amount, if electronic purse balance amount is not enough to pay, to
The stored value card at family carries out operation of withdrawing deposit, and otherwise the payment terminal of businessman will directly deduct payment amount from electronic purse balance amount；
If it is mobile phone terminal NFC close to the induction zone of businessman's payment terminal, then payment information is returned to mobile payment money by payment terminal
Packet mobile phone terminal after user's payment confirming information, then pays completion；Electronic wallet server saves payment record, and will payment
Successful message is sent to user；
S5, user can check wallet balances and payment record in mobile payment wallet mobile phone terminal.
Further, the multicenter memory module stores information using distributed storage mode.
Further, the terminal for being provided with mobile payment Wallet System is to be stored with depositing for mobile payment Wallet System
Storage media, the storage medium are computer readable storage medium, are stored in the mobile payment money of computer readable storage medium
Packet system is executed in computer processor.
Compared with prior art, the advantageous effect of present invention is that:
The present invention provides a kind of certificate chain mobile payment Wallet System and its application methods, set up in bank paying Gateway External
Electronic wallet server, the electronic bank accounts and stored value card of corresponding user.It is initiated in mobile payment wallet mobile phone terminal
Transaction request, by ip multicast technology, realizes point between mobile payment mobile phone wallet and stored value card with associated trading account
To the transmission of multiple spot.Electronic wallet server will realize the withdrawing deposit of stored value card, transfer accounts, supplement with money and payment function, and in real time more
The remaining sum of new stored value card, store transaction detail save transaction results.Without Third-party payment, taken by bank's wallet
Business device realizes the function that zero curve is gone to e-wallet account by electronic bank accounts, realizes mutual between e-wallet account
Function of mutually transferring accounts and the function that small amount payment is carried out with stored value card, slow down the load pressure and data traffic of payment gateway
Big pressure, reduces bank investment.
Detailed description of the invention
Fig. 1 is a kind of certificate chain mobile payment Wallet System activating method flow diagram of the present invention；
Fig. 2 is that a kind of certificate chain mobile payment Wallet System of the present invention is withdrawn deposit flow diagram；
Fig. 3 is a kind of certificate chain mobile payment Wallet System transfer process schematic diagram of the present invention；
Fig. 4 is a kind of certificate chain mobile payment Wallet System recharge procedure schematic diagram of the present invention；
Fig. 5 is a kind of certificate chain mobile payment Wallet System payment flow schematic diagram of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
A kind of certificate chain mobile payment Wallet System, the system include information acquisition module, multicenter authentication module and more
Central store module, the information acquisition module, multicenter authentication module and multicenter memory module are stored in mobile phone terminal
On, and run on mobile phone terminal, the mobile phone terminal and electronic wallet server pass through wireless connection；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and machine information acquisition device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and machine information acquisition device
The acquisition of breath, life assemblage characteristic information and machine information；The biomedical information acquisition device includes that face acquisition unit, fingerprint are adopted
Collect unit and iris capturing unit；
The multicenter authentication module includes identity authenticating unit, biometric verification unit and machine authentication unit, and the identity is tested
Demonstrate,prove comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, institute
State biometric verification unit for biology acquisition singly acquire finger print information, iris information be reserved in biological information library fingerprint letter
Whether the comparison of breath, iris information, the machine authentication unit are consistent with terminal device IMEI code for verifying terminal phone number；
The multicenter memory module is used to store the verifying record of the acquisition information of information acquisition module, multicenter authentication module
With the information of withdrawing deposit of mobile payment wallet, transfer information, charging information, payment information；
In the present embodiment, the mobile phone terminal includes processor, memory, and the information acquisition module, multicenter verify mould
Block and the storage of multicenter memory module on a memory, and can be run in the processor.
The terminal, including processor, memory and be stored on the memory and can run on the processor
Computer program, wherein one or more can be used in processor and memory, and program is stored in memory, and by
Be configured to be executed by processor, when processor executes the program, realize mobile payment Wallet System application method the step of.
Computer program can be divided into one or more modules, and one or more of modules are stored in described
It in memory, and is executed by the processor, to complete the present invention.One or more of modules can be can complete it is specific
The series of computation machine program instruction section of function, the instruction segment is for describing the computer program in the Mobile payment terminal
Implementation procedure in equipment.For example, the computer program can be divided into information acquisition module, multicenter authentication module and
Multicenter memory module, the information acquisition module, multicenter authentication module and multicenter memory module.
The Mobile payment terminal equipment can be portable telephone terminal, desktop PC, notebook, palm PC
And cloud server etc. calculates equipment.The Mobile payment terminal equipment may include, but be not limited only to, processor, memory, example
Such as described Mobile payment terminal equipment can also include input-output equipment, network access equipment, bus.
Alleged processor can be central processing unit (Central Processing Unit, CPU), can also be it
His general processor, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic device
Part, discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processing
Device etc., the processor are the control centres of the Mobile payment terminal equipment, are entirely moved using various interfaces and connection
The various pieces of dynamic payment terminal equipment.
The memory can be used for storing the module, and the processor is stored in the memory by operation or execution
Interior module, and the data being stored in memory are called, realize the various functions of the Mobile payment terminal equipment.It is described
Memory can mainly include storing program area and storage data area, wherein storing program area can storage program area, at least one
Application program needed for function (such as fingerprint recognition, fingerprint authentication etc.) etc.；Storage data area can store the use according to mobile phone
Data (such as finger print information, electronics certificate information etc.) created etc..In addition, memory may include that high random access is deposited
Reservoir can also include nonvolatile memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media
Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card), at least one disk storage
Device, flush memory device or other volatile solid-state parts.
In the present embodiment, the identity information acquisition device, biomedical information acquisition device, machine information acquisition device are existing set
Standby or module, the identity information acquisition device, biomedical information acquisition device, machine information acquisition device are with terminal by being electrically connected
Specific installation or the component being integrated into a whole with terminal device.
A kind of application method of certificate chain mobile payment Wallet System, activating method, movement including mobile payment wallet
Pay the method for withdrawing deposit of wallet, the transfer account method of mobile payment wallet, the recharge method of mobile payment wallet, mobile payment wallet
Method of payment.
As shown in Figure 1, the activating method of the mobile payment wallet the following steps are included:
S1, user open electronic wallet application in mobile payment wallet mobile phone terminal application；
S2, the terminal phone number and terminal device string code that user is obtained by machine information acquisition device, if terminal is cell phone apparatus
Then it is mobile phone IMEI code, terminal phone number and terminal device IMEI code is verified by the machine authentication unit of multicenter authentication module
It is whether consistent；If it is consistent to compare the reserved information in machine information and date library, it is verified；
S3, user obtain identity information by the identity information acquisition device typing identity information connected in information acquisition module, lead to
Cross face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing iris information
Obtain life assemblage characteristic information；
S4, user select the bank card to be bound in mobile phone terminal, and initiate wallet to electronic wallet server and open request；
S5, electronic wallet server verify the identity information and life assemblage characteristic information of user's typing, and pass through nothing
Line communicates to the identity authenticating unit and biometric verification unit of multicenter authentication module and initiates checking request；
S6, multicenter authentication module identity authenticating unit by the face in the face information of acquisition and identity information on identity card
Photo is compared, and saves comparison record using distributed storage mode by multicenter memory module；Biometric verification unit will
Finger print information and iris information are verified, verifying record is saved using distributed storage mode by multicenter memory module；If
Identity information and life assemblage characteristic information are verified, and verification result is stored in multicenter memory module, while will test
It demonstrate,proves result and returns to electronic wallet server and mobile phone terminal；
The electronic ID card information of S7, electronic wallet server acquisition user, the bank of deposit's title for the bank card that user is bound,
Electronic ID card ID, Bank Account Number and the life assemblage characteristic information of user, passes through the combination side of Encryption Algorithm combination random number
Formula generates unique electronic bank accounts, the mobile payment wallet of corresponding user；Encryption Algorithm uses symmetric encipherment algorithm AES
The key algorithm combined with rivest, shamir, adelman RSA, encryption add data to be encrypted first with AES key
It is close；Then AES key is encrypted using RSA public key；Decryption solves the AES key by encryption using RSA private key
It is close；AES key decryption ciphertext is recycled to obtain in plain text.
The message for opening wallet service is returned to mobile phone terminal by S8, electronic wallet server, and mobile payment wallet is opened into
Function.
As shown in Fig. 2, the method for withdrawing deposit of the mobile payment wallet specifically: by the change of the electronic bank accounts of user
Stored value card is gone to by payment gateway, by initiating request of withdrawing deposit, stored value card service in mobile payment wallet mobile phone terminal
Device by user identity information and life assemblage characteristic information verify, by Transaction Information encryption by ip multicast technology with
Associated account is communicated, and after stored value card receives Withdrawal Amount, is returned the message that transaction is completed by ip multicast technology
Return mobile payment wallet mobile phone terminal.
As shown in figure 3, the transfer account method of the mobile payment wallet the following steps are included:
S1, user A enter stored value card in mobile payment wallet mobile phone terminal and transfer accounts application, transfer accounts to user B initiation；If with
Family A and user B have opened electronic wallet application；
S2, user A obtain identity in the identity information acquisition device typing identity information that the mobile phone terminal of mobile payment wallet connects
Information passes through face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing rainbow
Film information acquisition life assemblage characteristic information；Electronic wallet server initiates to verify to multicenter authentication module by wireless communication
Request；
S3, multicenter authentication module identity authenticating unit by the face in the face information of acquisition and identity information on identity card
Photo is compared, and saves comparison record using distributed storage mode by multicenter memory module；Biometric verification unit will
Finger print information and iris information are verified, verifying record is saved using distributed storage mode by multicenter memory module；
If S4, life assemblage characteristic information are verified, verification result is returned into electronic wallet server, then user A enters
Stored value card is transferred accounts function, and transfer amounts are selected, and associated by the IP address of user A and transfer information by multicast
The mobile payment wallet of party B-subscriber, the stored value card of party B-subscriber and the stored value card of party A-subscriber carry out transmission and information and trade, simultaneously
Transfer request is initiated to electronic wallet server；
Whether the electronic purse balance amount that S5, electronic wallet server will test party A-subscriber is not less than the amount of money to be transferred accounts, if not low
In transfer amounts being then directly transferred to the stored value card of party B-subscriber, preservation is transferred accounts record；Otherwise electronic wallet server will use A
The stored value card at family carries out supplementing operation with money, then enters back into function of transferring accounts；
S6, user B receive transfer amounts in the stored value card of mobile payment wallet mobile phone terminal, then passing through ip multicast technology will
Successful message of transferring accounts is sent to user A；User A and user B can be looked into the stored value card of mobile payment wallet mobile phone terminal
See transaction details, then completion of transferring accounts.
As shown in figure 4, the recharge method of the mobile payment wallet is that the money of the stored value card of user is passed through payment net
Pass goes to electronic bank accounts, by initiating request of withdrawing deposit in mobile payment wallet mobile phone terminal, passes through ip multicast technology and phase
Associated account is communicated, and completes to transfer accounts；Electronic wallet server by user identity information and life assemblage feature believe
Breath is verified, and by that can carry out transfer operation after verifying, the record that will transfer accounts is stored.
As shown in figure 5, the method for payment of the mobile payment wallet the following steps are included:
S1, user enter the payment application of mobile payment wallet mobile phone terminal；The payment two of functionality scan businessman is swept by sweeping
Code is tieed up, or by mobile phone NFC close to the payment terminal NFC induction zone of businessman, initiates payment request to electronic wallet server；
The identity information acquisition device typing identity letter that S2, user connect in the biomedical information acquisition of mobile payment wallet mobile phone terminal
Breath, face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing iris letter
Breath；
S3, electronic wallet server initiate checking request to multicenter authentication module；The authentication list of multicenter authentication module
The face information of acquisition is compared member with the human face photo on identity card in identity information, is adopted by multicenter memory module
Comparison record is saved with distributed storage mode；Biometric verification unit will verify finger print information and iris information, pass through multicenter
Memory module saves verifying record using distributed storage mode；If authentication and biometric authentication pass through, user enters
The payment application of mobile payment wallet mobile phone terminal；
If the two dimensional code of S4, scanning input businessman, input payment amount, if electronic purse balance amount is not enough to pay, to
The stored value card at family carries out operation of withdrawing deposit, and otherwise the payment terminal of businessman will directly deduct payment amount from electronic purse balance amount；
If it is mobile phone terminal NFC close to the induction zone of businessman's payment terminal, then payment information is returned to mobile payment money by payment terminal
Packet mobile phone terminal after user's payment confirming information, then pays completion；Electronic wallet server saves payment record, and will payment
Successful message is sent to user；
S5, user can check wallet balances and payment record in mobile payment wallet mobile phone terminal.
In the present embodiment, the reserved finger print information in the biological information library and iris information are to have reserved information.
In the present embodiment, the multicenter memory module stores information using distributed storage mode.
In the present embodiment, the terminal for being provided with mobile payment Wallet System is to be stored with mobile payment Wallet System
Storage medium, the storage medium be computer readable storage medium, be stored in the mobile branch of computer readable storage medium
The step of packet system of paying is executed in computer processor, realizes the application method of mobile payment Wallet System.
If the integrated module of the Mobile payment terminal equipment is realized in the form of SFU software functional unit and as independence
Product when selling or using, can store in a computer readable storage medium.Based on this understanding, of the invention
It realizes all or part of the process in above-mentioned implementation method, can also instruct relevant hardware come complete by computer program
At the computer program can be stored in a computer readable storage medium, which is being executed by processor
When, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, described
Computer program code can be source code form, object identification code form, executable file or certain intermediate forms etc..The meter
Calculation machine readable medium may include: can carry the computer program code any entity or device, recording medium, USB flash disk,
Mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory
Device (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to the requirement made laws in jurisdiction with patent practice
When increase and decrease.
Only presently preferred embodiments of the present invention is explained in detail above, but the present invention is not limited to above-described embodiment,
Within the knowledge of a person skilled in the art, it can also make without departing from the purpose of the present invention each
Kind variation, various change should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of certificate chain mobile payment Wallet System, it is characterised in that: the system includes information acquisition module, multicenter verifying
Module and multicenter memory module, the information acquisition module, multicenter authentication module and multicenter memory module are stored in
It on mobile phone terminal, and is run on mobile phone terminal, the mobile phone terminal and electronic wallet server pass through wireless connection；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and machine information acquisition device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and machine information acquisition device
The acquisition of breath, life assemblage characteristic information and machine information；The biomedical information acquisition device includes that face acquisition unit, fingerprint are adopted
Collect unit and iris capturing unit；The identity information acquisition device, biomedical information acquisition device and machine information acquisition device are and end
End passes through the specific installation being electrically connected or the component being integrated into a whole with terminal device；
The multicenter authentication module includes identity authenticating unit, biometric verification unit and machine authentication unit, and the identity is tested
Demonstrate,prove comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, institute
Biometric verification unit is stated for the finger print information of biomedical information acquisition device acquisition, iris information and the finger for being reserved in biological information library
The comparison of line information, iris information, whether the machine authentication unit is for verifying terminal phone number and terminal device IMEI code
Unanimously；
The electronic wallet server, the electronic bank accounts and stored value card of corresponding user, by mobile payment wallet hand
Machine terminal initiates transaction request, is communicated with associated trading account by ip multicast technology, passes through stored value card service
Device carries out stored value card and withdraws deposit, transfers accounts, supplements with money and pay, can real-time update stored value card remaining sum；
The multicenter memory module is used to store the verifying record of the acquisition information of information acquisition module, multicenter authentication module
With the information of withdrawing deposit of mobile payment wallet, transfer information, charging information, payment information.
2. a kind of certificate chain mobile payment Wallet System according to claim 1, it is characterised in that: the mobile phone terminal packet
Processor, memory are included, the information acquisition module, multicenter authentication module and multicenter memory module are stored in memory
On, and can be run in the processor.
3. a kind of application method of certificate chain mobile payment Wallet System, it is characterised in that: including the open-minded of mobile payment wallet
Method, the method for withdrawing deposit of mobile payment wallet, the transfer account method of mobile payment wallet, the recharge method of mobile payment wallet, shifting
The method of payment of dynamic payment wallet.
4. a kind of application method of certificate chain mobile payment Wallet System according to claim 3, which is characterized in that described
The activating method of mobile payment wallet the following steps are included:
S1, user open electronic wallet application in mobile payment wallet mobile phone terminal application；
S2, the terminal phone number and terminal device IMEI code that user is obtained by machine information acquisition device, are verified by multicenter
Whether the machine authentication unit verifying terminal phone number of module is consistent with terminal device IMEI code；If comparing machine information and number
The information reserved according to library is consistent, then is verified；
S3, user obtain identity information by the identity information acquisition device typing identity information connected in information acquisition module, lead to
Cross face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing iris information
Obtain life assemblage characteristic information；
S4, user select the bank card to be bound in mobile phone terminal, and initiate wallet to electronic wallet server and open request；
S5, electronic wallet server verify the identity information and life assemblage characteristic information of user's typing, and pass through nothing
Line communicates to the identity authenticating unit and biometric verification unit of multicenter authentication module and initiates checking request；Multicenter authentication module
Identity authenticating unit the face information of acquisition is compared with the human face photo on identity card in identity information, in mostly
Heart memory module saves comparison record using distributed storage mode；Biometric verification unit will verify finger print information and iris letter
Breath saves verifying record using distributed storage mode by multicenter memory module；If identity information and life assemblage are special
Reference breath is verified, and verification result is stored in multicenter memory module, while verification result is returned to stored value card clothes
Business device and mobile phone terminal；
The electronic ID card information of S6, electronic wallet server acquisition user, the bank of deposit's title for the bank card that user is bound,
Electronic ID card ID, Bank Account Number and the life assemblage characteristic information of user, passes through the combination side of Encryption Algorithm combination random number
Formula generates unique electronic bank accounts, the mobile payment wallet of corresponding user；
The message for opening wallet service is returned to mobile phone terminal by S7, electronic wallet server, and mobile payment wallet opens success.
5. a kind of application method of certificate chain mobile payment Wallet System according to claim 3, which is characterized in that described
The method of withdrawing deposit of mobile payment wallet specifically: the change of the electronic bank accounts of user is gone into electronic money by payment gateway
Packet, by withdrawing deposit request in the initiation of mobile payment wallet mobile phone terminal, electronic wallet server by user identity information with
Life assemblage characteristic information is verified, and Transaction Information is encrypted and is communicated by ip multicast technology with associated account,
After stored value card receives Withdrawal Amount, it is whole that mobile payment wallet mobile phone is returned to by the message that ip multicast technology completes transaction
End.
6. a kind of application method of certificate chain mobile payment Wallet System according to claim 3, which is characterized in that described
The transfer account method of mobile payment wallet the following steps are included:
S1, user A enter stored value card in mobile payment wallet mobile phone terminal and transfer accounts application, transfer accounts to user B initiation；If with
Family A and user B have opened electronic wallet application；
S2, user A obtain identity in the identity information acquisition device typing identity information that the mobile phone terminal of mobile payment wallet connects
Information passes through face acquisition unit typing face information, fingerprint collecting unit typing finger print information, iris capturing unit typing rainbow
Film information acquisition life assemblage characteristic information；Electronic wallet server initiates to verify to multicenter authentication module by wireless communication
Request；The identity authenticating unit of multicenter authentication module shines the face in the face information of acquisition and identity information on identity card
Piece is compared, and saves comparison record using distributed storage mode by multicenter memory module；Biometric verification unit will be tested
Finger print information and iris information are demonstrate,proved, verifying record is saved using distributed storage mode by multicenter memory module；
If S3, life assemblage characteristic information are verified, verification result is returned into electronic wallet server, then user A enters
Stored value card is transferred accounts function, and transfer amounts are selected, and associated by the IP address of user A and transfer information by multicast
The mobile payment wallet of party B-subscriber, the stored value card of party B-subscriber and the stored value card of party A-subscriber carry out transmission and information and trade, simultaneously
Transfer request is initiated to electronic wallet server；
Whether the electronic purse balance amount that S4, electronic wallet server will test party A-subscriber is not less than the amount of money to be transferred accounts, if not low
In transfer amounts being then directly transferred to the stored value card of party B-subscriber, preservation is transferred accounts record；Otherwise electronic wallet server will use A
The stored value card at family carries out supplementing operation with money, then enters back into function of transferring accounts；
S5, user B receive transfer amounts in the stored value card of mobile payment wallet mobile phone terminal, then passing through ip multicast technology will
Successful message of transferring accounts is sent to user A；User A and user B can be looked into the stored value card of mobile payment wallet mobile phone terminal
See transaction details, then completion of transferring accounts.
7. a kind of application method of certificate chain mobile payment Wallet System according to claim 3, which is characterized in that described
The recharge method of mobile payment wallet is that the money of the stored value card of user is gone to electronic bank accounts by payment gateway, is passed through
Request of withdrawing deposit is initiated in mobile payment wallet mobile phone terminal, is communicated by ip multicast technology with associated account to complete
It transfers accounts；Electronic wallet server by user identity information and life assemblage characteristic information verify, by verifying after
Transfer operation can be carried out, the record that will transfer accounts stores.
8. a kind of application method of certificate chain mobile payment Wallet System according to claim 3, which is characterized in that described
The method of payment of mobile payment wallet the following steps are included:
S1, user enter the payment application of mobile payment wallet mobile phone terminal；The payment two of functionality scan businessman is swept by sweeping
Code is tieed up, or by mobile phone NFC close to the payment terminal NFC induction zone of businessman, initiates payment request to electronic wallet server；
The identity information acquisition device typing identity information of S2, user in mobile payment wallet mobile phone terminal, the record of face acquisition unit
Enter face information, fingerprint collecting unit typing finger print information, iris capturing unit typing iris information；
S3, electronic wallet server initiate checking request to multicenter authentication module；The authentication list of multicenter authentication module
The face information of acquisition is compared member with the human face photo on identity card in identity information, is adopted by multicenter memory module
Comparison record is saved with distributed storage mode；Biometric verification unit will verify finger print information and iris information, pass through multicenter
Memory module saves verifying record using distributed storage mode；If authentication and biometric authentication pass through, user enters
The payment application of mobile payment wallet mobile phone terminal；
If the two dimensional code of S4, scanning input businessman, input payment amount, if electronic purse balance amount is not enough to pay, to
The stored value card at family carries out operation of withdrawing deposit, and otherwise the payment terminal of businessman will directly deduct payment amount from electronic purse balance amount；
If it is mobile phone terminal NFC close to the induction zone of businessman's payment terminal, then payment information is returned to mobile payment money by payment terminal
Packet mobile phone terminal after user's payment confirming information, then pays completion；Electronic wallet server saves payment record, and will payment
Successful message is sent to user；
S5, user can check wallet balances and payment record in mobile payment wallet mobile phone terminal.
9. a kind of user of certificate chain mobile payment Wallet System according to any one of claim 3-8 claim
Method, which is characterized in that the key that the Encryption Algorithm uses symmetric encipherment algorithm AES and rivest, shamir, adelman RSA to combine
Algorithm；Encryption encrypts significant data first with AES key；Then AES key is encrypted using RSA public key；
Decryption is decrypted the AES key by encryption using RSA private key；AES key decryption ciphertext is recycled to obtain in plain text.
10. a kind of use of certificate chain mobile payment Wallet System according to any one of claim 4-8 claim
Method, it is characterised in that: the mobile payment wallet terminal is the storage medium for being stored with mobile payment Wallet System, described to deposit
Storage media is computer readable storage medium, is stored in the mobile payment Wallet System of computer readable storage medium in computer
Processor executes.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811176329 | 2018-10-10 | ||
| CN2018111763298 | 2018-10-10 |
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| CN109583883A true CN109583883A (en) | 2019-04-05 |
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| CN201811330988.2A Pending CN109583883A (en) | 2018-10-10 | 2018-11-09 | A kind of certificate chain mobile payment Wallet System and its application method |
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| CN111126986A (en) * | 2019-11-25 | 2020-05-08 | 泰康保险集团股份有限公司 | Data processing method and device based on electronic wallet |
| CN111784336A (en) * | 2020-07-31 | 2020-10-16 | 北京斗米优聘科技发展有限公司 | Platform capital account management method, system and storage medium |
| CN112669043A (en) * | 2021-03-17 | 2021-04-16 | ***股份有限公司 | Card binding method, terminal device, authentication server and storage medium |
| CN113034133A (en) * | 2021-03-25 | 2021-06-25 | 深圳前海联动云软件科技有限公司 | Wallet account management system based on shared automobile |
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