CN111835749A - Method for realizing access of single UnionPay system to multiple credit card systems - Google Patents
Method for realizing access of single UnionPay system to multiple credit card systems Download PDFInfo
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
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- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
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Abstract
The invention relates to a method for realizing the access of a single UnionPay system to a plurality of credit card systems, which comprises the following steps: establishing a UnionPay communication module, a credit card communication module and a logic processing module; independently starting a logic processing module to receive the message; the logic processing module judges the route of the received message, and acquires the source and the destination of the received message, wherein the route comprises a unionpay communication module to a credit card communication module and a credit card communication module to a unionpay communication module; the received message is then MAC checked and PIN decrypted from the message source, and MAC and PIN encryption is regenerated from the message destination. Therefore, the invention realizes the purpose that the bank only accesses one credit card institution number and can still access a plurality of credit card systems by adopting the UnionPay communication module and the credit card communication module as transmission channels and adopting the logic processing module as an intermediate processing means, thereby expanding the card issuing service capability of the bank credit cards.
Description
Technical Field
The invention relates to the technical field of access systems, in particular to a method for realizing access of a single unionpay system to a plurality of credit card systems.
Background
The market competition of the current credit card is intense, a plurality of credit card systems compete in the market, each credit card system has the advantages, and the Unionpay channel is the largest transaction channel of the credit card systems.
Current unionpay systems are very rigid with respect to access systems and institutions, and a bank can only assign a credit card institution number. The institution number is the only resource for the unionpay channel to trade and settle. The bank can not freely introduce the competition of a plurality of credit card systems, and the card issuing business expansion capability of each bank credit card is seriously restricted.
Therefore, it is necessary to provide a method for accessing a plurality of credit card systems by a single unionpay system, so as to achieve the purpose that a bank only accesses one credit card institution number and can still access a plurality of credit card systems, thereby expanding the card issuing capability of bank credit cards.
Disclosure of Invention
The invention aims to provide a method for realizing the access of a single UnionPay system to a plurality of credit card systems, which realizes the purpose that a bank only accesses one credit card institution number and can still access a plurality of credit card systems, and expands the card issuing service capability of bank credit cards.
In order to solve the problems in the prior art, the invention provides a method for realizing the access of a single unionpay system to a plurality of credit card systems, which comprises the following steps:
establishing three modules which are respectively: the system comprises a Unionpay communication module, a credit card communication module and a logic processing module;
independently starting the logic processing module to receive messages;
judging the route of the received message;
if the source of the received message is the Unionpay communication module, carrying out MAC check and PIN decryption on the received message according to a secret key and an encryption mode which are agreed with the Unionpay system, carrying out regeneration MAC and PIN encryption operation on the decrypted message according to the secret key and the encryption mode which are agreed with the corresponding credit card system, and writing the regenerated MAC and PIN encrypted message into the corresponding credit card communication module;
if the source of the received message is the credit card communication module, MAC verification and PIN decryption are carried out on the received message according to the secret key and the encryption mode which are agreed with the credit card system corresponding to the credit card communication module, MAC and PIN encryption operation is carried out on the decrypted message according to the secret key and the encryption mode which are agreed with the Unionpay system, and the message which is encrypted by the regenerated MAC and PIN is written into the Unionpay communication module.
Optionally, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
the Unionpay communication module is in communication butt joint with the Unionpay system and comprises a Unionpay message processing pipeline;
each credit card communication module is in communication butt joint with each credit card system respectively, and each credit card communication module comprises a credit card message processing pipeline;
and the logic processing module is used for realizing the message exchange between the Unionpay communication module and the credit card communication module.
Optionally, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
the Unionpay communication module receives the message of the Unionpay system and writes the received message into the Unionpay message processing pipeline;
and the credit card communication module receives the information of the credit card system and writes the received information into a credit card information processing pipeline.
Optionally, in the method for implementing access of a single unionpay system to multiple credit card systems, the manner of receiving a message and determining a route of the received message includes the following steps:
the logic processing module scans the unionpay message processing pipeline and the credit card message processing pipeline at variable time, and receives messages if messages which are not transmitted by the logic processing module appear;
and the logic processing module judges that the source of the received message is a Unionpay communication module or a credit card communication module according to the 5 th field of the message header of the received message.
Optionally, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
if the source of the received message is the Unionpay communication module, the first 6 bits or the first 8 bits in the 2 nd domain of the message body are judged to obtain a credit card communication module corresponding to the received message.
Optionally, in the method for implementing access of a single unionpay system to multiple credit card systems, performing MAC check and PIN decryption includes the following steps:
carrying out MAC verification, and carrying out PIN decryption if the verification is successful; and if the verification fails, the PIN decryption is not continuously carried out, and the Unionpay MAC verification failure is returned to the Unionpay communication module or the credit card MAC verification failure is returned to the credit card communication module which sends the message.
Optionally, in the method for implementing access of a single unionpay system to multiple credit card systems, the MAC verification includes the following steps:
calculating and generating a message authentication block according to the type of the received message;
the MAC is calculated based on the agreed key and the message authentication block,
and comparing and calculating to obtain the MAC and the MAC in the received message, if the MAC is consistent with the MAC in the received message, successfully verifying, and otherwise, failing to verify.
Optionally, in the method for implementing access of a single unionpay system to multiple credit card systems, a manner of writing a message encrypted by regenerating MAC and PIN into a corresponding credit card communication module is as follows:
writing the regenerated MAC and PIN encrypted message into a credit card message processing pipeline of a corresponding credit card communication module,
and scanning the credit card message processing pipeline at variable time corresponding to the credit card communication module, and transmitting the scanned message required to be transmitted to the corresponding credit card system.
Optionally, in the method for implementing access of a single unionpay system to multiple credit card systems, a manner of writing a message encrypted by newly generated MAC and PIN into the unionpay communication module is as follows:
writing the regenerated MAC and PIN encrypted message into a Unionpay message processing pipeline of the Unionpay communication module,
the unionpay communication module scans the unionpay message processing pipeline at variable time and transmits the scanned messages which need to be transmitted to the unionpay system.
Optionally, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
and the messages in the unionpay message processing pipeline and the credit card message processing pipeline are messages which have generated MAC and PIN encryption.
In the method for realizing the access of the single UnionPay system to the multiple credit card systems, the UnionPay communication module and the credit card communication module are used as transmission channels, and the logic processing module is used as an intermediate processing means, so that the purpose that a bank only accesses one credit card institution number and can still access the multiple credit card systems is realized, and the card issuing service capability of the bank credit cards is expanded.
Drawings
Fig. 1 is a flowchart of a method for implementing a single unionpay system accessing multiple credit card systems according to an embodiment of the present invention.
Detailed Description
The following describes in more detail embodiments of the present invention with reference to the schematic drawings. The advantages and features of the present invention will become more apparent from the following description. It is to be noted that the drawings are in a very simplified form and are not to precise scale, which is merely for the purpose of facilitating and distinctly claiming the embodiments of the present invention.
Hereinafter, if the method described herein comprises a series of steps, the order of such steps presented herein is not necessarily the only order in which such steps may be performed, and some of the described steps may be omitted and/or some other steps not described herein may be added to the method.
At present, the unionpay system is very strict on access system and institution management, and only one credit card institution number can be allocated to one bank. The institution number is the only resource for the unionpay channel to trade and settle. The bank can not freely introduce the competition of a plurality of credit card systems, and the card issuing business expansion capability of each bank credit card is seriously restricted.
Therefore, there is a need to provide a method for accessing multiple credit card systems by a single unionpay system, as shown in fig. 1, where fig. 1 is a flowchart of a method for accessing multiple credit card systems by a single unionpay system according to an embodiment of the present invention, the method includes the following steps:
establishing three modules which are respectively: the system comprises a Unionpay communication module, a credit card communication module and a logic processing module;
independently starting the logic processing module to receive messages;
judging the route of the received message;
if the source of the received message is the Unionpay communication module, carrying out MAC check and PIN decryption on the received message according to a secret key and an encryption mode which are agreed with the Unionpay system, carrying out regeneration MAC and PIN encryption operation on the decrypted message according to the secret key and the encryption mode which are agreed with the corresponding credit card system, and writing the regenerated MAC and PIN encrypted message into the corresponding credit card communication module;
if the source of the received message is the credit card communication module, MAC verification and PIN decryption are carried out on the received message according to the secret key and the encryption mode which are agreed with the credit card system corresponding to the credit card communication module, MAC and PIN encryption operation is carried out on the decrypted message according to the secret key and the encryption mode which are agreed with the Unionpay system, and the message which is encrypted by the regenerated MAC and PIN is written into the Unionpay communication module.
The invention adopts the UnionPay communication module and the credit card communication module as transmission channels and adopts the logic processing module as an intermediate processing means, thereby realizing the purpose that a bank only accesses one credit card institution number and can still access a plurality of credit card systems, and expanding the card issuing service capability of bank credit cards.
Furthermore, the Unionpay communication adopts an international standard ISO8583 message protocol as a basic protocol, and the Unionpay communication protocol standard is formulated on the basis, wherein the technical specification refers to the technical specification of the Chinese Unionpay bank card exchange system, part 2, the message interface standard, the technical specification of the Chinese Unionpay bank card exchange system, part 4, the data safety transmission control standard, and the invention meets the above specifications. The Unionpay message interface specification is a public transparent protocol specification, and based on the Unionpay communication interface specification, the method can completely realize the re-disassembly of all Unionpay messages and the formation of different credit card transaction routes.
Preferably, all terms used in the present invention are to be interpreted as follows:
MTI: a message type; PIN: a personal identification code of the cardholder; MAC: a Message Authentication Code; MAB: message Authentication Block; and (3) card BIN: a card number segment, wherein 6 bits or 8 bits in front of the card number are intercepted as a card number segment (the 2 nd field in the message body is taken in the scheme); ISO 8583: the financial transaction card original message-transaction message specification is a message format and a transaction flow defined by the international organization for standardization, so that different systems can exchange transaction request and response information; the international algorithm is as follows: the DES encryption algorithm is a block cipher, data is encrypted by taking 64 bits as blocks, the length of a key of the DES encryption algorithm is 56 bits, and the same algorithm is used for encryption and decryption; and (3) a national secret algorithm: a domestic cryptographic algorithm identified by the national cryptology Bureau; routing table: configuring a corresponding credit card system IP, an address, a message source ID and a message target ID according to the card BIN, wherein the corresponding credit card system IP, the address, the message source ID and the message target ID are decision bases for the distribution of the Unionpay transaction; naming a pipeline: the named pipe, also called FIFO file, is a special type of file that exists in the file system in the form of a file name, but behaves similar to an anonymous pipe; message source: the 5 th field in the message header is a message source ID; message destination: the 4 th field in the message header is the message target ID.
Preferably, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
the UnionPay communication module is in communication butt joint with the UnionPay system, the butt joint communication mode can adopt a TCP simplex long connection mode, the UnionPay communication module comprises a UnionPay message processing pipeline, and the UnionPay message processing pipeline is a named pipeline;
each credit card communication module is in communication butt joint with each credit card system respectively, the butt joint communication mode can adopt a TCP duplex short connection mode or a TCP simplex long connection mode, each credit card communication module comprises a credit card message processing pipeline, and the credit card message processing pipeline is another named pipeline;
the logic processing module is used for realizing the message exchange of the Unionpay communication module and the credit card communication module, and the message exchange is mainly realized through a Unionpay message processing pipeline and a credit card message processing pipeline.
Usually, the union pay communication module receives the message of the union pay system, and writes the received message into a union pay message processing pipeline; and the credit card communication module receives the information of the credit card system and writes the received information into a credit card information processing pipeline.
In the method, after receiving the message, it is further required to determine whether the transaction is supported, including the following steps:
and comparing and judging the 0 field, the 3 field, the 25 field and the 70 field of the received message with the system definition, if the received message is not supported, rejecting the transaction, filling 40 in the 39 field, writing an IPC structure into a Unionpay message processing pipeline or a credit card message processing pipeline, and if the received message is supported, continuously judging the routing of the received message and the subsequent steps.
Preferably, the method of receiving a message and determining the route of the received message comprises the steps of:
the logic processing module scans the unionpay message processing pipeline and the credit card message processing pipeline at variable time, and receives messages if messages which are not transmitted by the logic processing module appear;
and the logic processing module judges whether the source of the received message is a Unionpay communication module or a credit card communication module according to the 5 th field of the message header of the received message.
If the source of the received message is the Unionpay communication module, the first 6 bits or the first 8 bits in the 2 nd domain of the message body are judged to obtain a credit card communication module corresponding to the received message, and a credit card system and a credit card message processing pipeline corresponding to the credit card communication module are obtained by the credit card system. In the invention, the first 6 bits or the first 8 bits in the 2 nd field of the message body are card BINs. Specifically, the routing table is looked up according to the card BIN to configure the corresponding credit card system IP, address, message source ID, message destination ID, etc.
Further, the MAC checksum PIN decryption includes the following steps:
carrying out MAC verification, and carrying out PIN decryption if the verification is successful; and if the verification fails, the PIN decryption is not continuously carried out, and the Unionpay MAC verification failure is returned to the Unionpay communication module or the credit card MAC verification failure is returned to the credit card communication module which sends the message.
Preferably, the MAC check includes the steps of:
selecting different message domains according to the type (0 domain: MTI) of the received message and calculating by adopting a cryptographic algorithm to generate a message authentication block;
the MAC is calculated based on the agreed key and the message authentication block,
and comparing and calculating to obtain the MAC and the MAC in the received message, if the MAC is consistent with the MAC in the received message, successfully verifying, and otherwise, failing to verify.
Further, the calculation rule of the cryptographic algorithm is as follows: dividing the data after the MAC character selection processing into 128-bit blocks according to 128 bits until the last block of the data, wherein the bit number of the data is less than or equal to 128 bits, and complementing binary 0 when the bit number is less than 128 bits, thereby obtaining a Message Authentication Block (MAB).
The PIN decryption mode is as follows: and determining the algorithm type according to the algorithm type of the 53-domain name, acquiring the key, decrypting by using a specified algorithm, if the PIN is failed to be solved, returning the PIN to be failed, and if the PIN is successfully solved, performing the next operation.
Further, the manner of generating MAC and PIN encryption is as follows:
MAC is calculated per message target ID: and acquiring the encryption mode of the target system according to the message target ID, and recalculating the MAC according to the encryption mode (international algorithm or national cryptographic algorithm) and the encryption key of the target system.
Recalculating the PIN by message target ID: and acquiring the encryption mode of the target system according to the message target ID, and regenerating the PIN according to the encryption mode (international algorithm or national cryptographic algorithm) and the encryption key of the target system, for example, calculating by using the plaintext + 2 nd field after the original PIN is decrypted.
Preferably, in the method for implementing access of a single unionpay system to multiple credit card systems, the method for writing the regenerated MAC and PIN encrypted message into the corresponding credit card communication module is as follows:
writing the regenerated MAC and PIN encrypted message into a credit card message processing pipeline of a corresponding credit card communication module,
and scanning the credit card message processing pipeline at variable time corresponding to the credit card communication module, and transmitting the scanned message required to be transmitted to the corresponding credit card system.
The mode of writing the message of regenerating MAC and PIN encryption into the Unionpay communication module is as follows:
writing the regenerated MAC and PIN encrypted message into a Unionpay message processing pipeline of the Unionpay communication module,
the unionpay communication module scans the unionpay message processing pipeline at variable time and transmits the scanned messages which need to be transmitted to the unionpay system.
Optionally, in the method for realizing the access of the single unionpay system to the plurality of credit card systems,
and the messages in the unionpay message processing pipeline and the credit card message processing pipeline are messages which have generated MAC and PIN encryption.
In one embodiment, the credit card communication module monitors a credit card message processing pipeline of the credit card module, packages the received message into ISO8583, then sends the message to a corresponding credit card system by adopting TCP short connection, unpacks the message into an IPC structure after receiving an ISO8583 message returned by the credit card system, sets a message target ID as a UnionPay, and writes the message source ID into the IPC structure to be written into a logic processing module ID.
In summary, in the method for realizing the access of a single unionpay system to a plurality of credit card systems provided by the invention, the unionpay communication module and the credit card communication module are used as transmission channels, and the logic processing module is used as an intermediate processing means, so that the purpose that a bank only accesses one credit card institution number and still can access a plurality of credit card systems is realized, and the card issuing service capability of the bank credit cards is expanded.
The above description is only a preferred embodiment of the present invention, and does not limit the present invention in any way. It will be understood by those skilled in the art that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (10)
1. A method for realizing access of a single unionpay system to a plurality of credit card systems is characterized by comprising the following steps:
establishing three modules which are respectively: the system comprises a Unionpay communication module, a credit card communication module and a logic processing module;
independently starting the logic processing module to receive messages;
judging the route of the received message;
if the source of the received message is the Unionpay communication module, carrying out MAC check and PIN decryption on the received message according to a secret key and an encryption mode which are agreed with the Unionpay system, carrying out regeneration MAC and PIN encryption operation on the decrypted message according to the secret key and the encryption mode which are agreed with the corresponding credit card system, and writing the regenerated MAC and PIN encrypted message into the corresponding credit card communication module;
if the source of the received message is the credit card communication module, MAC verification and PIN decryption are carried out on the received message according to the secret key and the encryption mode which are agreed with the credit card system corresponding to the credit card communication module, MAC and PIN encryption operation is carried out on the decrypted message according to the secret key and the encryption mode which are agreed with the Unionpay system, and the message which is encrypted by the regenerated MAC and PIN is written into the Unionpay communication module.
2. The method of enabling a single union pay system to access multiple credit card systems of claim 1,
the Unionpay communication module is in communication butt joint with the Unionpay system and comprises a Unionpay message processing pipeline;
each credit card communication module is in communication butt joint with each credit card system respectively, and each credit card communication module comprises a credit card message processing pipeline;
and the logic processing module is used for realizing the message exchange between the Unionpay communication module and the credit card communication module.
3. The method of enabling a single union pay system to access multiple credit card systems of claim 2,
the Unionpay communication module receives the message of the Unionpay system and writes the received message into the Unionpay message processing pipeline;
and the credit card communication module receives the information of the credit card system and writes the received information into a credit card information processing pipeline.
4. A method for enabling a single union pay system to access multiple credit card systems as claimed in claim 3, wherein the means for receiving messages and determining the routing of the received messages comprises the steps of:
the logic processing module scans the unionpay message processing pipeline and the credit card message processing pipeline at variable time, and receives messages if messages which are not transmitted by the logic processing module appear;
and the logic processing module judges that the source of the received message is a Unionpay communication module or a credit card communication module according to the 5 th field of the message header of the received message.
5. The method of enabling a single union pay system to access multiple credit card systems of claim 4,
if the source of the received message is the Unionpay communication module, the first 6 bits or the first 8 bits in the 2 nd domain of the message body are judged to obtain a credit card communication module corresponding to the received message.
6. The method of claim 1, wherein performing MAC checksum PIN decryption comprises the steps of:
carrying out MAC verification, and carrying out PIN decryption if the verification is successful; and if the verification fails, the PIN decryption is not continuously carried out, and the Unionpay MAC verification failure is returned to the Unionpay communication module or the credit card MAC verification failure is returned to the credit card communication module which sends the message.
7. The method of claim 1, wherein the MAC check comprises the steps of:
calculating and generating a message authentication block according to the type of the received message;
the MAC is calculated based on the agreed key and the message authentication block,
and comparing and calculating to obtain the MAC and the MAC in the received message, if the MAC is consistent with the MAC in the received message, successfully verifying, and otherwise, failing to verify.
8. The method of claim 2 for enabling a single union pay system to access multiple credit card systems, wherein the writing of the regenerated MAC and PIN encrypted messages to the corresponding credit card communication modules is performed by:
writing the regenerated MAC and PIN encrypted message into a credit card message processing pipeline of a corresponding credit card communication module,
and scanning the credit card message processing pipeline at variable time corresponding to the credit card communication module, and transmitting the scanned message required to be transmitted to the corresponding credit card system.
9. The method of claim 2 for enabling a single union pay system to access multiple credit card systems, wherein the regenerated MAC and PIN encrypted messages are written to the union pay communication module as follows:
writing the regenerated MAC and PIN encrypted message into a Unionpay message processing pipeline of the Unionpay communication module,
the unionpay communication module scans the unionpay message processing pipeline at variable time and transmits the scanned messages which need to be transmitted to the unionpay system.
10. The method of enabling a single union pay system to access multiple credit card systems of claim 2,
and the messages in the unionpay message processing pipeline and the credit card message processing pipeline are messages which have generated MAC and PIN encryption.
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| CN113536335A (en) * | 2021-06-11 | 2021-10-22 | 上海胡桃网络科技有限公司 | Payment system state cryptographic algorithm dynamic updating method |
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| CN111835749B (en) | 2022-09-02 |
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