WO2013174325A2 - 移动支付的实现方法及装置 - Google Patents

移动支付的实现方法及装置 Download PDF

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Publication number
WO2013174325A2
WO2013174325A2 PCT/CN2013/079901 CN2013079901W WO2013174325A2 WO 2013174325 A2 WO2013174325 A2 WO 2013174325A2 CN 2013079901 W CN2013079901 W CN 2013079901W WO 2013174325 A2 WO2013174325 A2 WO 2013174325A2
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WO
WIPO (PCT)
Prior art keywords
payment
smart card
mobile terminal
financial smart
payment information
Prior art date
Application number
PCT/CN2013/079901
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English (en)
French (fr)
Other versions
WO2013174325A3 (zh
Inventor
朱大龙
童向杰
胡易木
凌小兵
童晓演
Original Assignee
中兴通讯股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2013174325A2 publication Critical patent/WO2013174325A2/zh
Publication of WO2013174325A3 publication Critical patent/WO2013174325A3/zh

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Classifications

    • 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices

Definitions

  • the present invention relates to the field of mobile communications, and in particular to a method and apparatus for implementing mobile payment.
  • BACKGROUND OF THE INVENTION In recent years, with the rapid development of Internet technologies and mobile communication technologies, especially the rapid development of smart phones, the rapid rise of the mobile payment industry has been greatly promoted, and various parties from the industry have continuously introduced flexible and innovative mobiles. Payment services have had a huge impact in social life.
  • the so-called mobile payment refers to the transaction between the two parties for a certain goods or business through mobile terminal devices.
  • the mobile terminal used for mobile payment can be a mobile phone, a personal digital assistant (PDA), or a mobile personal computer ( Personal Computer, referred to as PC).
  • PDA personal digital assistant
  • PC Personal Computer
  • the current mainstream mobile payment includes: Near Field Communication (also known as Near Field Communication, NFC for short) - Subscriber Identity Module (SIM), independent NFC terminal, smart SD card, etc. That is, mobile payment can be realized by different carriers such as a mobile phone SIM card, a separate NFC chip, and an intelligent SD card.
  • NFC Near Field Communication
  • SIM Subscriber Identity Module
  • the current solution also has its own shortcomings: First, restrictions on users, such as NFC-SIM, because of the interests between mobile operators and payment service providers, the direction The development is slow; the second is to limit the terminal, such as the smart SD card solution, because of the strong dependence on the SD card, especially as the cost of the current memory industry decreases, the number of external SD card mobile terminals has decreased. In view of the above problems in the related art, an effective solution has not yet been proposed. SUMMARY OF THE INVENTION In the related art, the existing mobile payment solution has technical problems such as restrictions on the user and the terminal.
  • the embodiment of the present invention provides a method and an apparatus for implementing mobile payment, so as to at least solve the above problem.
  • a method for implementing mobile payment is provided, which is implemented by a financial smart card installed in a mobile terminal, where the method includes: the financial smart card acquiring a transaction generated when it conducts a transaction with an external reader. Payment information; the financial smart card sends the payment information to the UnionPay settlement system through the mobile terminal for payment processing. Preferably, before the financial smart card sends the payment information to the UnionPay settlement system for payment processing by using the mobile terminal, the method includes: the financial smart card encrypting the payment information.
  • the financial smart card sends the payment information to the UnionPay settlement system through the mobile terminal for payment processing, including: the UnionPay settlement system sends the payment information to the issuing bank system of the financial smart card for verification, and Information indicating the authorized payment is fed back to the mobile terminal after the verification is passed.
  • a method for implementing a mobile payment is provided, which is implemented by a mobile terminal installed with a financial smart card, the method comprising: the mobile terminal receiving payment information from the financial smart card, where The payment information is payment information generated when the financial smart card performs a transaction with an external reader; the mobile terminal sends the payment information to a UnionPay settlement system for transaction payment.
  • the method before the mobile terminal receives the payment information from the financial smart card, the method includes: the financial smart card encrypting the payment information.
  • the financial smart card sends the transaction information to the UnionPay settlement system through the mobile terminal for payment processing, including: the UnionPay settlement system sends the payment information to the issuing bank system of the financial smart card for verification, and The information of the authorized payment is fed back to the mobile terminal after the verification is passed.
  • the method includes: the banknote settlement system encrypts the payment information before the banknote settlement system sends the payment information to the issuing system of the financial smart card for verification.
  • a mobile payment implementation apparatus implemented by a financial smart card installed in a mobile terminal, where the apparatus includes: an acquisition module configured to acquire the financial smart card and an external reader And the sending module is configured to send the payment information to the UnionPay settlement system for payment processing by using the mobile terminal.
  • the device includes: an encryption module, configured to perform encryption processing on the payment information.
  • a mobile payment implementation apparatus which is implemented by a mobile terminal installed with a financial smart card, and the apparatus includes: a receiving module, configured to receive payment information from the financial smart card, where The payment information is payment information generated when the financial smart card performs a transaction with an external reader; and the sending module is configured to send the payment information to the UnionPay settlement system for transaction payment.
  • the financial smart card is used to acquire the payment information generated when the transaction is performed with the external reader, and the payment information is sent to the UnionPay settlement system for payment processing, and the existing mobile payment scheme is solved in the related art.
  • the user and the terminal have technical problems such as restrictions, and thus the mobile payment method is dominated by UnionPay without being constrained by the mobile operator.
  • FIG. 1 is a flow chart of a method for implementing mobile payment according to an embodiment of the present invention
  • FIG. 2 is a structural block diagram of an apparatus for implementing mobile payment according to an embodiment of the present invention
  • FIG. 4 is a block diagram of a method for implementing another mobile payment according to an embodiment of the present invention
  • FIG. 5 is a structural block diagram of another apparatus for implementing mobile payment according to an embodiment of the present invention
  • 6 is a flowchart of a contactless mobile payment method according to a preferred embodiment of the present invention
  • FIG. 8 is a schematic structural diagram of a financial smart card according to an embodiment of the present invention
  • FIG. 8 is another schematic diagram of a financial smart card according to an embodiment of the present invention
  • FIG. 9 is a schematic structural diagram of a mobile terminal according to a preferred embodiment of the present invention
  • FIG. 10 is a schematic structural diagram of a financial smart card according to a preferred embodiment of the present invention
  • FIG. 11 is a structure of a near field communication antenna according to an embodiment of the present invention
  • FIG. 12 is a schematic diagram of a connection manner between a financial smart card and a near field communication antenna according to a preferred embodiment of the present invention.
  • BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict.
  • the following embodiments mainly provide corresponding solutions from the following perspectives: Banks through the UnionPay interbank transaction clearing system (ie, UnionPay settlement system) , to achieve inter-system connectivity, and thus enable bank cards to be used across banks, regions and inter-mirrors.
  • UnionPay interbank transaction clearing system ie, UnionPay settlement system
  • FIG. 1 is a flowchart of a method for implementing mobile payment according to an embodiment of the present invention.
  • the method in this embodiment is implemented by a financial smart card installed in the mobile terminal.
  • the method includes: Step S102: The financial smart card acquires payment information generated when the transaction is performed with an external reader; Step S104, The financial smart card sends the above payment information to the UnionPay settlement system through the mobile terminal for payment processing.
  • the financial smart card can communicate with the external reader (may be near field wireless communication), the payment information generated during the transaction is acquired, and the payment information is sent to the UnionPay settlement system for payment by the mobile terminal.
  • the processing therefore, fundamentally avoids many restrictions on users and terminals, and realizes that the mobile payment method is dominated by UnionPay without being bound by the mobile operator.
  • the financial smart card is also called a financial IC card or a chip bank card, and is a bank card with a chip as a medium.
  • the chip card has a large capacity and can store keys, digital certificates, fingerprints and the like. Its working principle is similar to that of a microcomputer, and it can handle multiple functions at the same time, providing cardholders with the convenience of one card.
  • Financial IC card is also called a financial IC card or a chip bank card, and is a bank card with a chip as a medium.
  • the chip card has a large capacity and can store keys, digital certificates, fingerprints and the like. Its working principle is similar to that of
  • the financial smart card may encrypt the payment information before the financial smart card sends the payment information to the UnionPay settlement system through the mobile terminal for payment processing.
  • the financial smart card sends the payment information to the UnionPay settlement system through the mobile terminal for payment processing, which may be expressed as follows:
  • the UnionPay settlement system sends the above payment information to the issuing bank system of the financial smart card for verification, and passes the verification.
  • the backward mobile terminal feeds back information indicating the authorized payment.
  • the UnionPay settlement system may perform the encryption process on the payment information again before transmitting the payment information to the card issuing system.
  • the payment information may be encrypted before the banknote settlement system sends the payment information to the issuing system of the financial smart card for verification.
  • a mobile payment implementation device is also provided, which is implemented by a financial smart card installed in the mobile terminal, that is, may be located in a financial smart card, and is used to implement the foregoing embodiments and preferred embodiments. The description will not be repeated, and the modules involved in the device will be described below.
  • the term "module” may implement a combination of software and/or hardware of a predetermined function.
  • the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and conceivable.
  • 2 is a structural block diagram of an apparatus for implementing mobile payment according to an embodiment of the present invention. As shown in FIG. 2, the device includes: an obtaining module 20, connected to the sending module 22, configured to acquire payment information generated when a financial smart card performs a transaction with an external reader; and a sending module 22 configured to pass the payment information through the mobile terminal Send to the UnionPay settlement system for payment processing.
  • the foregoing apparatus may further include, but not limited to: an encryption module 24, connected to the sending module 22, configured to perform encryption processing on the payment information.
  • an encryption module 24 connected to the sending module 22, configured to perform encryption processing on the payment information.
  • each of the above modules may be in a processor, for example: each of the above modules is in a processor: a processor, comprising: the foregoing obtaining module 20, the sending module 22 and/or the encryption module 24; or Each of the modules is located in a corresponding processor: the obtaining module 20 is located in the first processor, the sending module 22 is located in the second processor, and/or the encryption module 24 is located in the third processor, or Two of the above three modules are located in one processor, and the remaining one is located in another processor.
  • 4 is a flow chart of another method of implementing mobile payment according to an embodiment of the present invention. The method is implemented by a mobile terminal installed with a financial smart card. As shown in FIG.
  • the method includes: Step S402: The mobile terminal receives payment information from a financial smart card, where the payment information is a transaction between a financial smart card and an external reader. The generated payment information; Step S404, the mobile terminal sends the above payment information to the UnionPay settlement system for transaction payment.
  • the financial smart card encrypts the payment information before the mobile terminal receives the payment information from the financial smart card.
  • the financial smart card sends the transaction information to the UnionPay settlement system through the mobile terminal for payment processing, which can be expressed in the following form:
  • the UnionPay settlement system sends the payment information to the issuing bank system of the financial smart card for verification, and after the verification is passed to the mobile terminal Feedback information authorized for payment.
  • the embodiment further implements a mobile payment implementation device, which is implemented by a mobile terminal installed with a financial smart card.
  • the device includes: a receiving module 50 connected to the sending module. 52. Set to receive payment information from the financial smart card, where the payment information is payment information generated when the financial smart card performs a transaction with an external reader; and the sending module 52 is configured to send the payment information to the UnionPay settlement.
  • the system makes transaction payments.
  • the main design idea of the following preferred embodiment is to utilize the existing SIM card slot interface on the existing multi-card (for example, dual-card) smart mobile terminal, and use the financial smart card (ie, the above-mentioned financial smart card) to implement the existing communication protocol.
  • the communication between the financial smart card and the intelligent mobile terminal, and the mobile wireless payment service of the consumer is realized by the basic wireless communication function of the mobile terminal.
  • it can be realized that such mobile payment service is only led by UnionPay, and is not subject to the mobile communication operator, thereby improving the security of the mobile payment service.
  • 6 is a flow chart of a contactless mobile payment method in accordance with a preferred embodiment of the present invention. As shown in FIG.
  • the method includes: Step S602: The card issuing bank stores the user information in a financial smart card with a security chip and a communication module according to the information provided by the user; in step S604, the user sets the mobile terminal and the POS terminal. Closely, performing near field communication with the terminal such as the POS terminal through the near field antenna of the mobile terminal, and the financial smart card establishes communication with the mobile terminal through the built-in communication module; Step S608, the mobile terminal establishes with the UnionPay settlement system through its wireless communication function
  • the financial smart card performs financial encryption on the mobile payment information through its internal security chip; step S612, the mobile terminal sends the mobile payment information encrypted by the financial smart card to the UnionPay settlement system through the mobile terminal; Step S614, the UnionPay settlement system re-encrypts the obtained financial smart card encryption information and transaction information to the issuing bank system for verification, and completes the mobile payment.
  • a financial smart card is further provided.
  • the financial smart card includes: a first communication module 70, coupled to an external reader, and configured to generate a transaction with an external reader.
  • the payment information is sent to the mobile terminal.
  • the financial smart card may further include: a security chip 72, connected to the first communication module 70, configured to encrypt the payment information, and send the encrypted payment information to the mobile terminal.
  • the shape of the financial smart card is adapted to the SIM card slot in the mobile terminal, that is, the shape of the financial smart card is the same as the shape of the SIM card.
  • a mobile terminal is further provided, where the mobile terminal includes: at least two SIM card slots, the financial smart card described in the above embodiment, the financial smart card is installed in at least two SIM card slots One of the SIM card slots.
  • the mobile terminal includes: a financial smart card (90), an antenna (Antenna) 92, an application processor (AP) 94, a modem (Modem) 96, and a SIM card (Card). 98 and so on.
  • Financial smart card 90 a financial smart card based on the IS07816 transmission protocol. Compared with the ordinary financial IC card, it is similar in appearance to the SIM card of the mobile terminal. Meanwhile, as shown in FIG. 10, the financial smart card includes a new one: the communication module 100 (corresponding to the first communication module 70) and the security chip 102. , used to complete online payment, storage of financial data, keys and other sensitive information.
  • the communication module 100 corresponding to the first communication module 70
  • the security chip 102 used to complete online payment, storage of financial data, keys and other sensitive information.
  • Antenna 92 Includes a loop antenna set for near field communication and an air interface communication antenna for mobile terminals.
  • the loop antenna used for near field communication has a frequency of 13.56 MHz, and completes a mobile payment transaction with a terminal such as a POS machine.
  • the air interface communication antenna of the mobile terminal is a common antenna of the existing intelligent mobile terminal, such as a terminal antenna operating in a CDMA, WCDMA, TD-SCDMA or LTE system, and performs a mobile payment communication service function with the UnionPay server.
  • the structure of the near field communication antenna can be seen in Figure 11.
  • the application processor 94 runs an open operating system and is responsible for the control of the entire system. In addition to the general application processor functions of existing smartphones, it also supports specific interfaces that interact with financial smart cards, such as IS07816 interface, USB interface, and Secure Wire Protocol (SWP) interface.
  • Modem 96 An important module for voice call and data services of mobile phones. It mainly performs A/D conversion, D/A conversion, encoding and decoding of digital voice signals, channel codec and timing control of wireless modem parts. Combined with the antenna, the wireless communication function between the mobile terminal and the base station is realized.
  • SIM card 98 Internally stores the information of the mobile terminal client, the encrypted key and the user's phone book and other contents, which can be authenticated by the mobile network client identity, and encrypt the voice information of the client during the call.
  • a terminal device such as a near field communication antenna and a POS machine to generate a radio frequency field modulated for communication.
  • the antenna frequency works at
  • Figure 12 shows the appearance of the financial smart card and the connection with the near field communication antenna.
  • the information interaction between the financial smart card mobile terminal equipped with the near field communication antenna and the reader such as the POS machine satisfies the IS014443 contactless IC card standard protocol.
  • the financial smart card carrying the user information and the key and the communication module required for near field communication needs to be inserted in the card slot of the mobile terminal.
  • the financial smart card and the corresponding card slot are not substantially different from the general SIM card and the card slot, and only need two more near field communication contact pins than the general 6 pin foot SIM card.
  • Figure 12 shows the 8 pin corresponding to the financial smart card, which is the same size as the SIM card of the general mobile terminal.
  • the new type of financial smart card used in this embodiment differs in internal functions in addition to the difference in appearance. It integrates a dedicated security chip to store sensitive information such as financial data and keys, and it adds a communication module for users to pay for mobile payments.
  • the communication module supports some common interfaces, such as IS07816, SWP, USB interface and so on. At the same time, the new communication module does not affect the security of the financial smart card.
  • the structure of the financial smart card can be seen in Figure 10.
  • the AP is responsible for processing and transmitting relevant information in the mobile payment transaction process.
  • communication and data and signaling are carried out through dedicated interfaces, such as IS07816 and financial smart cards.
  • data is transmitted with the mobile terminal Modem, and air interface communication is completed through the mobile terminal antenna, and the financial system server is recommended to link and complete the mobile.
  • Payment of authentication and transaction records during the transaction process is performed.
  • the existing SIM card slot of the mobile terminal is used, and a specific financial smart card integrated with the current financial system is used, and the basic communication function of the mobile terminal is utilized to complete the mobile payment transaction.
  • a contactless mobile payment system includes: an intelligent mobile terminal with a SIM card slot, a financial smart card, a near field communication antenna, a UnionPay settlement system, a card issuing system, and a POS terminal system.
  • Mobile terminal near field communication On the one hand, the antenna communicates with the P0S terminal system through IS014443 protocol in the near field. At the same time, the near field communication antenna is connected with the financial smart card to complete the transaction information transmission.
  • the financial smart card is connected to the intelligent mobile terminal application processor system through, but not limited to, the IS07816 interface, the SWP interface, the USB interface, etc., and completes signaling interaction and information transmission in the mobile payment process through the related interface protocol.
  • the application processor system and the modem system of the mobile terminal and the mobile terminal antenna are connected with the UnionPay settlement system, and the UnionPay settlement system is connected with the issuer system.
  • the mobile terminal and the UnionPay settlement system mainly complete the data transmission and signaling interaction in the mobile payment process, and may be the basic communication function of the intelligent mobile terminal, or may be a WiFi wireless communication system, or may be other wireless devices provided by the mobile terminal. Subsystem of communication functions, etc.
  • the security chip function unit of the financial smart card is used for encrypting mobile payment user information and mobile payment transaction information, and the main function of the communication module is to complete information and signaling transmission with the mobile terminal.
  • the foregoing embodiments achieve the following beneficial effects:
  • the foregoing embodiment can implement Banking-led, bank participation, and is not bound by the mobile operator, and the user can freely select the mobile operator network and the mobile terminal to implement the mobile payment service. .
  • the issuance of financial smart cards is basically the same as the current bank card issuance process, and the operability is strong; the card issuer still maintains the card issuance and masters the user information; in the marketing and management of card issuance, the existing organizational structure and process of UnionPay and the bank need not be adjusted; In terms of ordering and production, there is no need to adjust the existing card-making methods and processes of UnionPay and the bank.
  • the financial smart card can exchange data with the intelligent mobile terminal, it can also access the bank card application, download, report loss, unhooking and other management operations of the financial smart card by accessing the UnionPay trusted service management system TSM, or connect to the bank.
  • Mobile banking can perform operations such as account management, and can also connect to UnionPay's mobile business district for remote consumption, air storage or cardholder service platforms connected to UnionPay to enjoy credit card repayments, public utility payments, coupons, points, etc. provided by UnionPay. Cardholder service business.
  • a general-purpose computing device which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices.
  • they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein.

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Abstract

本发明提供了一种移动支付的实现方法及装置，其中，上述实现方法，通过安装于移动终端中的金融智能卡实现，该方法包括：所述金融智能卡获取其在与外界阅读器进行交易时产生的支付信息；所述金融智能卡将所述支付信息通过移动终端发送至银联结算***进行支付处理。采用本发明提供的上述技术方案，解决了相关技术中，现有的移动支付方案对用户和终端存在限制等技术问题，进而可以实现移动支付方式由银联主导的而不受移动运营商约束的效果。

Description

移动支付的实现方法及装置 技术领域 本发明涉及移动通信领域， 具体而言， 涉及一种移动支付的实现方法及装置。 背景技术 近年来， 随着互联网技术及移动通信技术的飞速发展， 特别是智能手机的快速发 展， 极大地推动了移动支付产业的迅速崛起， 来自产业相关的各方不断推出灵活多样 的创新型移动支付服务， 在社会生活中产生了巨大的影响。 所谓移动支付是指交易双方为了某种货物或者业务， 通过移动终端设备进行商业 交易， 移动支付所使用的移动终端可以是手机、 个人数字助理 （Personal Digital Assistant ， 简称为 PDA)、 移动个人计算机 （Personal Computer, 简称为 PC) 等。 但是， 移动支付整个产业链和价值链复杂， 涉及行业和服务商众多， 包括移动运 营商、 移动设备商、 支付服务商 （如银行、 银联）、 应用提供商 （公交、 校园、 公共事 业等）、 终端用户等。 目前在移动支付领域， 由于价值链的分配问题， 各方都想争夺移 动支付产业链的主导权， 以期获得整个价值链的主导权。 目前主流的移动支付有： 近 场通信 （又称为近距离无线通信， Near Field Communication, 简称为 NFC)-用户识别 模块 （Subscriber Identity Module, 简称为 SIM)、 独立 NFC终端、 智能 SD卡等， 即 可以通过手机 SIM卡、 独立 NFC芯片、 智能 SD卡等不同载体实现移动支付。 但是， 由于移动支付本身涉及的产业链现状， 现行的方案也存在一些自身缺点： 一是对用户的限制，比如 NFC-SIM,由于涉及到移动运营商和支付服务商之间的利益， 该方向发展缓慢； 二是对终端有所限制， 比如智能 SD卡方案， 由于对 SD卡的依赖较 强， 特别是随着现行存储器行业的成本降低， 外置 SD卡的移动终端数量有所下降。 针对相关技术中的上述问题， 目前尚未提出有效的解决方案。 发明内容 针对相关技术中， 现有的移动支付方案对用户和终端存在限制等技术问题， 本发 明实施例提供了一种移动支付的实现方法及装置， 以至少解决上述问题。 根据本发明的一个实施例， 提供了一种移动支付的实现方法， 通过安装于移动终 端中的金融智能卡实现， 所述方法包括： 所述金融智能卡获取其在与外界阅读器进行 交易时产生的支付信息； 所述金融智能卡将所述支付信息通过移动终端发送至银联结 算***进行支付处理。 优选地， 所述金融智能卡将所述支付信息通过移动终端发送至银联结算***进行 支付处理之前， 包括： 所述金融智能卡对所述支付信息进行加密处理。 优选地， 所述金融智能卡将所述支付信息通过移动终端发送至银联结算***进行 支付处理， 包括： 所述银联结算***将所述支付信息发送至所述金融智能卡的发卡行 ***进行验证， 并在验证通过后向所述移动终端反馈用于指示授权支付的信息。 根据本发明的再一个实施例， 提供了一种移动支付的实现方法， 通过安装有金融 智能卡的移动终端实现， 所述方法包括： 所述移动终端接收来自所述金融智能卡的支 付信息， 其中， 所述支付信息为所述金融智能卡与外界阅读器进行交易时产生的支付 信息； 所述移动终端将所述支付信息发送至银联结算***进行交易支付。 优选地， 所述移动终端接收来自所述金融智能卡的支付信息之前， 包括： 所述金 融智能卡对所述支付信息进行加密处理。 优选地， 所述金融智能卡将所述交易信息通过移动终端发送至银联结算***进行 支付处理， 包括： 所述银联结算***将所述支付信息发送至所述金融智能卡的发卡行 ***进行验证， 并在验证通过后向所述移动终端反馈授权支付的信息。 优选地， 所述银联结算***将所述支付信息发送至所述金融智能卡的发卡行*** 进行验证之前， 包括： 所述银联结算***对所述支付信息进行加密处理。 根据本发明的再一个实施例， 提供了一种移动支付的实现装置， 通过安装于移动 终端中的金融智能卡实现， 所述装置包括： 获取模块， 设置为获取在所述金融智能卡 与外界阅读器进行交易时产生的支付信息； 发送模块， 设置为将所述支付信息通过移 动终端发送至银联结算***进行支付处理 优选地， 上述装置包括： 加密模块， 设置为对所述支付信息进行加密处理。 根据本发明的又一个实施例， 提供一种移动支付的实现装置， 通过安装有金融智 能卡的移动终端实现， 所述装置包括： 接收模块， 设置为接收来自所述金融智能卡的 支付信息， 其中， 所述支付信息为所述金融智能卡与外界阅读器进行交易时产生的支 付信息； 发送模块， 设置为将所述支付信息发送至银联结算***进行交易支付。 通过本发明， 利用金融智能卡获取与外界阅读器进行交易时产生的支付信息， 并 将该支付信息发送至银联结算***进行支付处理的技术手段， 解决了相关技术中， 现 有的移动支付方案对用户和终端存在限制等技术问题， 进而可以实现移动支付方式由 银联主导的而不受移动运营商约束的效果。 附图说明 此处所说明的附图用来提供对本发明的进一步理解， 构成本申请的一部分， 本发 明的示意性实施例及其说明用于解释本发明， 并不构成对本发明的不当限定。 在附图 中- 图 1为根据本发明实施例的移动支付的实现方法的流程图； 图 2为根据本发明实施例的移动支付的实现装置的结构框图； 图 3为根据本发明实施例的移动支付的实现装置的另一结构框图； 图 4为根据本发明实施例的另一移动支付的实现方法的流程图； 图 5为根据本发明实施例的另一移动支付的实现装置的结构框图； 图 6为根据本发明优选实施例的非接触式移动支付方法的流程图； 图 Ί为根据本发明实施例的金融智能卡的结构示意图； 图 8为根据本发明实施例的金融智能卡的另一结构示意图； 图 9为根据本发明优选实施例的移动终端的结构示意图； 图 10为根据本发明优选实施例的金融智能卡的结构示意图； 图 11为根据本发明实施例的近场通信天线的结构示意图； 图 12为根据本发明优选实施例的金融智能卡与近场通信天线连接方式示意图。 具体实施方式 下文中将参考附图并结合实施例来详细说明本发明。 需要说明的是， 在不冲突的 情况下， 本申请中的实施例及实施例中的特征可以相互组合。 考虑到相关技术中的移动支付方案存在对用户和终端的诸多限制等问题， 以下实 施例主要从以下角度出发， 提供了相应的解决方案： 各银行通过银联跨行交易清算系 统（即银联结算***）， 实现了***间的互联互通， 进而使银行卡得以跨银行、跨地区 和跨镜使用。 在移动支付领域， 移动终端是其重要载体， 相对于移动运营商， 银联有 一套完整的清算***， 因此， 充分利用移动终端的现有特点， 减少移动支付产业链中 的移动运营商的关键性要素， 移动支付产业的复杂度相对减小。 图 1为根据本发明实施例的移动支付的实现方法的流程图。 本实施例中的方法通 过安装于移动终端中的金融智能卡实现， 如图 1所示， 该方法包括： 步骤 S102， 金融智能卡获取其在与外界阅读器进行交易时产生的支付信息； 步骤 S104，金融智能卡将上述支付信息通过移动终端发送至银联结算***进行支 付处理。 通过上述各个处理步骤， 由于金融智能卡可以与外界阅读器进行通信 （可以为近 场无线通信）， 从而获取到交易时产生的支付信息， 并利用移动终端将该支付信息发送 至银联结算***进行支付处理， 因此， 从根本上避免了对用户及终端的诸多限制， 并 且实现了移动支付方式由银联主导的而不受移动运营商约束。 其中， 金融智能卡又称为金融 IC卡或芯片银行卡， 是以芯片作为介质的银行卡。 芯片卡容量大， 可以存储密钥、 数字证书、 指纹等信息， 其工作原理类似于微型计算 机， 能够同时处理多种功能， 为持卡人提供一卡多用的便利。 金融 IC卡是由商业银行
(信用社） 或支付机构发行的， 采用集成电路技术， 遵循金融行业标准， 具有消费信 用、 转账结算、 现金存取全部或部分金融功能， 可以具有其他商业服务和社会管理功 能的金融工具。 为了加强支付过程中的安全性， 在金融智能卡将支付信息通过移动终端发送至银 联结算***进行支付处理之前， 金融智能卡可以对上述支付信息进行加密处理。 在本实施例中， 金融智能卡将支付信息通过移动终端发送至银联结算***进行支 付处理可以表现为以下形式： 银联结算***将上述支付信息发送至金融智能卡的发卡 行***进行验证， 并在验证通过后向移动终端反馈用于指示授权支付的信息。 在该处 理过程中， 为了进一步加强支付过程的安全性， 银联结算***可以在向发卡行***发 送上述支付信息之前， 对上述支付信息再次进行加密处理。 为了进一步加强支付过程中的安全性， 在银联结算***将所述支付信息发送至金 融智能卡的发卡行***进行验证之前， 还可以对上述支付信息进行加密处理。 在本实施例中还提供了一种移动支付的实现装置， 该装置通过安装于所述移动终 端中的金融智能卡实现， 即可以位于金融智能卡中， 用于实现上述实施例及优选实施 方式， 已经进行过说明的不再赘述， 下面对该装置中涉及到的模块进行说明。 如以下 所使用的， 术语"模块"可以实现预定功能的软件和 /或硬件的组合。 尽管以下实施例所 描述的装置较佳地以软件来实现， 但是硬件， 或者软件和硬件的组合的实现也是可能 并被构想的。 图 2为根据本发明实施例的移动支付的实现装置的结构框图。 如图 2所 示， 该装置包括： 获取模块 20，连接至发送模块 22， 设置为获取在金融智能卡与外界阅读器进行交 易时产生的支付信息； 发送模块 22， 设置为将支付信息通过移动终端发送至银联结算***进行支付处 理。 通过上述各个模块实现的功能， 同样可以从根本上避免了对用户及终端的诸多限 制， 并且实现了移动支付方式由银联主导的而不受移动运营商约束。 在本实施例中， 为了加强支付过程的安全性， 如图 3所述， 上述装置还可以包括 但不限于： 加密模块 24， 与发送模块 22连接， 设置为对上述支付信息进行加密处理。 正如上面所述， 本实施例中涉及到的上述各个模块既可以通过软件来实现， 也可 以通过相应地硬件来实现。 例如， 上述各个模块均可以处在处理器中， 例如： 上述各 个模块均处于一个处理器中： 一种处理器， 包括： 上述获取模块 20， 上述发送模块 22 和 /或加密模块 24; 或者上述各个模块分别处于一个对应的处理器中： 上述获取模块 20， 位于第一处理器中， 上述发送模块 22位于第二处理器中， 和 /或上述加密模块 24 位于三第处理器中， 或者， 上述三个模块中的其中两个模块位于一个处理器中， 剩余 的另一个模块位于另外一个处理器中。 图 4为根据本发明实施例的另一移动支付的实现方法的流程图。 该方法通过安装 有金融智能卡的移动终端实现， 如图 4所示， 该方法包括： 步骤 S402， 移动终端接收来自金融智能卡的支付信息， 其中， 该支付信息为金融 智能卡与外界阅读器进行交易时产生的支付信息； 步骤 S404， 移动终端将上述支付信息发送至银联结算***进行交易支付。 同样地， 为了加强支付过程的安全性， 在移动终端接收来自金融智能卡的支付信 息之前， 金融智能卡对支付信息进行加密处理。 并且， 金融智能卡将交易信息通过移动终端发送至银联结算***进行支付处理， 可以表现为以下形式： 银联结算***将支付信息发送至金融智能卡的发卡行***进行 验证， 并在验证通过后向移动终端反馈授权支付的信息。 为了实现图 4中的方法， 本实施例还一种移动支付的实现装置， 该装置通过安装 有金融智能卡的移动终端实现， 如图 5所示， 该装置包括： 接收模块 50， 连接至发送模块 52， 设置为接收来自所述金融智能卡的支付信息， 其中， 该支付信息为所述金融智能卡与外界阅读器进行交易时产生的支付信息； 发送模块 52， 设置为将上述支付信息发送至银联结算***进行交易支付。 为了更好地理解上述实施例中的支付过程， 以下结合上述实施例的优选实施例详 细说明。 以下优选实施例的主要设计思想在于， 利用现有的多卡 （例如双卡） 智能移 动终端上的 SIM卡槽接口， 通过使用金融智能卡 （即上述金融智能卡）， 通过现有的 通信协议， 实现金融智能卡与智能移动终端间的通信， 并借助移动终端基本的无线通 信功能实现消费者的移动支付业务。 同时，可以实现这种移动支付业务仅由银联主导， 而不受制于移动通信运营商， 提高移动支付业务的安全性。 图 6为根据本发明优选实施例的非接触式移动支付方法的流程图。 如图 6所示， 该方法包括： 步骤 S602， 发卡行根据用户提供的信息， 将用户信息存储在带有安全芯片和通信 模块的金融智能卡中； 步骤 S604， 用户将移动终端与 POS机等终端靠近， 通过移动终端的近场天线与 POS机等终端进行近场通讯 步骤 S606， 金融智能卡通过其内置的通信模块与移动终端建立通信； 步骤 S608， 移动终端通过其无线通信功能与银联结算***建立通信； 步骤 S610， 金融智能卡通过其内部安全芯片对移动支付信息进行金融加密； 步骤 S612，移动终端将金融智能卡加密后的移动支付信息通过移动终端发送给银 联结算***； 步骤 S614，银联结算***将获得的金融智能卡加密信息和交易信息再加密发给发 卡行***进行验证， 完成移动支付。 在本实施例中， 还提供了一种金融智能卡， 如图 7所示， 该金融智能卡包括： 第一通信模块 70， 与外界阅读器进行耦合连接， 设置为将与外界阅读器进行交易 时产生的支付信息发送至移动终端。 优选地， 如图 8所示， 上述金融智能卡还可以包括： 安全芯片 72， 与第一通信模 块 70进行连接，设置为将支付信息进行加密，并将加密后的支付信息发送至移动终端。 如图 10所示， 金融智能卡的形状与移动终端中的 SIM卡卡槽相适应， 即金融智 能卡形状与 SIM卡形状相同。 在本实施例中，还提供了一种移动终端，该移动终端包括： 至少两个 SIM卡卡槽， 以上实施例中所述的金融智能卡， 该金融智能卡安装于至少两个 SIM卡卡槽中的其中 一个 SIM卡卡槽。 为了更好地理解上述实施例， 以下结合图 9详细说明。 如图 9所示，该移动终端包括：金融智能卡（Finance Smart Card)90、天线（Antenna) 92、 应用处理器 （Application Processor, 简称为 AP) 94、 调制解调器 （Modem) 96、 SIM 卡 （Card) 98等。
( 1 ) 金融智能卡 90， 一种基于 IS07816传输协议的金融智能卡。 与普通的金融 IC卡相比， 外观上与移动终端 SIM卡相似， 同时， 如图 10所示， 该金融智能卡包括 新增的： 通讯模块 100 (相当于第一通信模块 70) 和安全芯片 102， 用来完成在线支 付、 存储金融数据、 密钥等敏感信息。
(2) 天线 92: 包括设置为近场通信的环状天线和移动终端空口通信天线。 其中 用于近场通信的环状天线， 其频率工作在 13.56MHz, 完成与 POS机等终端机的移动 支付交易。 移动终端空口通信天线为现有智能移动终端普通天线， 如工作在 CDMA、 WCDMA、 TD-SCDMA或 LTE等制式的终端天线， 完成与银联服务器之间的移动支 付通信业务功能。 近场通信天线的结构可以参见图 11所示。
( 3 ) 应用处理器 94， 运行开放式操作***， 负责整个***的控制。 除现有智能 手机一般应用处理器功能外， 还支持与金融智能卡进行交互的特定接口， 如 IS07816 接口、 USB接口、 安全工作压力 （Single Wire Protocol, 简称为 SWP) 接口等。 (4) 调制解调器 96: 手机语音通话和数据业务的重要模块， 主要完成语音信号 的 A/D转换、 D/A转换、 数字语音信号的编解码、 信道编解码和无线 modem部分的 时序控制等。 与天线结合， 实现移动终端和基站空口无线通信功能。
(5 ) SIM卡 98: 内部存储了移动终端客户的信息， 加密的密钥以及用户的电话 簿等内容， 可供移动网络客户身份进行鉴别， 并对客户通话时的语音信息进行加密。 移动支付过程中， 当用户使用带金融智能卡的移动终端进行消费和支付时， 由近 场通信天线和 POS机等终端机进行非接触式近场无线通信，产生一个被调制用来通信 的射频场， 能通过耦合给金融智能卡传送功率， 完成数据传送。 该天线频率工作在
13.56MHz, 与移动终端金融智能卡相连， 图 12示出了金融智能卡外观及与近场通信 天线连接方式。搭载有近场通信天线的金融智能卡移动终端与 POS机等阅读机之间的 信息交互满足 IS014443非接触式 IC卡标准协议。 承载用户信息和密钥以及近场通信所需通信模块的金融智能卡需要插在移动终端 的卡槽上。 金融智能卡和相应的卡槽与一般的 SIM卡和卡槽无本质上的区别， 只需比 一般 6 pin脚的 SIM卡多两个近场通信的接触 pin。 图 12示出了金融智能卡对应的 8 pin,该金融智能卡大小与一般移动终端的 SIM卡一致。本实施例所使用的这种新型金 融智能卡， 与现行普通银行卡或金融智能卡相比， 除外形上差别外， 在内部功能上还 有所区别。 其内部集成了一个专用安全芯片， 用来存储金融数据、 密钥等敏感信息， 同时其新增了用户移动支付时所付的通讯模块。 该通讯模块支持一些通用的接口， 如 IS07816、 SWP、 USB接口等。 同时， 新增的通讯模块并不影响金融智能卡的安全性 能。 金融智能卡的结构可以参见图 10所示。
AP负责处理移动支付交易过程中的相关信息并进行传送。 一方面通过专用接口， 如 IS07816和金融智能卡进行通讯和数据和信令传送， 另一方面， 与移动终端 Modem 进行数据传送， 并通过移动终端天线完成空口通信， 与金融***服务器建议链接， 完 成移动支付交易过程中的身份验证和交易记录。 本实施例利用目前移动终端现有的 SIM卡槽， 使用特定的与现行金融***融合的 金融智能卡， 并利用移动终端的基本通信功能， 完成移动支付交易。 为了更好地理解上述实施例中上述支付过程中移动终端和金融智能卡的动作， 以 下结合一种移动支付***详细说明。 一种非接触式移动支付***包括： 带 SIM卡槽的智能移动终端、 金融智能卡、 近 场通信天线、 银联结算***、 发卡行***以及 POS机终端***等。 移动终端近场通信 天线一方面与 P0S机终端***通过 IS014443协议进行近场通讯， 同时， 近场通讯天 线与金融智能卡连接， 完成交易信息传送。 金融智能卡通过包括但不限于 IS07816接 口、 SWP接口、 USB接口等与智能移动终端应用处理器***相连， 通过相关接口协议 完成移动支付过程中的信令交互和信息传输。 移动终端的应用处理器***和 Modem ***以及移动终端天线与银联结算***连接， 银联结算***与发卡行***连接。 其中 移动终端与银联结算***主要完成移动支付过程中的数据传输和信令交互， 可以是智 能移动终端的基本通信功能， 也可以是 WiFi无线通信***，还可以是移动终端自带的 其他具有无线通信功能的子***等。 其中， 金融智能卡的安全芯片功能单元用于对移 动支付用户信息和移动支付交易信息进行加密， 通信模块主要功能是完成与移动终端 的信息和信令传输。 综上所述， 上述实施例实现了以下有益效果： 采用上述实施例可以实现由银联主 导的， 银行参与， 不受移动运营商约束， 用户可以自由选择移动运营商网络和移动终 端实现移动支付业务。金融智能卡的发卡与现行银行发卡流程基本相同，可操作性强； 发卡机构仍保持发卡主导权， 掌握用户信息； 在发卡营销与管理上， 银联和银行现有 组织架构与流程无需调整； 在卡片订购与生产上， 银联和银行现有制卡方式与流程无 需调整。 同时， 由于金融智能卡能够与智能移动终端进行数据交互， 还可以通过接入 银联可信服务管理*** TSM对金融智能卡进行银行卡申请、下载、挂失、解挂等管理 操作， 也可以连接到银行的手机银行进行账户管理等操作， 还可以连接到银联的移动 商圈进行远程消费、空中圈存或者 连接银联的持卡人服务平台享受银联提供的*** 还款、 公共事业缴费、 优惠券、 积分等持卡人服务业务。 显然， 本领域的技术人员应该明白， 上述的本发明的各模块或各步骤可以用通用 的计算装置来实现， 它们可以集中在单个的计算装置上， 或者分布在多个计算装置所 组成的网络上， 可选地， 它们可以用计算装置可执行的程序代码来实现， 从而， 可以 将它们存储在存储装置中由计算装置来执行， 并且在某些情况下， 可以以不同于此处 的顺序执行所示出或描述的步骤， 或者将它们分别制作成各个集成电路模块， 或者将 它们中的多个模块或步骤制作成单个集成电路模块来实现。 这样， 本发明不限制于任 何特定的硬件和软件结合。 以上仅为本发明的优选实施例而已， 并不用于限制本发明， 对于本领域的技术人 员来说， 本发明可以有各种更改和变化。 凡在本发明的精神和原则之内， 所作的任何 修改、 等同替换、 改进等， 均应包含在本发明的保护范围之内。

Claims

权 利 要 求 书
1. 一种移动支付的实现方法， 通过安装于移动终端中的金融智能卡实现， 所述方 法包括：
所述金融智能卡获取其在与外界阅读器进行交易时产生的支付信息； 所述金融智能卡将所述支付信息通过移动终端发送至银联结算***进行支 付处理。
2. 根据权利要求 1所述的方法， 其中， 所述金融智能卡将所述支付信息通过移动 终端发送至银联结算***进行支付处理之前， 包括：
所述金融智能卡对所述支付信息进行加密处理。
3. 根据权利要求 1或 2所述的方法， 其中， 所述金融智能卡将所述支付信息通过 移动终端发送至银联结算***进行支付处理， 包括：
所述银联结算***将所述支付信息发送至所述金融智能卡的发卡行***进 行验证， 并在验证通过后向所述移动终端反馈用于指示授权支付的信息。
4. 一种移动支付的实现方法， 其中， 通过安装有金融智能卡的移动终端实现， 所 述方法包括：
所述移动终端接收来自所述金融智能卡的支付信息， 其中， 所述支付信息 为所述金融智能卡与外界阅读器进行交易时产生的支付信息；
所述移动终端将所述支付信息发送至银联结算***进行交易支付。
5. 根据权利要求 4所述的方法， 其中， 所述移动终端接收来自所述金融智能卡的 支付信息之前， 包括- 所述金融智能卡对所述支付信息进行加密处理。
6. 根据权利要求 4或 5所述的方法， 其中， 所述金融智能卡将所述交易信息通过 移动终端发送至银联结算***进行支付处理， 包括：
所述银联结算***将所述支付信息发送至所述金融智能卡的发卡行***进 行验证， 并在验证通过后向所述移动终端反馈授权支付的信息。 ，. 根据权利要求 6所述的方法， 其中， 所述银联结算***将所述支付信息发送至 所述金融智能卡的发卡行***进行验证之前， 包括：
所述银联结算***对所述支付信息进行加密处理。
8. 一种移动支付的实现装置， 通过安装于移动终端中的金融智能卡实现， 所述装 置包括：
获取模块， 设置为获取在所述金融智能卡与外界阅读器进行交易时产生的 支付信息；
发送模块， 设置为将所述支付信息通过移动终端发送至银联结算***进行 支付处理。
9. 根据权利要求 8所述的装置， 其中， 包括：
加密模块， 设置为对所述支付信息进行加密处理。
10. 一种移动支付的实现装置， 通过安装有金融智能卡的移动终端实现， 所述装置 包括：
接收模块， 设置为接收来自所述金融智能卡的支付信息， 其中， 所述支付 信息为所述金融智能卡与外界阅读器进行交易时产生的支付信息；
发送模块， 设置为将所述支付信息发送至银联结算***进行交易支付。
PCT/CN2013/079901 2013-06-07 2013-07-23 移动支付的实现方法及装置 WO2013174325A2 (zh)

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