WO2017193836A1 - Secure payment method and system related to point-of-sale terminal and based on signaling network - Google Patents

Secure payment method and system related to point-of-sale terminal and based on signaling network Download PDF

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Publication number
WO2017193836A1
WO2017193836A1 PCT/CN2017/082685 CN2017082685W WO2017193836A1 WO 2017193836 A1 WO2017193836 A1 WO 2017193836A1 CN 2017082685 W CN2017082685 W CN 2017082685W WO 2017193836 A1 WO2017193836 A1 WO 2017193836A1
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WO
WIPO (PCT)
Prior art keywords
payment
card
module
sales terminal
user
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PCT/CN2017/082685
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French (fr)
Chinese (zh)
Inventor
王根平
杨帆
朱旗
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深圳市欧乐在线技术发展有限公司
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Publication of WO2017193836A1 publication Critical patent/WO2017193836A1/en

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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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/352—Contactless payments by cards
    • 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

Definitions

  • the present invention relates to a sales terminal payment system, and in particular to a method and system for secure payment of a sales terminal based on a signaling network.
  • QR code payment has become the most important way to deal with offline payment by major third parties, but there are many problems in this mode: 1.
  • the QR code can be copied, causing the user to pay the error.
  • the merchant; 2 the QR code belongs to one-way authentication, only the user authenticates the merchant, and the merchant is offline in the payment process. 3. It belongs to a kind of pure internet payment, and there are many practical and inconvenient problems.
  • the present invention provides a method and system for secure payment of a sales terminal based on a signaling network to protect transaction security.
  • a method for secure payment of a sales terminal based on a signaling network which specifically includes the following steps:
  • the payment card establishes a communication channel with the sales terminal, and authenticates the payment card user information; [0008] the payment card obtains an electronic bill for the first time, and authenticates the electronic bill;
  • the user mobile terminal receives the electronic bill and sends the payment permission
  • the payment card is swiped for the second time for electronic bill payment
  • the payment success information is transmitted to the sales terminal and the user mobile terminal.
  • the payment card establishes a communication channel with the sales terminal, and authenticates the user information of the payment card, and specifically includes:
  • the sales terminal acquires user information of the payment card and transmits the authentication information to the user mobile terminal;
  • the user mobile terminal transmits the authentication payment card information to the sales terminal, and the communication channel is established.
  • the method further includes: the sales terminal receiving the shopping information of the cash register connected to the sales terminal and generating an electronic bill.
  • the sales terminal includes: a main control module, a 7816 interface connected to the main control module, a near field communication module, a WiFi module, a magnetic stripe card module, an RJ45 network module, the near field communication module and the magnetic
  • the card swipe module is connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
  • the payment card and the user mobile terminal respectively set a near field communication module, and the payment card establishes a communication connection with the sales terminal and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the sales The terminal implements a communication connection through the WiFi module.
  • the payment card is a UnionPay full card.
  • a signaling network-based secure payment system for a sales terminal comprising:
  • a cash register configured to generate a shopping receipt, wherein the shopping receipt includes shopping information
  • the sales terminal receives the shopping information of the cash register to generate an electronic bill, establishes communication with the payment card and the user mobile terminal, and sends an electronic bill;
  • a payment card configured to establish a communication channel with the sales terminal, and receive a payment request
  • a user mobile terminal configured to authenticate user information of the payment card, receive an electronic bill sent by the sales terminal, and confirm the payment request with the payment card.
  • the sales terminal includes: a main control module, a 7816 interface connected to the main control module, a near field communication module, a WiFi module, a magnetic stripe card module, an RJ45 network module, the near field communication module and the magnetic
  • the card swipe module is connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
  • the payment card and the user mobile terminal respectively set a near field communication module, and the payment card establishes a communication connection with the sales terminal and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the sales The terminal implements a communication connection through the WiFi module.
  • the payment card is a UnionPay full card.
  • the payment is not immediately paid, but the electronic bill of the payment is obtained from the sales terminal, and the electronic bill is transmitted to the user's mobile phone, and the user selects the payment channel and the input.
  • Important payment passwords, etc. solve the risk that the user's important data may be leaked on the merchant's sales terminal.
  • the electronic bill is transmitted to the user's mobile phone, the user is very convenient to view his own consumption information and select the payment channel that he trusts;
  • the secure transmission of the electronic bill ensures the security of the transaction process. After the user and the merchant have authenticated the line, the user and the merchant establish a secure channel pipeline to conduct an electronic bill payment transaction, which cannot be obtained by the outside world, and the electronic bill is transmitted in both directions. The delivery of peer electronic bills is automatically carried out following the business system. This can prevent the user's important data from being leaked on the merchant sales terminal. Since the electronic bill is transmitted to the user mobile terminal, the user can conveniently view his own consumption information and select the payment channel that he trusts;
  • FIG. 1 is a flowchart of a method for secure payment of a sales terminal based on a signaling network according to the present invention
  • FIG. 2 is a schematic diagram of a secure payment process of a sales terminal based on a signaling network according to the present invention
  • FIG. 3 is a flow chart of a WiFi channel of a sales terminal secure payment system based on a signaling network according to the present invention.
  • FIG. 4 is a schematic structural diagram of a sales terminal according to the present invention.
  • FIG. 5 is a structural diagram of a secure payment system for a sales terminal based on a signaling network according to the present invention.
  • FIG. 1 a flow chart of a secure payment method for a sales terminal based on a signaling network is provided.
  • a method for secure payment of a sales terminal based on a signaling network specifically includes the following steps: [0039] Step 101: A payment card establishes a communication channel with a sales terminal to authenticate user information of the payment card;
  • Step 102 The payment card acquires an electronic bill for the first time, and authenticates the electronic bill;
  • Step 103 The user mobile terminal receives the electronic bill and sends a payment permission;
  • Step 104 The payment card is swiped for the second time to perform electronic bill payment
  • Step 105 Send payment success information to the sales terminal and the user mobile terminal.
  • the sales terminal is a POS machine
  • the POS machine is taken as an example to describe the present invention in detail.
  • a secure connection channel is established between the payment card and the user mobile terminal, and the user can securely perform payment card payment through the mobile terminal, which is simple and convenient, can prevent leakage of user information and password, and effectively protects the user.
  • Information security improving the security of payment, using the payment process of the second card, the first time to obtain the electronic bill, and the information authentication with the user mobile terminal, after the user mobile terminal confirms, send the payment permission to the sales terminal, the payment card number
  • the second card is used for payment, and the payment card information and password information are input through the user mobile terminal to ensure the security of the user information.
  • the POS machine sends the successful payment information to the cash register and the user mobile terminal, which is convenient for the user to view.
  • the user mobile terminal is a smart phone or other device with a payment function.
  • the payment is not immediately paid, but the electronic bill for payment is obtained from the POS machine, and the electronic bill is transmitted to the user mobile terminal, and the electronic bill is securely transmitted to ensure the transaction process.
  • Security after the user and the merchant are authenticated offline, the user and the merchant establish a secure channel pipeline to conduct electronic bill payment transactions, which cannot be obtained by the outside world.
  • the electronic bill is transmitted in both directions, and the delivery of the electronic bill is automatically carried out following the business system. This can prevent the user's important data from leaking on the merchant POS machine. Since the electronic bill is transmitted to the user's mobile terminal, the user can conveniently view his own consumption information and select the payment channel that he trusts. 2 and FIG.
  • FIG. 2 is a schematic diagram of a secure payment process for a sales terminal based on a signaling network
  • FIG. 3 is a schematic diagram of a secure payment system for a sales terminal based on a signaling network.
  • Channel flow chart is a schematic diagram of a secure payment system for a sales terminal based on a signaling network.
  • the payment card establishes a communication channel with the POS machine, and authenticates the payment card user information, which specifically includes:
  • the POS machine acquires user information of the payment card and sends the authentication information to the user mobile terminal;
  • the user mobile terminal sends the authentication payment card information to the POS machine, and the communication channel is established.
  • the payment card establishes a communication connection with the POS machine
  • the specific process is that the payment card is close to the PO S machine, the near field communication on the payment card and the POS machine is started, and the POS machine obtains the user information of the payment card, and
  • the payment card sends the information to the user mobile terminal for user mobile terminal authentication.
  • the WiFi connection between the mobile phone and the POS device is initiated.
  • the WiFi connection is valid only for the authenticated mobile phone, and the mobile phone and the POS device are established. Secure communication pipeline.
  • the method further includes: the POS machine receiving the shopping information of the cash register connected to the POS machine and generating an electronic bill .
  • FIG. 4 it is a schematic structural diagram of a POS machine according to the present invention.
  • the POS machine includes: a main control module (also referred to as an SE module), a 781 6 interface connected to the main control module, and a near field communication module (Near Field Communication (also referred to as an NFC module),
  • a main control module also referred to as an SE module
  • a 781 6 interface connected to the main control module
  • a near field communication module Near Field Communication (also referred to as an NFC module)
  • the WiFi module, the magnetic stripe card module, the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a Serial Peripheral Interface (SPI), and the WiFi module and the RJ45 module are connected through the PCIe bus.
  • SPI Serial Peripheral Interface
  • the PCIe bus is short for PCI-Express. Refers to the latest bus and interface standards
  • the main control module is a core main control module of the POS machine, and the 7816 interface for inserting a card and the magnetic stripe swiping module for brushing magnetic strips are set on the POS machine, and various payment options can be selected for different payment cards.
  • the WiFi module By setting up the WiFi module, it is convenient to wirelessly connect with the user's mobile terminal or other devices.
  • the RJ45 network module can connect the POS machine with the external network to realize the connection with the payment service platform.
  • a near field communication module and a payment card are respectively disposed on the payment card and the user mobile terminal. Do not establish a communication connection with the POS machine and the user mobile terminal through the near field communication module, and the user mobile terminal and the POS machine realize the communication connection through the WiFi module.
  • the payment card may be a variety of financial cards, including a bank card, a credit card, a UnionPay full card with multiple payment card information, a card reading module on the POS machine, and a payment card may be implemented in different manners.
  • Payment transaction Preferably, the payment card is a UnionPay full card, and the UnionPay card records a plurality of payment card information on a card, and realizes payment account selection and payment service by communicating with the user's mobile phone.
  • FIG. 5 a structure diagram of a secure payment system for a sales terminal based on a signaling network is provided.
  • a signaling network-based secure payment system for a sales terminal includes:
  • a cash register configured to generate a shopping receipt, wherein the shopping receipt includes shopping information
  • the sales terminal receives the shopping information of the cash register to generate an electronic bill, establishes communication with the payment card and the user mobile terminal, and sends an electronic bill;
  • a payment card configured to establish a communication channel with the sales terminal, and receive a payment request
  • a user mobile terminal configured to authenticate user information of the payment card, receive an electronic bill sent by the sales terminal, and confirm the payment request with the payment card.
  • the POS machine comprises: a main control module, a 7816 interface connected to the main control module, a near field communication module, and a Wi
  • the Fi module, the magnetic stripe card module, the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
  • the 7816 interface is a standard bank card interface, compatible with the card consumption function of a financial card such as a bank card, and the protocol module of the main control module with the 7816 can realize the bank card with the 7816 interface on the POS machine.
  • the POS machine integrates a third-party NFC card reading module, and the card reading module communicates with the main control module through a serial peripheral interface, and allows the NFC function of various bank cards, transportation cards, etc. by setting a near field communication module.
  • the card products are consumed on the POS machine to realize the payment service related to NFC.
  • the POS machine integrates a third-party magnetic stripe card reading module to allow various types of bank cards, transportation cards and other card products having magnetic strips to be consumed on the POS machine, and the magnetic stripe card reading module and the main control module are serially connected. Set interface communication to perform payment services related to magnetic stripe.
  • the WiFi module is mainly used to connect a user mobile terminal that performs payment service on the POS machine, so as to expand the manner of payment service.
  • the access conditions of the user and the WiFi module are controlled by the main control module, in the main control module After the user's near field communication module is swiped, the magnetic stripe card reader module is swiped, or the 7816 interface card is used to verify the legitimacy of the user, the main control module generates a valid data of the allowed access conditions and sends it to the W i Fi.
  • the module, the peer is sent to the user mobile terminal via the payment card, and the user mobile terminal uses the allowed access condition to link the WiFi module to establish a secure link.
  • the RJ45 network module is mainly used for POS connection to an external network, so as to access the IPSS8 signaling system through the POS machine to access the POS payment service platform of UnionPay.
  • a near field communication module is respectively disposed on the payment card and the user mobile terminal, and the payment card establishes a communication connection with the POS machine and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the user mobile terminal respectively
  • the POS machine implements a communication connection through a WiFi module.
  • the payment card may be a variety of financial cards, including a bank card, a credit card, a UnionPay full card with multiple payment card information, and a card reading module on the POS machine, and the payment transaction of the payment card may be implemented in different manners.
  • the payment card is a UnionPay full card, and the UnionPay full card records a plurality of payment card information on one card, and realizes payment account selection and payment service by communicating with the user's mobile phone.
  • the user swipes the card on the POS machine to identify the user's financial domain identity, that is, the user information, and then uses the user's payment card to automatically authenticate both the mobile terminal and the POS device, so that the user mobile terminal automatically and securely Connect to the WiFi hotspot on the POS to establish a secure communication channel.
  • the user mobile terminal can be a mobile phone, IPAD, or other device that communicates with the payment card.
  • the process of establishing a secure channel through the WiFi module is as follows:
  • the UnionPay full card is close to the POS machine, the near field communication module near field communication is started, the main control module obtains the user information of the UnionPay full card, and authenticates the user identity, and the UnionPay full card sends information to the user mobile terminal for user mobile terminal authentication, After the certification is passed, the WiFi connection between the mobile phone and the POS machine is initiated.
  • the mobile phone and the UnionPay full card establish a secure communication channel, the electronic bill bed bottom to the user mobile terminal and the UnionPay full card, the user verifies the bill on the mobile phone, and selects the payment channel on the mobile phone. Enter the payment password, submit the payment application, and send the information after successful payment to the POS machine and the user mobile terminal.

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Abstract

Disclosed in the present invention are a secure payment method and system related to a point-of-sale terminal and based on a signaling network. The method specifically comprises the following steps: establishing a communication channel between a payment card and a point-of-sale (POS) terminal to verify user information of the payment card; acquiring an electronic bill by means of a swiping operation of the payment card for a first time, and verifying the electronic bill; receiving the electronic bill with a mobile terminal of the user, and sending payment permission; performing payment of the electronic bill by means of a swiping operation of the payment card for a second time; and sending payment success information to the point-of-sale terminal and the mobile terminal of the user. By employing secure transmission of an electronic bill, the present invention ensures security during a transaction process, and a secure communication channel is established between a user and a merchant after both parties perform real-time offline verification, thus preventing important data of a user from being leaked by a POS terminal of the merchant.

Description

发明名称：一种基于信令网的销售终端安全支付方法及*** 技术领域  Title of Invention: Method and System for Secure Payment of Sales Terminal Based on Signaling Network
[0001] 本发明涉及一种销售终端支付***， 具体涉及一种基于信令网的销售终端安全 支付方法及***。  [0001] The present invention relates to a sales terminal payment system, and in particular to a method and system for secure payment of a sales terminal based on a signaling network.
背景技术  Background technique
[0002] 随着科学技术的发展， 越来越多的支付方式成为人们购物、 转账等交易必不可 少的工具， 销售终端 （point of sale, 也称为 POS机） 的出现， 使得在交易过程中 ， 通过刷卡的方式进行交易， 不需要采用现金直接交易， 避免了在购物或交易 过程中需要携带大量现金， 提高安全出行。  [0002] With the development of science and technology, more and more payment methods have become an indispensable tool for people to purchase, transfer, etc., and the emergence of point of sale (also known as POS machine) makes the transaction process In the case of trading by swiping, there is no need to use direct cash transactions, avoiding the need to carry large amounts of cash during shopping or trading, and to improve safe travel.
[0003] 而随着 P0S机的广泛使用， P0S机存在安全隐患也日益突出： 在传统的 P0S机 在使用过程中， 从用户角度， 存在以下问题： 1、 整个交易操作均在商家提供的 P0S上完成， 特别是输入用户密码过程也在该商家 P0S上完成， 如果非法商家提 供非法 P0S机， 就非常出现了银联全卡等问题。 2、 在传统 P0S上***， 用 户的银联全卡属于离线产品， 无法及吋为用户提供详细消费信息。  [0003] With the widespread use of the POS machine, the security risks of the P0S machine are also increasingly prominent: In the process of using the traditional POS machine, from the user's point of view, the following problems exist: 1. The entire transaction operation is provided by the P0S provided by the merchant. On the completion, especially the process of entering the user password is also completed on the merchant P0S. If the illegal merchant provides the illegal P0S machine, there is a problem such as the UnionPay full card. 2. On the traditional P0S, the user's UnionPay full card belongs to the offline product, which cannot provide detailed consumption information for the user.
[0004] 随着手机技术的发展， 扫码支付也成为各大第三方支付的处理线下支付最重要 方式， 但是该方式存在很多问题： 1、 二维码可以被复制， 导致用户支付给错误 的商家； 2、 二维码属于单向认证， 只有用户认证商家， 而商家在支付过程中属 于离线状态。 3、 属于一种纯互联网支付， 存在很多实用不便捷的问题。  [0004] With the development of mobile phone technology, scan code payment has become the most important way to deal with offline payment by major third parties, but there are many problems in this mode: 1. The QR code can be copied, causing the user to pay the error. The merchant; 2, the QR code belongs to one-way authentication, only the user authenticates the merchant, and the merchant is offline in the payment process. 3. It belongs to a kind of pure internet payment, and there are many practical and inconvenient problems.
技术问题  technical problem
[0005] 本发明根据上述现有技术中存在的问题， 提供一种基于信令网的销售终端安全 支付方法及***， 保护交易安全性。  [0005] According to the above problems in the prior art, the present invention provides a method and system for secure payment of a sales terminal based on a signaling network to protect transaction security.
问题的解决方案  Problem solution
技术解决方案  Technical solution
[0006] 为解决上述问题， 本发明采用的技术方案是： 一种基于信令网的销售终端安全 支付方法， 具体包括以下步骤：  [0006] In order to solve the above problem, the technical solution adopted by the present invention is: A method for secure payment of a sales terminal based on a signaling network, which specifically includes the following steps:
[0007] 支付卡与销售终端建立通信通道， 认证支付卡用户信息； [0008] 支付卡第一次刷卡获取电子账单， 并对所述电子账单进行认证； [0007] the payment card establishes a communication channel with the sales terminal, and authenticates the payment card user information; [0008] the payment card obtains an electronic bill for the first time, and authenticates the electronic bill;
[0009] 用户移动终端接收电子账单并发送支付许可；  [0009] the user mobile terminal receives the electronic bill and sends the payment permission;
[0010] 支付卡第二次刷卡进行电子账单支付；  [0010] The payment card is swiped for the second time for electronic bill payment;
[0011] 向销售终端和用户移动终端发送支付成功信息。  [0011] The payment success information is transmitted to the sales terminal and the user mobile terminal.
[0012] 进一步地， 所述支付卡与销售终端建立通信通道， 认证支付卡用户信息， 具体 包括：  [0012] Further, the payment card establishes a communication channel with the sales terminal, and authenticates the user information of the payment card, and specifically includes:
[0013] 销售终端获取支付卡的用户信息并向用户移动终端发送认证信息；  [0013] the sales terminal acquires user information of the payment card and transmits the authentication information to the user mobile terminal;
[0014] 用户移动终端向销售终端发送认证支付卡信息， 通信通道建立。 [0014] The user mobile terminal transmits the authentication payment card information to the sales terminal, and the communication channel is established.
[0015] 进一步地， 所述支付卡第一次刷卡获取电子账单， 并对所述电子账单进行认证 之前， 还包括： 销售终端接收与该销售终端连接的收银机的购物信息并产生电 子账单。 [0015] Further, before the payment card acquires the electronic bill for the first time and authenticates the electronic bill, the method further includes: the sales terminal receiving the shopping information of the cash register connected to the sales terminal and generating an electronic bill.
[0016] 进一步地， 所述销售终端包括： 主控模块、 与主控模块连接的 7816接口、 近场 通信模块、 WiFi模块、 磁条刷卡模块、 RJ45网络模块， 所述近场通信模块和磁 条刷卡模块通过串行外设接口连接， 所述 WiFi模块和 RJ45模块通过 PCIe总线连 接。  [0016] Further, the sales terminal includes: a main control module, a 7816 interface connected to the main control module, a near field communication module, a WiFi module, a magnetic stripe card module, an RJ45 network module, the near field communication module and the magnetic The card swipe module is connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
[0017] 进一步地， 所述支付卡和用户移动终端上分别设置近场通信模块， 所述支付卡 分别与销售终端和用户移动终端通过近场通信模块建立通信连接,所述用户移动 终端与销售终端通过 WiFi模块实现通信连接。  [0017] Further, the payment card and the user mobile terminal respectively set a near field communication module, and the payment card establishes a communication connection with the sales terminal and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the sales The terminal implements a communication connection through the WiFi module.
[0018] 进一步地， 所述支付卡为银联全卡。 [0018] Further, the payment card is a UnionPay full card.
[0019] 一种基于信令网的销售终端安全支付***， 包括： [0019] A signaling network-based secure payment system for a sales terminal, comprising:
[0020] 收银机， 用于产生购物小票， 所述购物小票上包括购物信息； [0020] a cash register, configured to generate a shopping receipt, wherein the shopping receipt includes shopping information;
[0021] 销售终端， 接收收银机的购物信息生成电子账单， 与支付卡和用户移动终端建 立通信并发送电子账单； [0021] the sales terminal receives the shopping information of the cash register to generate an electronic bill, establishes communication with the payment card and the user mobile terminal, and sends an electronic bill;
[0022] 支付卡， 用于与销售终端建立通信通道， 并接收支付请求； [0022] a payment card, configured to establish a communication channel with the sales terminal, and receive a payment request;
[0023] 用户移动终端， 用于认证支付卡的用户信息、 接收销售终端发送的电子账单， 并与支付卡确认支付请求。  [0023] a user mobile terminal, configured to authenticate user information of the payment card, receive an electronic bill sent by the sales terminal, and confirm the payment request with the payment card.
[0024] 进一步地， 所述销售终端包括： 主控模块、 与主控模块连接的 7816接口、 近场 通信模块、 WiFi模块、 磁条刷卡模块、 RJ45网络模块， 所述近场通信模块和磁 条刷卡模块通过串行外设接口连接， 所述 WiFi模块和 RJ45模块通过 PCIe总线连 接。 [0024] Further, the sales terminal includes: a main control module, a 7816 interface connected to the main control module, a near field communication module, a WiFi module, a magnetic stripe card module, an RJ45 network module, the near field communication module and the magnetic The card swipe module is connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
[0025] 进一步地， 所述支付卡和用户移动终端上分别设置近场通信模块， 所述支付卡 分别与销售终端和用户移动终端通过近场通信模块建立通信连接,所述用户移动 终端与销售终端通过 WiFi模块实现通信连接。  [0025] Further, the payment card and the user mobile terminal respectively set a near field communication module, and the payment card establishes a communication connection with the sales terminal and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the sales The terminal implements a communication connection through the WiFi module.
[0026] 进一步地， 所述支付卡为银联全卡。  [0026] Further, the payment card is a UnionPay full card.
发明的有益效果  Advantageous effects of the invention
有益效果  Beneficial effect
[0027] 本发明的有益效果： [0027] Advantageous Effects of the Invention:
[0028] 本发明实施例中， 用户刷支付卡后不是立即支付， 而是从销售终端上获取支付 的电子账单， 并将该电子账单传输到用户的手机中， 由用户来选择支付通道及 输入重要的支付密码等， 解决了用户重要数据在商家销售终端上可能泄露的风 险， 另外由于电子账单传输到了用户手机了， 用户非常方便査看自己的消费信 息和选择自己信赖的支付通道；  [0028] In the embodiment of the present invention, after the user swipes the payment card, the payment is not immediately paid, but the electronic bill of the payment is obtained from the sales terminal, and the electronic bill is transmitted to the user's mobile phone, and the user selects the payment channel and the input. Important payment passwords, etc., solve the risk that the user's important data may be leaked on the merchant's sales terminal. In addition, since the electronic bill is transmitted to the user's mobile phone, the user is very convenient to view his own consumption information and select the payment channel that he trusts;
[0029] 电子账单的安全传输， 保障交易过程安全， 经过用户和商家双方线下实吋认证 后， 用户和商家建立安全通道管道， 进行电子账单支付交易， 外界无法获取， 电子账单为双向传输， 同吋电子账单的传递跟随业务***自动进行。 这样可以 防止用户的重要数据在商家销售终端上泄露， 由于电子账单传输到用户移动终 端上， 用户可以非常方便査看自己的消费信息和选择自己信赖的支付通道； [0029] The secure transmission of the electronic bill ensures the security of the transaction process. After the user and the merchant have authenticated the line, the user and the merchant establish a secure channel pipeline to conduct an electronic bill payment transaction, which cannot be obtained by the outside world, and the electronic bill is transmitted in both directions. The delivery of peer electronic bills is automatically carried out following the business system. This can prevent the user's important data from being leaked on the merchant sales terminal. Since the electronic bill is transmitted to the user mobile terminal, the user can conveniently view his own consumption information and select the payment channel that he trusts;
[0030] 用户在销售终端上刷卡， 识别用户金融领域身份， 然后利用用户的银联全卡让 用户手机与销售终端双方自动认证后， 使得用户手机自动安全地连接到销售终 端的 WiFi热点上， 建议安全通信高速通道。 [0030] The user swipes the card on the sales terminal to identify the user's financial domain identity, and then uses the user's UnionPay full card to automatically authenticate both the user's mobile phone and the sales terminal, so that the user's mobile phone is automatically and securely connected to the WiFi hotspot of the sales terminal, suggesting Secure communication high speed channel.
对附图的简要说明  Brief description of the drawing
附图说明  DRAWINGS
[0031] 图 1为本发明提出一种基于信令网的销售终端安全支付方法流程图；  1 is a flowchart of a method for secure payment of a sales terminal based on a signaling network according to the present invention;
[0032] 图 2为本发明提出一种基于信令网的销售终端安全支付过程示意图； 2 is a schematic diagram of a secure payment process of a sales terminal based on a signaling network according to the present invention;
[0033] 图 3为本发明提出一种基于信令网的销售终端安全支付*** WiFi通道流程图。 3 is a flow chart of a WiFi channel of a sales terminal secure payment system based on a signaling network according to the present invention.
[0034] 图 4为本发明提出所示销售终端结构示意图； [0035] 图 5为本发明提出一种基于信令网的销售终端安全支付***结构图。 实施该发明的最佳实施例 4 is a schematic structural diagram of a sales terminal according to the present invention; [0035] FIG. 5 is a structural diagram of a secure payment system for a sales terminal based on a signaling network according to the present invention. BEST MODE FOR CARRYING OUT THE INVENTION
本发明的最佳实施方式  BEST MODE FOR CARRYING OUT THE INVENTION
[0036] 以下结合附图对本发明进行进一步的说明。 [0036] The present invention will be further described below in conjunction with the accompanying drawings.
[0037] 参见图 1， 为本发明提出一种基于信令网的销售终端安全支付方法流程图。  [0037] Referring to FIG. 1, a flow chart of a secure payment method for a sales terminal based on a signaling network is provided.
[0038] 如图 1所示， 一种基于信令网的销售终端安全支付方法， 具体包括以下步骤： [0039] 步骤 101， 支付卡与销售终端建立通信通道， 认证支付卡用户信息； [0038] As shown in FIG. 1, a method for secure payment of a sales terminal based on a signaling network specifically includes the following steps: [0039] Step 101: A payment card establishes a communication channel with a sales terminal to authenticate user information of the payment card;
[0040] 步骤 102， 支付卡第一次刷卡获取电子账单， 并对所述电子账单进行认证； [0041] 步骤 103， 用户移动终端接收电子账单并发送支付许可； [0040] Step 102: The payment card acquires an electronic bill for the first time, and authenticates the electronic bill; [0041] Step 103: The user mobile terminal receives the electronic bill and sends a payment permission;
[0042] 步骤 104， 支付卡第二次刷卡进行电子账单支付； [0042] Step 104: The payment card is swiped for the second time to perform electronic bill payment;
[0043] 步骤 105， 向销售终端和用户移动终端发送支付成功信息。 [0043] Step 105: Send payment success information to the sales terminal and the user mobile terminal.
[0044] 本发明实施例中， 所述销售终端为 POS机， 以下将以 POS机为例详细介绍本发 明。 [0044] In the embodiment of the present invention, the sales terminal is a POS machine, and the POS machine is taken as an example to describe the present invention in detail.
[0045] 本发明实施例中， 通过支付卡与用户移动终端建立安全连接通道， 用户通过移 动终端可以安全进行支付卡支付， 简单方便， 可以防止用户信息及密码的泄露 ， 有效的保护了用户的信息安全， 提高支付的安全性采用二次刷卡的支付过程 ， 第一次用于获取电子账单， 并与用户移动终端进行信息认证， 用户移动终端 确认后， 向销售终端发送支付许可， 支付卡第二次刷卡进行支付， 支付卡信息 及密码信息均通过用户移动终端输入， 保证用户信息的安全， 支付成功后， POS 机将支付成功的信息发送到收银机和用户移动终端， 便于用户査看。  [0045] In the embodiment of the present invention, a secure connection channel is established between the payment card and the user mobile terminal, and the user can securely perform payment card payment through the mobile terminal, which is simple and convenient, can prevent leakage of user information and password, and effectively protects the user. Information security, improving the security of payment, using the payment process of the second card, the first time to obtain the electronic bill, and the information authentication with the user mobile terminal, after the user mobile terminal confirms, send the payment permission to the sales terminal, the payment card number The second card is used for payment, and the payment card information and password information are input through the user mobile terminal to ensure the security of the user information. After the payment is successful, the POS machine sends the successful payment information to the cash register and the user mobile terminal, which is convenient for the user to view.
[0046] 在本实施例中， 用户移动终端为智能手机或其他带有支付功能的设备。  [0046] In this embodiment, the user mobile terminal is a smart phone or other device with a payment function.
[0047] 本发明实施例中， 用户刷支付卡后不是立即支付， 而是从 POS机上获取支付的 电子账单， 并将该电子账单传输到用户移动终端中， 电子账单的安全传输， 保 障交易过程安全， 经过用户和商家双方线下实吋认证后， 用户和商家建立安全 通道管道， 进行电子账单支付交易， 外界无法获取， 电子账单为双向传输， 同 吋电子账单的传递跟随业务***自动进行。 这样可以防止用户的重要数据在商 家 POS机上泄露， 由于电子账单传输到用户移动终端上， 用户可以非常方便査看 自己的消费信息和选择自己信赖的支付通道。 [0048] 参见图 2和图 3， 其中图 2为本发明提出一种基于信令网的销售终端安全支付过 程示意图， 图 3为本发明提出一种基于信令网的销售终端安全支付*** WiFi通道 流程图。 [0047] In the embodiment of the present invention, after the user swipes the payment card, the payment is not immediately paid, but the electronic bill for payment is obtained from the POS machine, and the electronic bill is transmitted to the user mobile terminal, and the electronic bill is securely transmitted to ensure the transaction process. Security, after the user and the merchant are authenticated offline, the user and the merchant establish a secure channel pipeline to conduct electronic bill payment transactions, which cannot be obtained by the outside world. The electronic bill is transmitted in both directions, and the delivery of the electronic bill is automatically carried out following the business system. This can prevent the user's important data from leaking on the merchant POS machine. Since the electronic bill is transmitted to the user's mobile terminal, the user can conveniently view his own consumption information and select the payment channel that he trusts. 2 and FIG. 3, wherein FIG. 2 is a schematic diagram of a secure payment process for a sales terminal based on a signaling network, and FIG. 3 is a schematic diagram of a secure payment system for a sales terminal based on a signaling network. Channel flow chart.
[0049] 其中步骤 101中， 所述支付卡与 POS机建立通信通道， 认证支付卡用户信息， 具体包括：  [0049] In the step 101, the payment card establishes a communication channel with the POS machine, and authenticates the payment card user information, which specifically includes:
[0050] POS机获取支付卡的用户信息并向用户移动终端发送认证信息；  [0050] the POS machine acquires user information of the payment card and sends the authentication information to the user mobile terminal;
[0051] 用户移动终端向 POS机发送认证支付卡信息， 通信通道建立。 [0051] The user mobile terminal sends the authentication payment card information to the POS machine, and the communication channel is established.
[0052] 本发明实施例中， 支付卡与 POS机建立通信连接， 具体过程为， 支付卡靠近 PO S机， 支付卡及 POS机上的近场通信启动， POS机获取支付卡的用户信息， 并认 证用户身份， 支付卡向用户移动终端发送信息进行用户移动终端认证， 认证通 过后， 发起手机与 POS机的 WiFi连接， 该 WiFi连接仅对认证的手机有效， 此吋手 机与 POS机之间建立安全通信管道。 [0052] In the embodiment of the present invention, the payment card establishes a communication connection with the POS machine, the specific process is that the payment card is close to the PO S machine, the near field communication on the payment card and the POS machine is started, and the POS machine obtains the user information of the payment card, and To authenticate the user identity, the payment card sends the information to the user mobile terminal for user mobile terminal authentication. After the authentication is passed, the WiFi connection between the mobile phone and the POS device is initiated. The WiFi connection is valid only for the authenticated mobile phone, and the mobile phone and the POS device are established. Secure communication pipeline.
[0053] 在步骤 102之前， 即支付卡第一次刷卡获取电子账单， 并对所述电子账单进行 认证之前， 还包括： POS机接收与该 POS机连接的收银机的购物信息并产生电子 账单。 [0053] Before step 102, that is, the first time the payment card is swiped to obtain an electronic bill, and before the electronic bill is authenticated, the method further includes: the POS machine receiving the shopping information of the cash register connected to the POS machine and generating an electronic bill .
[0054] 参见图 4， 为本发明提出所示 POS机结构示意图。  [0054] Referring to FIG. 4, it is a schematic structural diagram of a POS machine according to the present invention.
[0055] 如图 4所示， POS机包括： 主控模块 （也称为 SE模块） 、 与主控模块连接的 781 6接口、 近场通信模块 (Near Field Communication,也称为 NFC模块)、 WiFi模块、 磁条刷卡模块、 RJ45网络模块， 近场通信模块和磁条刷卡模块通过串行外设接 口（Serial Peripheral Interface， SPI)连接， WiFi模块和 RJ45模块通过 PCIe总线连接  [0055] As shown in FIG. 4, the POS machine includes: a main control module (also referred to as an SE module), a 781 6 interface connected to the main control module, and a near field communication module (Near Field Communication (also referred to as an NFC module), The WiFi module, the magnetic stripe card module, the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a Serial Peripheral Interface (SPI), and the WiFi module and the RJ45 module are connected through the PCIe bus.
[0056] 在本实施例中， 所述 PCIe总线为 PCI-Express的简写。 指最新的总线和接口标准 [0056] In this embodiment, the PCIe bus is short for PCI-Express. Refers to the latest bus and interface standards
[0057] 主控模块为 POS机的核心主控制模块， POS机上设置用于插卡的 7816接口和用 于刷磁条的磁条刷卡模块， 可以针对不同支付卡进行多种方式的支付选择， 通 过设置 WiFi模块， 方便与用户移动终端或其他设备实现无线连接， RJ45网络模 块可以将 POS机与外部网络连接， 实现与支付业务平台的连接。 [0057] The main control module is a core main control module of the POS machine, and the 7816 interface for inserting a card and the magnetic stripe swiping module for brushing magnetic strips are set on the POS machine, and various payment options can be selected for different payment cards. By setting up the WiFi module, it is convenient to wirelessly connect with the user's mobile terminal or other devices. The RJ45 network module can connect the POS machine with the external network to realize the connection with the payment service platform.
[0058] 本发明实施例中， 支付卡和用户移动终端上分别设置近场通信模块， 支付卡分 别与 POS机和用户移动终端通过近场通信模块建立通信连接,用户移动终端与 POS 机通过 WiFi模块实现通信连接。 [0058] In the embodiment of the present invention, a near field communication module and a payment card are respectively disposed on the payment card and the user mobile terminal. Do not establish a communication connection with the POS machine and the user mobile terminal through the near field communication module, and the user mobile terminal and the POS machine realize the communication connection through the WiFi module.
[0059] 本发明实施例中， 支付卡可以是各种金融卡， 包括银行卡、 ***、 具有多个 支付卡信息的银联全卡， POS机上设置读卡模块， 可以采用不同方式实现支付卡 的支付交易。 优选的， 支付卡为银联全卡， 该银联全卡将多个支付卡信息记录 在一个卡片上， 通过与用户手机的通信， 实现支付账户的选择和支付业务。 In the embodiment of the present invention, the payment card may be a variety of financial cards, including a bank card, a credit card, a UnionPay full card with multiple payment card information, a card reading module on the POS machine, and a payment card may be implemented in different manners. Payment transaction. Preferably, the payment card is a UnionPay full card, and the UnionPay card records a plurality of payment card information on a card, and realizes payment account selection and payment service by communicating with the user's mobile phone.
[0060] 参见图 5， 为本发明提出一种基于信令网的销售终端安全支付***结构图。  [0060] Referring to FIG. 5, a structure diagram of a secure payment system for a sales terminal based on a signaling network is provided.
[0061] 如图 5所示， 一种基于信令网的销售终端安全支付***， 包括：  [0061] As shown in FIG. 5, a signaling network-based secure payment system for a sales terminal includes:
[0062] 收银机， 用于产生购物小票， 所述购物小票上包括购物信息；  [0062] a cash register, configured to generate a shopping receipt, wherein the shopping receipt includes shopping information;
[0063] 销售终端， 接收收银机的购物信息生成电子账单， 与支付卡和用户移动终端建 立通信并发送电子账单；  [0063] the sales terminal receives the shopping information of the cash register to generate an electronic bill, establishes communication with the payment card and the user mobile terminal, and sends an electronic bill;
[0064] 支付卡， 用于与销售终端建立通信通道， 并接收支付请求； [0064] a payment card, configured to establish a communication channel with the sales terminal, and receive a payment request;
[0065] 用户移动终端， 用于认证支付卡的用户信息、 接收销售终端发送的电子账单， 并与支付卡确认支付请求。  [0065] a user mobile terminal, configured to authenticate user information of the payment card, receive an electronic bill sent by the sales terminal, and confirm the payment request with the payment card.
[0066] 其中 POS机包括： 主控模块、 与主控模块连接的 7816接口、 近场通信模块、 Wi [0066] wherein the POS machine comprises: a main control module, a 7816 interface connected to the main control module, a near field communication module, and a Wi
Fi模块、 磁条刷卡模块、 RJ45网络模块， 近场通信模块和磁条刷卡模块通过串行 外设接口连接， WiFi模块和 RJ45模块通过 PCIe总线连接。 The Fi module, the magnetic stripe card module, the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
[0067] 7816接口为标准银行卡接口， 兼容银行卡等金融卡的插卡消费功能， 主控模块 中自带 7816的协议模块， 通过 POS机上的 7816接口， 就可以实现与银行卡片的 78[0067] The 7816 interface is a standard bank card interface, compatible with the card consumption function of a financial card such as a bank card, and the protocol module of the main control module with the 7816 can realize the bank card with the 7816 interface on the POS machine.
16通讯， 进行给类支付业务。 16 communication, for class payment services.
[0068] POS机上集成了第三方的 NFC读卡模块， 该读卡模块与主控模块进行串行外设 接口通讯， 通过设置近场通信模块， 允许各类银行卡、 交通卡等拥有 NFC功能的 卡产品在 POS机上消费， 实现与 NFC有关的支付业务。 [0068] The POS machine integrates a third-party NFC card reading module, and the card reading module communicates with the main control module through a serial peripheral interface, and allows the NFC function of various bank cards, transportation cards, etc. by setting a near field communication module. The card products are consumed on the POS machine to realize the payment service related to NFC.
[0069] POS机上集成了第三方的磁条读卡模块允许各类银行卡、 交通卡等拥有磁条的 卡产品， 在 POS机上消费， 该磁条读卡模块与主控模块进行串行外设接口通讯， 进行给类与磁条有关的支付业务。 [0069] The POS machine integrates a third-party magnetic stripe card reading module to allow various types of bank cards, transportation cards and other card products having magnetic strips to be consumed on the POS machine, and the magnetic stripe card reading module and the main control module are serially connected. Set interface communication to perform payment services related to magnetic stripe.
[0070] WiFi模块主要用于连接在本 POS机上进行支付业务的用户移动终端， 以便扩展 支付业务的方式。 用户与该 WiFi模块的接入条件受主控模块控制， 在主控模块 通过用户近场通信模块刷卡、 磁条读卡模块刷卡或者 7816接口插卡三种方式验 证用户合法性后， 主控模块产生一条有吋效性的允许接入条件的数据并发送到 W iFi模块， 同吋经过支付卡发送到用户移动终端， 用户移动终端使用该允许接入 条件链接 WiFi模块， 建立安全链接。 [0070] The WiFi module is mainly used to connect a user mobile terminal that performs payment service on the POS machine, so as to expand the manner of payment service. The access conditions of the user and the WiFi module are controlled by the main control module, in the main control module After the user's near field communication module is swiped, the magnetic stripe card reader module is swiped, or the 7816 interface card is used to verify the legitimacy of the user, the main control module generates a valid data of the allowed access conditions and sends it to the W i Fi. The module, the peer is sent to the user mobile terminal via the payment card, and the user mobile terminal uses the allowed access condition to link the WiFi module to establish a secure link.
[0071] RJ45网络模块主要是用于 POS连接到外部网络， 以便通过 POS机接入到 IPSS8信 令***来接入到银联的 POS机支付业务平台中。 [0071] The RJ45 network module is mainly used for POS connection to an external network, so as to access the IPSS8 signaling system through the POS machine to access the POS payment service platform of UnionPay.
[0072] 本发明实施例中， 支付卡和用户移动终端上分别设置近场通信模块， 所述支付 卡分别与 POS机和用户移动终端通过近场通信模块建立通信连接,所述用户移动 终端与 POS机通过 WiFi模块实现通信连接。 In the embodiment of the present invention, a near field communication module is respectively disposed on the payment card and the user mobile terminal, and the payment card establishes a communication connection with the POS machine and the user mobile terminal respectively through the near field communication module, and the user mobile terminal and the user mobile terminal respectively The POS machine implements a communication connection through a WiFi module.
[0073] 支付卡可以是各种金融卡， 包括银行卡、 ***、 具有多个支付卡信息的银联 全卡， POS机上设置读卡模块， 可以采用不同方式实现支付卡的支付交易。 优选 的， 支付卡是银联全卡， 该银联全卡将多个支付卡信息记录在一个卡片上， 通 过与用户手机的通信， 实现支付账户的选择和支付业务。 [0073] The payment card may be a variety of financial cards, including a bank card, a credit card, a UnionPay full card with multiple payment card information, and a card reading module on the POS machine, and the payment transaction of the payment card may be implemented in different manners. Preferably, the payment card is a UnionPay full card, and the UnionPay full card records a plurality of payment card information on one card, and realizes payment account selection and payment service by communicating with the user's mobile phone.
[0074] 本发明实施例中， 用户在 POS机上刷卡， 识别用户的金融领域身份即用户信息 ， 然后利用用户的支付卡让用户移动终端与 POS机双方自动认证后， 使得用户移 动终端自动安全地连接到 POS机上的 WiFi热点上， 建立安全通信通道， 其中用户 移动终端可以为与支付卡绑定的手机、 IPAD、 或与 POS机实现通信的其他设备 ， 通过 WiFi模块建立安全通道流程如下：  In the embodiment of the present invention, the user swipes the card on the POS machine to identify the user's financial domain identity, that is, the user information, and then uses the user's payment card to automatically authenticate both the mobile terminal and the POS device, so that the user mobile terminal automatically and securely Connect to the WiFi hotspot on the POS to establish a secure communication channel. The user mobile terminal can be a mobile phone, IPAD, or other device that communicates with the payment card. The process of establishing a secure channel through the WiFi module is as follows:
[0075] 银联全卡靠近 POS机， 近场通信模块近场通信启动， 主控模块获取银联全卡的 用户信息， 并认证用户身份， 银联全卡向用户移动终端发送信息进行用户移动 终端认证， 认证通过后发起手机与 POS机的 WiFi连接， 手机与银联全卡建立安全 通信管道， 电子账单床底到用户移动终端和银联全卡， 用户在手机上核实账单 ， 并选择支付通道， 在手机上输入支付密码， 提交支付申请， 支付成功后的信 息分别发送到 POS机和用户移动终端上。  [0075] The UnionPay full card is close to the POS machine, the near field communication module near field communication is started, the main control module obtains the user information of the UnionPay full card, and authenticates the user identity, and the UnionPay full card sends information to the user mobile terminal for user mobile terminal authentication, After the certification is passed, the WiFi connection between the mobile phone and the POS machine is initiated. The mobile phone and the UnionPay full card establish a secure communication channel, the electronic bill bed bottom to the user mobile terminal and the UnionPay full card, the user verifies the bill on the mobile phone, and selects the payment channel on the mobile phone. Enter the payment password, submit the payment application, and send the information after successful payment to the POS machine and the user mobile terminal.
[0076] 上面结合附图对本发明优选实施方式作了详细说明， 但是本发明不限于上述实 施方式， 在本领域普通技术人员所具备的知识范围内， 还可以在不脱离本发明 宗旨的前提下做出各种变化。 不脱离本发明的构思和范围可以做出许多其他改 变和改型。 应当理解， 本发明不限于特定的实施方式， 本发明的范围由所附权 利要求限定。 The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to the above-described embodiments, and can be made without departing from the scope of the present invention within the scope of the knowledge of those skilled in the art. Make a variety of changes. Many other changes and modifications can be made without departing from the spirit and scope of the invention. It should be understood that the invention is not limited to the specific embodiments, and the scope of the invention is The requirements are limited.

Claims

权利要求书 Claim
[权利要求 1] 一种基于信令网的销售终端安全支付方法， 其特征在于， 具体包括以 下步骤：  [Claim 1] A method for secure payment of a sales terminal based on a signaling network, which comprises the following steps:
支付卡与销售终端建立通信通道， 认证支付卡用户信息；  The payment card establishes a communication channel with the sales terminal to authenticate the payment card user information;
支付卡第一次刷卡获取电子账单， 并对所述电子账单进行认证； 用户移动终端接收电子账单并发送支付许可；  The payment card firstly swipes the card to obtain an electronic bill, and authenticates the electronic bill; the user mobile terminal receives the electronic bill and sends a payment permission;
支付卡第二次刷卡进行电子账单支付；  The payment card is swiped for the second time for electronic bill payment;
向销售终端和用户移动终端发送支付成功信息。  The payment success information is sent to the sales terminal and the user mobile terminal.
[权利要求 2] 根据权利要求 1所述的一种基于信令网的销售终端安全支付方法， 其 特征在于， 所述支付卡与销售终端建立通信通道， 认证支付卡用户信 息， 具体包括：  [Claim 2] A method for secure payment of a sales terminal based on a signaling network according to claim 1, wherein the payment card establishes a communication channel with the sales terminal, and authenticates the payment card user information, and specifically includes:
销售终端获取支付卡的用户信息并向用户移动终端发送认证信息； 用户移动终端向销售终端发送认证支付卡信息， 通信通道建立。  The sales terminal acquires the user information of the payment card and transmits the authentication information to the user mobile terminal; the user mobile terminal sends the authentication payment card information to the sales terminal, and the communication channel is established.
[权利要求 3] 根据权利要求 1所述的一种基于信令网的销售终端安全支付方法， 其 特征在于， 所述支付卡第一次刷卡获取电子账单， 并对所述电子账单 进行认证之前， 还包括： 销售终端接收与该销售终端连接的收银机的 购物信息并产生电子账单。  [Claim 3] A method for secure payment of a sales terminal based on a signaling network according to claim 1, wherein the payment card acquires an electronic bill for the first time, and authenticates the electronic bill before And the method further includes: the sales terminal receives the shopping information of the cash register connected to the sales terminal and generates an electronic bill.
[权利要求 4] 根据权利要求 1所述的一种基于信令网的销售终端安全支付方法， 其 特征在于， 所述销售终端包括： 主控模块、 与主控模块连接的 7816接 口、 近场通信模块、 WiFi模块、 磁条刷卡模块、 RJ45网络模块， 所 述近场通信模块和磁条刷卡模块通过串行外设接口连接， 所述 WiFi模 块和 RJ45模块通过 PCIe总线连接。  [Claim 4] A method for secure payment of a sales terminal based on a signaling network according to claim 1, wherein the sales terminal comprises: a main control module, a 7816 interface connected to the main control module, and a near field The communication module, the WiFi module, the magnetic stripe card module, and the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
[权利要求 5] 根据权利要求 4所述的一种基于信令网的销售终端安全支付方法， 其 特征在于， 所述支付卡和用户移动终端上分别设置近场通信模块， 所 述支付卡分别与销售终端和用户移动终端通过近场通信模块建立通信 连接,所述用户移动终端与销售终端通过 WiFi模块实现通信连接。  [Claim 5] A method for secure payment of a sales terminal based on a signaling network according to claim 4, wherein a near field communication module is respectively disposed on the payment card and the user mobile terminal, and the payment card is respectively A communication connection is established with the sales terminal and the user mobile terminal through the near field communication module, and the user mobile terminal and the sales terminal implement a communication connection through the WiFi module.
[权利要求 6] 根据权利要求 1所述的一种基于信令网的销售终端安全支付方法， 其 特征在于， 所述支付卡为银联全卡。 一种基于信令网的销售终端安全支付***， 其特征在于， 包括： 收银机， 用于产生购物小票， 所述购物小票上包括购物信息； 销售终端， 接收收银机的购物信息生成电子账单， 与支付卡和用户移 动终端建立通信并发送电子账单； [Claim 6] A method for secure payment of a sales terminal based on a signaling network according to claim 1, wherein the payment card is a UnionPay full card. A sales terminal security payment system based on a signaling network, comprising: a cash register for generating a shopping receipt, the shopping receipt including shopping information; a sales terminal, receiving the shopping information of the cash register to generate an electronic Billing, establishing communication with the payment card and the user mobile terminal and sending an electronic bill;
支付卡， 用于与销售终端建立通信通道， 并接收支付请求； 用户移动终端， 用于认证支付卡的用户信息、 接收销售终端发送的电 子账单， 并与支付卡确认支付请求。 a payment card, configured to establish a communication channel with the sales terminal, and receive a payment request; the user mobile terminal is configured to authenticate the user information of the payment card, receive the electronic bill sent by the sales terminal, and confirm the payment request with the payment card.
根据权利要求 7所述的一种基于信令网的销售终端安全支付***， 其 特征在于， 所述销售终端包括： 主控模块、 与主控模块连接的 7816接 口、 近场通信模块、 WiFi模块、 磁条刷卡模块、 RJ45网络模块， 所 述近场通信模块和磁条刷卡模块通过串行外设接口连接， 所述 WiFi模 块和 RJ45模块通过 PCIe总线连接。 The sales terminal security payment system based on a signaling network according to claim 7, wherein the sales terminal comprises: a main control module, a 7816 interface connected to the main control module, a near field communication module, and a WiFi module. The magnetic stripe card module, the RJ45 network module, the near field communication module and the magnetic stripe card module are connected through a serial peripheral interface, and the WiFi module and the RJ45 module are connected through a PCIe bus.
根据权利要求 8所述的一种基于信令网的销售终端安全支付***， 其 特征在于， 所述支付卡和用户移动终端上分别设置近场通信模块， 所 述支付卡分别与销售终端和用户移动终端通过近场通信模块建立通信 连接,所述用户移动终端与销售终端通过 WiFi模块实现通信连接。 根据权利要求 7所述的一种基于信令网的销售终端安全支付***， 其 特征在于， 所述支付卡为银联全卡。 A sales network secure payment system based on a signaling network according to claim 8, wherein a near field communication module is respectively disposed on the payment card and the user mobile terminal, and the payment card is respectively associated with the sales terminal and the user. The mobile terminal establishes a communication connection through the near field communication module, and the user mobile terminal and the sales terminal implement a communication connection through the WiFi module. A sales network secure payment system based on a signaling network according to claim 7, wherein the payment card is a UnionPay full card.
PCT/CN2017/082685 2016-05-10 2017-05-02 Secure payment method and system related to point-of-sale terminal and based on signaling network WO2017193836A1 (en)

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