CN101118627A - Movable electric commerce payment transaction system and safety identification method thereof - Google Patents
Movable electric commerce payment transaction system and safety identification method thereof Download PDFInfo
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- CN101118627A CN101118627A CNA2006100296256A CN200610029625A CN101118627A CN 101118627 A CN101118627 A CN 101118627A CN A2006100296256 A CNA2006100296256 A CN A2006100296256A CN 200610029625 A CN200610029625 A CN 200610029625A CN 101118627 A CN101118627 A CN 101118627A
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Abstract
The present invention discloses a system of mobile e-commerce payment transaction and a security certificating method, which can make a convenient use of mobile electronic devices to recharge and consume speedily and safely in a wireless state. The system of mobile e-commerce payment transaction consists at least of a wireless transaction device for merchants and a wireless transaction device for clients, and the wireless transaction device for clients consists at least of a mobile electronic device for users and a wireless chip for clients. The security certificating method consists essentially of the following procedures: a one-to-one connection is established between both parties in the transaction, and the wireless transaction device for merchants and the wireless transaction device for clients confirm respectively whether the counterpart is the interrelated device. The new balance information stored in the wireless transaction device for clients is obtained, encrypted and then rewritten into the wireless transaction device for clients. The new balance of the own party in the wireless transaction device for merchants is obtained, encrypted and then stored in the autologous security encrypted data area.
Description
Technical field
The present invention relates to the movable electric commerce payment transaction system that a kind of use is concluded the business under off-line state based on the hand-held mobile electronic device of the memory-type of public network.The invention still further relates to a kind of safety certifying method of this movable electric commerce payment transaction system.
Background technology
At present, the means of payment in the electronic payment system mainly are presented as the third party's payment at the Internet network, as Alipay, paypal etc.This modes of payments payment time is very long, generally need several days time, and its usable range generally is confined to shopping at network.And the radio-frequency (RF) IC card as the public transport card, then need special place to go to supplement with money with special instrument, and store transaction information is less, and easy stolen the distorting and loss of information of this card, does not need payment cipher to lack deficiencies such as safety guarantee during payment.
Summary of the invention
Technical matters to be solved by this invention provides a kind of movable electric commerce payment transaction system, can carry out wirelessly supplementing with money and consuming, and realizes the functions such as safe storage of rapid payment, information encryption, identity validation and information; For this reason, the present invention also will provide a kind of safety certifying method of this movable electric commerce payment system.
For solving the problems of the technologies described above, the invention provides a kind of movable electric commerce payment transaction system, comprise businessman's wireless transactions device and client's wireless transactions device; Described businessman wireless transactions device is positioned at the server end of businessman; Described client's wireless transactions device comprises at least: user's mobile electronic device and is integrated in the client's wireless transactions chip on this user's mobile electronic device;
Wherein, described businessman wireless transactions device comprises at least: security mechanism, safety encipher data field and general data district; Also comprise at least in described user's mobile electronic device: security mechanism, safety encipher data field and general data district; Described client's wireless transactions chip stores a globally unique identity code at least.
The present invention also provides a kind of safety certifying method of movable electric commerce payment transaction system, may further comprise the steps:
When (1) concluding the business, both parties use the transaction account number of its correspondence and trading password to open special-purpose transaction software respectively;
(2) after beneficiary was confirmed the amount of money, businessman's move transaction device entered the gathering state of waiting for;
(3) both parties set up unique man-to-man wireless connections;
(4) connect back businessman's wireless transactions device and client's wireless transactions device begins respectively to confirm whether the other side is relevant apparatus;
(5) businessman's wireless transactions device reads the encrypted balance amount information that is stored in client's wireless transactions device, use public-key then this remaining sum is decrypted, and the deduction dealing money obtains a new balance from this remaining sum, and then use public-key this new balance is encrypted, write again in client's wireless transactions device; Simultaneously, businessman's wireless transactions device generates unique transaction code;
(6) businessman's wireless transactions device uses public-key and deciphers the one's own side's remaining sum that exists in its safety encipher data field, itself and dealing money are carried out addition obtain new one's own side's remaining sum, use public-key then this new one's own side's remaining sum is encrypted, and be stored in the safety encipher data field of self; Then the identity code of dealing money, transaction code, client's wireless transactions device of reading and the identity code of self are communicated with exchange hour and use public-key and encrypt, together be stored in the safety encipher district then as flowing water.
The present invention is owing to adopted technique scheme, has such beneficial effect, can utilize mobile electronic device, as mobile phone, PDA etc., noncontact such as high arithmetic capability, high capacity storage capacity, wireless communication ability and bluetooth, WIFI, radio-frequency technique can fast transmission information ability, and the managerial ability of the large server on third party (as bank) transaction backstage, can utilize mobile electronic device to supplement with money and consume easily; And kept the convenient and swift of original electronic payment system, but its security is higher; Be not afraid of loss, lose the back data and be retained in the database of third party transaction platform, can not cause and lose the consequence that card just loses money; Can carry out the system of real name transaction, guarantee that by trading password the dealer is exactly the user of mobile electronic device, can not cause and lose the back with regard to stolen consequence.
Description of drawings
The present invention is further detailed explanation below in conjunction with the drawings and specific embodiments:
Fig. 1 is the structural principle block scheme of businessman of the present invention wireless transactions device;
Fig. 2 is the structural principle block scheme of user's mobile electronic device of the present invention;
Fig. 3 is the structural principle block scheme of client's wireless transactions chip of the present invention;
Fig. 4 is the safety certification process process flow diagram of businessman of the present invention wireless transactions device when concluding the business;
Fig. 5 is the safety certification process process flow diagram of client's wireless transactions device of the present invention when concluding the business.
Embodiment
Movable electric commerce payment transaction system of the present invention comprises businessman's wireless transactions device and client's wireless transactions device at least; Wherein, described client's wireless transactions device comprises at least: user's mobile electronic device (as mobile phone, PDA etc.) and is integrated in the client's wireless transactions chip on this user's mobile electronic device; Described businessman wireless transactions device is positioned at the server end of businessman, and this server can be special-purpose POS machine (is used for connecting and obtain mobile electronic device information), also can be mobile hand-held device.
As shown in Figure 1, described businessman wireless transactions device can connect with client's wireless transactions device, transmission and reception are from the information of client's wireless transactions device, client's wireless transactions device is carried out authentication, and with Transaction Information by the POS machine be sent to the transaction backstage handle, produce unique transaction code.At least comprise in this businessman's wireless transactions device: security mechanism, safety encipher data field and general data district.Wherein, the standard of safety certification that security mechanism includes some when concluding the business mainly comprises connecting and the affirmation of transaction system, the affirmation etc. of trading password when transaction software activates; The safety encipher data field mainly stores through the various interactive information of encrypting, and public and private key, comprises private encryption memory block and public encryption memory block; The general data district mainly stores does not need the various information of encrypting, and for example is used to deposit exchange hour etc., and the information storage area after encrypting, and is used to deposit the amount of money, transaction code etc.
As shown in Figure 2, user's mobile device is used for store transaction information, and carries out information interaction with the transaction backstage.Identical with businessman wireless transactions device, it also should comprise three parts at least: security mechanism, safety encipher data field and general data district.Wherein, security mechanism mainly comprises affirmation, the encryption of payment cipher, the encrypting and decrypting of information and the storage of encryption back information etc. when carrying out information interaction with the backstage of password when transaction software activates; The safety encipher data field is used to store the interactive information through encrypting, and public and private key, and it mainly can be divided into private and encrypt memory block and public encryption memory block; The general data district is used for storing and does not need the various information of encrypting.
As shown in Figure 3, client's wireless transactions chipset is formed in and is mainly used in transmission on user's mobile electronic device and receives information from businessman's wireless transactions device and mobile electronic device, and provides the mobile electronic device authentication to businessman's wireless transactions device.Wherein store a globally unique identity code at least.
The safety certifying method of movable electric commerce payment transaction system of the present invention mainly is presented as the safety certification when various mobile devices are concluded the business under radio conditions.
This safety certifying method utilizes mobile electronic device, as mobile phone, PDA etc., user and number characteristics one to one, the account number (identity code) that user, mobile electronic device, transaction backstage provide is bound, and the account number of the debit card of bank's debit card, credit card or the businessman that user's identity code and user provided is bound simultaneously; To producing a unique identity code in that transaction backstage registered businessman is same, and the Bank Account Number binding that this identity code and this businessman are provided; The client need reserve trading password and payment cipher on the transaction background server after registration finishes, the proprietary software that the client needs the download transactions backstage to provide when using for the first time uses the transaction software of the trading password utilization download of being stayed to activate this software license on the transaction background server.
After finishing above-mentioned a series of number binding operation, just can conclude the business.In process of exchange, mobile electronic device must with need transaction method, apparatus is carried out point-to-point the connection.Wherein, in the transaction can be special-purpose POS machine (be used for connecting and obtain mobile electronic device information) to method, apparatus, also can be the other side's mobile hand-held device; And point-to-point connection can be the quick connection of radio frequency class, also can be unique point-to-point connection that bluetooth, infrared and WIFI etc. set up.
Below in conjunction with Fig. 4 and Fig. 5, specify in the process of exchange safety certifying method of movable electric commerce payment transaction system of the present invention:
When (1) concluding the business, both parties, promptly businessman and client use the transaction account number of its correspondence and trading password to open special-purpose transaction software respectively.
(2) beneficiary, i.e. businessman, confirm the amount of money after, businessman's move transaction device enters waits for the gathering state, and generates a unique transaction code.
(3) both parties set up unique man-to-man wireless connections, and this connected mode can be a radio frequency, bluetooth, WIFI, the connected mode that infrared grade can connect between transaction system fast.
(4) connect back businessman's wireless transactions device and client's wireless transactions device begins to confirm whether the other side is relevant apparatus.Because, in businessman's wireless transactions device and client's wireless transactions device, all remain with the unique identity code in the world separately, this identity code is used the symmetric cryptography method and is stored in the encrypted area after by public key encryption, both parties need read mutually during connection, and use public-key and be decrypted, check then whether the other side's identity code is special-purpose relevant apparatus.The device that connects back one side uses public-key and deciphers the other side's identity code, just can know by checking whether the other side's device is legitimate device then.Wherein, the all businessman's wireless transactions devices and the identity code of client's wireless transactions device be header file and individual code composition respectively, wherein header file is used to identify concrete device to belong to businessman's wireless transactions device still is client's wireless transactions device, and individual code is used to identify this concrete device; That is to say that all businessman's wireless transactions devices all have identical header file, as V@#$N$%V#T$B and different individual codes, client's wireless transactions device also is like this.For example: the header file of certain businessman's wireless transactions device is: V@#$N$%V#T$B, and individual code is: 1389921399, the header file of certain client's wireless transactions device is: V@#$N$%V#T$B, individual code is: 13188998888.
(5) balance amount information in businessman's wireless transactions device and the client's wireless transactions device is used in the safety encipher data field that is stored in behind the public key encryption separately, businessman's wireless transactions device reads this encrypted balance amount information that is stored in client's wireless transactions device during transaction, use public-key then it is decrypted, and the deduction dealing money obtains a new balance from this remaining sum, and then use public-key this new balance is encrypted, again write in client's wireless transactions device, whether judgement writes successful then.Simultaneously, businessman's wireless transactions device generates unique transaction code.
(6) behind the dealing money of businessman's wireless transactions device in deduction client wireless transactions device, there is the one's own side's remaining sum in its safety encipher data field in the deciphering that uses public-key, itself and dealing money are carried out addition obtain new one's own side's remaining sum, use public-key then this new one's own side's remaining sum is encrypted, and be stored in the own safety encipher data field, then with dealing money, transaction code, the identity code of the client's wireless transactions device that reads and the identity code of self connection exchange hour use public-key and encrypt, together be stored in the safety encipher district then, in order to clearing to the transaction backstage as flowing water.
(7) finish above-mentioned steps after, whole closing the transaction.
Claims (11)
1. a movable electric commerce payment transaction system is characterized in that, comprises businessman's wireless transactions device and client's wireless transactions device at least; Described businessman wireless transactions device is positioned at the server end of businessman; Described client's wireless transactions device comprises at least: user's mobile electronic device and is integrated in the client's wireless transactions chip on this user's mobile electronic device;
Wherein, described businessman wireless transactions device comprises at least: security mechanism, safety encipher data field and general data district; Also comprise at least in described user's mobile electronic device: security mechanism, safety encipher data field and general data district; Described client's wireless transactions chip stores a globally unique identity code at least.
2. movable electric commerce payment transaction system according to claim 1 is characterized in that, the security mechanism of described businessman wireless transactions device comprises at least: connect and the affirmation of transaction system, the affirmation of trading password when transaction software activates.
3. movable electric commerce payment transaction system according to claim 1, it is characterized in that the security mechanism of described user's mobile electronic device comprises at least: the encryption of the affirmation of password, payment cipher when transaction software activates, the encrypting and decrypting of information and the storage of encrypting back information when carrying out information interaction with the backstage.
4. movable electric commerce payment transaction system according to claim 1, it is characterized in that, all store interactive information in the safety encipher data field of described businessman wireless transactions device and user's mobile electronic device through encrypting, and public and private key, it mainly comprises private encryption memory block and public encryption memory block.
5. movable electric commerce payment transaction system according to claim 1 is characterized in that, stores the various information encrypted that need not in the general data district of described businessman wireless transactions device and user's mobile electronic device.
6. movable electric commerce payment transaction system according to claim 1 is characterized in that, the server end of described businessman can be special-purpose POS machine or mobile hand-held device.
7. the safety certifying method of the described system of claim 1 is characterized in that, may further comprise the steps:
When (1) concluding the business, both parties use the transaction account number of its correspondence and trading password to open special-purpose transaction software respectively;
(2) after beneficiary was confirmed the amount of money, businessman's move transaction device entered the gathering state of waiting for;
(3) both parties set up unique man-to-man wireless connections;
(4) connect back businessman's wireless transactions device and client's wireless transactions device begins respectively to confirm whether the other side is relevant apparatus;
(5) businessman's wireless transactions device reads the encrypted balance amount information that is stored in client's wireless transactions device, use public-key then this remaining sum is decrypted, and the deduction dealing money obtains a new balance from this remaining sum, and then use public-key this new balance is encrypted, write again in client's wireless transactions device;
(6) businessman's wireless transactions device uses public-key and deciphers the volume of kelly-up that exists in its safety encipher data field, itself and dealing money are carried out addition obtain a new volume of kelly-up, use public-key then this new volume of kelly-up is encrypted, and store in the safety encipher data field of himself; Then the identity code of dealing money, transaction code, client's wireless transactions device of reading and the identity code of self are communicated with exchange hour and use public-key and encrypt, together be stored in the safety encipher district then as flowing water.
8. safety certifying method according to claim 7 is characterized in that, the connected mode of described wireless connections can be radio frequency, bluetooth, WIFI or infrared connection.
9. safety certifying method according to claim 7, it is characterized in that, the specific implementation method of described step (4) is: the identity code that a side device uses public-key the other side among the both parties is decrypted, and judges by checking whether the other side's device is legal relevant apparatus then.
10. safety certifying method according to claim 9 is characterized in that, described both parties' identity code is used the symmetric cryptography method and is stored in the encrypted area after by public key encryption, is made up of header file and individual code.
11. safety certifying method according to claim 7 is characterized in that, also need guarantee to have finished following preliminary work in that execution in step (1) is preceding: the user's that user, mobile electronic device and transaction backstage are provided identity code is bound; Simultaneously user's identity code and account No. are bound; The registered Bank Account Number that provides in the identity code of businessman and this businessman on transaction backstage is bound; The client needs to reserve trading password and payment cipher after registration finishes on the transaction background server, and the proprietary software that the client needs the download transactions backstage to provide when using for the first time uses the transaction software of the trading password utilization download of being stayed to activate this software license on the transaction background server.
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2006100296256A CN101118627A (en) | 2006-08-01 | 2006-08-01 | Movable electric commerce payment transaction system and safety identification method thereof |
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| CNA2006100296256A CN101118627A (en) | 2006-08-01 | 2006-08-01 | Movable electric commerce payment transaction system and safety identification method thereof |
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| CN102968864A (en) * | 2012-10-31 | 2013-03-13 | 中兴通讯股份有限公司 | Method and device used for controlling start-up and based on neat field communication (NFC) and terminal |
| CN103955828A (en) * | 2014-05-13 | 2014-07-30 | 陈业军 | System and method for point-to-point payment |
| CN104732376A (en) * | 2013-12-24 | 2015-06-24 | 腾讯科技（深圳）有限公司 | Payment code reset method, terminal and system |
| WO2015096437A1 (en) * | 2013-12-26 | 2015-07-02 | Tencent Technology (Shenzhen) Company Limited | Systems and methods for safe payments |
| CN105608562A (en) * | 2008-04-24 | 2016-05-25 | 高通股份有限公司 | Electronic payment system |
| CN101635076B (en) * | 2009-05-31 | 2016-08-24 | 飞天诚信科技股份有限公司 | A kind of transaction system and implementation method |
| CN106897881A (en) * | 2017-02-07 | 2017-06-27 | 桂林理工大学 | On-line payment method with visible ray Yu the two-way public key system certification of bar code |
| CN107464105A (en) * | 2017-09-15 | 2017-12-12 | 深圳天珑无线科技有限公司 | Device pays interactive authentication method and its system |
| CN107633392A (en) * | 2017-09-15 | 2018-01-26 | 深圳天珑无线科技有限公司 | Device reimbursement interactive authentication method and its system |
| CN109104712A (en) * | 2018-07-17 | 2018-12-28 | 葫芦岛智多多科技有限责任公司 | A kind of wireless charging encryption system and its encryption method based on NFC function |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105608562A (en) * | 2008-04-24 | 2016-05-25 | 高通股份有限公司 | Electronic payment system |
| CN101635076B (en) * | 2009-05-31 | 2016-08-24 | 飞天诚信科技股份有限公司 | A kind of transaction system and implementation method |
| CN102968864B (en) * | 2012-10-31 | 2015-05-20 | 中兴通讯股份有限公司 | Method and device used for controlling start-up and based on neat field communication (NFC) and terminal |
| CN102968864A (en) * | 2012-10-31 | 2013-03-13 | 中兴通讯股份有限公司 | Method and device used for controlling start-up and based on neat field communication (NFC) and terminal |
| CN104732376A (en) * | 2013-12-24 | 2015-06-24 | 腾讯科技（深圳）有限公司 | Payment code reset method, terminal and system |
| CN104732376B (en) * | 2013-12-24 | 2020-01-24 | 腾讯科技（深圳）有限公司 | Payment password resetting method, terminal and system |
| WO2015096437A1 (en) * | 2013-12-26 | 2015-07-02 | Tencent Technology (Shenzhen) Company Limited | Systems and methods for safe payments |
| CN103955828A (en) * | 2014-05-13 | 2014-07-30 | 陈业军 | System and method for point-to-point payment |
| CN106897881A (en) * | 2017-02-07 | 2017-06-27 | 桂林理工大学 | On-line payment method with visible ray Yu the two-way public key system certification of bar code |
| CN106897881B (en) * | 2017-02-07 | 2020-10-09 | 桂林理工大学 | Online payment method with visible light and bar code bidirectional public key system authentication |
| CN107464105A (en) * | 2017-09-15 | 2017-12-12 | 深圳天珑无线科技有限公司 | Device pays interactive authentication method and its system |
| CN107633392A (en) * | 2017-09-15 | 2018-01-26 | 深圳天珑无线科技有限公司 | Device reimbursement interactive authentication method and its system |
| CN107633392B (en) * | 2017-09-15 | 2021-06-08 | 深圳天珑无线科技有限公司 | Device refund interactive authentication method and system |
| CN109104712A (en) * | 2018-07-17 | 2018-12-28 | 葫芦岛智多多科技有限责任公司 | A kind of wireless charging encryption system and its encryption method based on NFC function |
| CN109104712B (en) * | 2018-07-17 | 2021-04-30 | 北京神州安付科技股份有限公司 | Wireless recharging encryption system based on NFC function and encryption method thereof |
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Open date: 20080206 |