CN101118629A - Bank electric payment security system and processing method thereof - Google Patents
Bank electric payment security system and processing method thereof Download PDFInfo
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- CN101118629A CN101118629A CNA2007101224207A CN200710122420A CN101118629A CN 101118629 A CN101118629 A CN 101118629A CN A2007101224207 A CNA2007101224207 A CN A2007101224207A CN 200710122420 A CN200710122420 A CN 200710122420A CN 101118629 A CN101118629 A CN 101118629A
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Abstract
The present invention relates to an electronic payment security system for a bank, and consists of a client terminal and a bank terminal. The client terminal consists of a multi-purpose security device for computing electronic payment codes and a device with functions of inputting and displaying. The bank terminal consists of a bank counter computer terminal, a foreground scrambler loader and a cryptological business management system of electronic payment. The present invention also discloses a method for handling bank electronic payment codes. First, the multi-purpose bank security device for computing electronic payment codes is initialized, then the security device is connected with the device with functions of inputting and displaying, and then the request information of computing electronic payment codes is sent to the security device. The security device judges the request information, chooses relevant cryptological algorithm to compute to generate electronic payment codes and finally supplies the electronic payment codes to a bank to achieve secure payment activities.
Description
Technical field
The present invention relates to the E-Payment field, particularly a kind of bank electric payment security system and disposal route thereof.
Background technology
Along with enriching of bank capital means of payment, and the progress of corresponding payment verification technique, the notion of electronic payment secret code expands to fields such as Web bank's payment and bank card payment from traditional ticket payment.But, radical change does not but take place in payment flow that it is basic and proof procedure, that is: by the user who opens an account with the bank at the payment prerequisite sub-payment cipher of powering, bank confirms that according to electronic payment secret code user's identity is whether legal and whether this payment transaction information is complete, accurate, after the payment cipher checking is passed through, carry out operations such as payment and record keeping by bank's background system.
The bank electric payment password is in the business such as bank money, Web bank and bank card in bank, is generated or sets and in the confession of payment funding prerequisite, be used for the password that bank confirms user identity and payment transaction content, i.e. electronic payment secret code by user side.
Being used for main " the electric payment security system technical manual " according to office of national commercial cipher management committee (national commercial cipher management board) and the promulgation of payment and settlement department of People's Bank of China of the electronic payment secret code of bank money reaches standards such as " business norms " and generates.Promptly according to essential informations such as the account number on the bill, the amount of money, calculate the digital signature (being electronic payment secret code) that generates by the payment cipher computing equipment according to specific cryptographic algorithm, Password Length is 16 bit digital.
In the prior art, the electronic payment secret code that is used for bank money mainly generates by a kind of special hand-held electronic payment cipher equipment that the user buys, scrambler is before paying user's use, need carry out device initialize in bank, and add user's account No. and generate at random and the unique corresponding key of user account number.Existing hand-held electronic payment cipher be mainly used in for the enterprise that opens an account in bank when issuing bank bill (as: check, draft application form etc.), calculate the payment cipher of this bill correspondence, and payment cipher is filled on the bill assigned address by enterprise, to substitute traditional seal function, payment cipher will be received the foundation of examining payment (promptly confirming signed by and ticket contents legitimacy and integrality) behind the bill as bank.After bank cashier is received the bill that records electronic payment secret code information, by bank computer terminal input billing information (that is: account number, bill number, bill kind, the amount of money, date and payment cipher), counting bank notes's accounting system is verified the payment cipher verifying system that above-mentioned billing information is sent to the bank backstage by network, after the payment cipher checking was passed through, the bank main system finished corresponding payment automatically, the operation of keeping accounts.Nowadays bank electric payment scrambler system has been widely used in bank in the same city of public bill, trans-regional clearance and " banking procedure where deposits and withdrawals are processed at any branch bank " payment transaction.
The electronic payment secret code that is used for Web bank is mainly according to Electronic Signature Law and concerned countries standard, adopt digital certificate technique that digital signature and checking are carried out in the online payment transaction, it transmits Transaction Information by the Internet internet, the key of storing in the cryptographic algorithm of use digital certificate appointment and the certificate, internet bank trade information is carried out digital signature, promptly generate electronic payment secret code, Password Length is generally 1024 bits or longer binary data.
In the prior art, the electronic payment secret code that is used for Web bank, mainly calculate by a kind of USB Token cipher key equipment combine digital certificate function, perhaps use the digital certificate of document form, carry out related operation by PC, generate the digital signature of this online payment transaction or claim electronic payment secret code.Owing to adopt the document certificate mode to have tangible potential safety hazard, therefore only be example explanation Web bank payment system below in the mode of using USB Token.At first, the enterprise customer buys a special USB Token cipher key equipment in bank's application, and the digital certificate of application of the certificate registration/authentication administrative system (that is: CA/RA system) by being arranged on bank and download user, and the digital certificate store that the CA/RA system is issued is paid the user and is used in user USB Token equipment; After this, when user's logging in to online banks system concludes the business, in input with after generating this Transaction Information (as: account number, the amount of money etc.) USBToken is inserted PC, the Net silver client software will call USB Token and calculate the digital signature that generates this transaction or claim electronic payment secret code; At last, the Net silver client software is sent to transaction data and trading signature by the internet on-line banking back office system of bank, by the correctness of bank's background system by CA/RA system verification payment cipher, checking by after be sent to the bank main system and carry out transaction such as payment, record keeping and operate.Domestic primary commercial bank has all opened Web bank's payment system of supporting USB Token equipment at present.
The password that is used for bank card payment is generally set up on their own or is used the dynamic password card to generate by bank card user, Password Length is generally the numeral of the fixing or dynamic change of 6 or 8.
In the prior art, the electronic payment secret code that is used for bank card generally sets up a fixing trading password on their own by the user when opening card, the user also can use the equipment of a kind of being called " dynamic password card " or " dynamic password card/token " and generate, and this fully can be regularly or generate the electronic payment secret code of different dynamic changes when each the use.Because the fixed password that the user sets up on their own is stolen easily, has more serious safety problem, therefore only be example explanation bank card paying system below in the mode of using the dynamic password card.At first, the user buys a special dynamic password card apparatus in bank's application, and finish the initial work of dynamic password card in bank by the dynamic password card management system, promptly generate with the unique corresponding symmetry algorithm key of dynamic password card apparatus be provided with one and can keep client and the synchronous initial counter value of service end.When the user uses the bank card payment, as on the POS terminal, swiping the card, when enchashment or use bank system of web are paid on the ATM, the user need will use the current password numerical value of dynamic password card generation as electronic payment secret code, input POS terminal, Web bank payment transaction interface on ATM or the PC browser, POS, the Transaction Information that ATM or PC browser Net silver client software will comprise electronic payment secret code is sent to bank card center and issuing bank by fixed-line telephone network or internet, the bank card password verifying system of issuing bank will verify that payment cipher is carried out transaction operations such as payment and record keeping by the checking back by the bank main system to the payment cipher of transaction.
Summary of the invention
The objective of the invention is to, the E-Payment field that the present invention relates to is provided, particularly a kind of bank electric payment security system and disposal route thereof, to solve in the prior art, bank is when providing ticket payment, Web bank's payment and the service of bank card payment transaction to the client, need three kinds of differences of duplicate construction but functionally similar electric payment security system, and system's resources consumption problem that can not generally cause each other; And bank client need buy respectively and hold three kinds of different client devices and just can carry out above-mentioned payment transaction, thereby it is inconvenient to cause bank client to use, and increases problems such as client's cost of investment.
To achieve these goals, the invention discloses a kind of bank electric payment security system, comprise client and bank end, described client comprises the safety feature of multi-usage calculating electronic payment secret code and the equipment that has input, Presentation Function, described bank end comprises that bank counter computer terminal, foreground scrambler add carrier aircraft and electronic payment secret code business management system, wherein:
Described multi-usage is calculated the safety feature of electronic payment secret code, is used for calculating the electronic payment secret code that multiple bank payment services uses;
Described multi-usage is calculated the safety feature of electronic payment secret code, be connected use with the described equipment that has input, Presentation Function, the described equipment that has input, Presentation Function realizes that input is used to calculate the function of each fundamental of electronic payment secret code, and shows the function of calculating the electronic payment secret code data that generate;
Described bank foreground scrambler adds carrier aircraft, be used for being connected, realize that described safety feature calculates the prefunctional device initialize function of electronic cipher in the execution client with the safety feature of described bank counter computer terminal and described multi-usage calculating electronic payment secret code;
Described electronic payment secret code business management system includes and the corresponding a plurality of electronic payment secret code service sub-systems of described multiple bank payment services.
Preferable, described bank electric payment security system, in the electronic payment secret code that can support to use in the following multiple bank payment services at least two kinds:
The electronic payment secret code that bank money payment transaction is used;
The electronic payment secret code that Web bank's payment transaction is used;
The electronic payment secret code that bank card payment transaction is used.
Preferable, the special-purpose portable equipment that the described equipment that has input, Presentation Function comprises the computing machine that has input, Presentation Function and has input, Presentation Function.
Preferable, in the described computing machine that has input, a Presentation Function, comprise a safety feature management control module, the computer based man-machine interactive interface when being used to realize the access security device; The safety feature that described multi-usage is calculated electronic payment secret code is connected with the described computing machine that has input, Presentation Function by USB interface of computer or COM port or IEEE1394 port, or is connected with the described special-purpose portable equipment that has input, Presentation Function by USB interface or COM port.
Preferable, in the described computing machine that has input, a Presentation Function, also comprise a bill printing module, be used for after electronic payment secret code generates, drive printer billing information and electronic payment secret code are printed on the bill carrier.
Preferable, in the described bank counter computer terminal, comprise bank's foreground safety feature administration module, be used for before the safety feature that multi-usage is calculated electronic payment secret code delivers to customer to use, the safety feature that described multi-usage is calculated electronic payment secret code carries out device initialize, and finishes the function that loads customer information of bank.
To achieve these goals, the invention also discloses a kind of bank electric payment cipher processing method, may further comprise the steps:
Steps A, the safety feature that bank's multi-usage is calculated electronic payment secret code carries out initialization;
Step B, the safety feature that described multi-usage is calculated electronic payment secret code are connected on the described equipment that has input, a Presentation Function;
Step C, the described equipment that has input, Presentation Function send a solicited message of calculating electronic payment secret code is calculated electronic payment secret code to described multi-usage safety feature;
Step D, the safety feature of multi-usage calculating electronic payment secret code is judged described request information, selects corresponding cryptographic algorithm to carry out computing, and generates electronic payment secret code;
Step e offers bank to realize safe payment behavior with described electronic payment secret code.
Preferable, in above-mentioned bank electric payment cipher processing method, the special-purpose portable equipment that the described equipment that has input, Presentation Function comprises the computing machine that has input, Presentation Function and has input, Presentation Function.
Preferable, described request information is for calculating the electronic payment secret code of bank money; Described steps A comprises the following steps:
Steps A 1, the safety feature that described multi-usage is calculated electronic payment secret code adds carrier aircraft by bank's end scrambler and is connected on the bank computer terminal, and described scrambler adds carrier aircraft and also comprises a interface convertor from USB interface or serial communication interface or IEEE1394 communication port to bank computer terminal serial ports;
Steps A 2, bank's end sends instruction and data download by the safety feature that the foreground safety feature administration module in the described bank counter computer terminal calculates electronic payment secret code to described multi-usage, after the safety feature of described multi-usage calculating electronic payment secret code is judged instruction, the user account information of receive downloading, and the cryptographic algorithm that calls the payment transaction correspondence to generate corresponding key right;
Steps A 3 partly is stored in described multi-usage with private key and calculates in the safe storage of safety feature inside of electronic payment secret code, and the PKI part then is uploaded to described electronic payment secret code operation system and preserves.
Preferable, described request information is for calculating the electronic payment secret code of internet bank trade; Described steps A comprises the following steps:
Steps A 1 ', it is right that the safety feature that described multi-usage is calculated electronic payment secret code produces an asymmetric cryptographic algorithm key that is used to generate Web bank's digital certificate appointment, and private key partly is kept at described multi-usage calculates in the safe storage of safety feature inside of electronic payment secret code, PKI partly is uploaded to described electronic payment secret code service sub-system;
Steps A 2 ', described electronic payment secret code service sub-system, the root key of using system carries out the digital signature operation to the client public key information of uploading, and generating the customer digital certificate that includes system's root key signature, system preserves user's digital certificate and digital certificate is downloaded in the safety feature;
Steps A 3 ', the safety feature of described multi-usage calculating electronic payment secret code receives the customer digital certificate of system downloads, digital certificate is kept in the safe storage of safety feature.
Preferable, described request information is for calculating the electronic payment secret code of bank card business dealing; Described steps A comprises the following steps:
Steps A 1 ", the safety feature that described multi-usage is calculated electronic payment secret code produces one and is used for that dynamic password produces and the symmetric cryptographic algorithm key of checking, and is kept at described multi-usage and calculates in the safe storage of safety feature inside of electronic payment secret code;
Steps A 2 ", the safety feature that described multi-usage is calculated electronic payment secret code is provided with an initial value at random for its built-in dull counter;
Steps A 3 ", symmetric cryptographic algorithm key and monotone counter initial value that safety feature is produced are uploaded to described electronic payment secret code service sub-system preservation.
Preferable, in above-mentioned bank electric payment cipher processing method, it is right with user's bank account or the unique corresponding key of equipment user or key that the safety feature that described multi-usage is calculated electronic payment secret code uses its built-in safety chip to produce, and this key or key are to producing at random according to the key generation function of the cryptographic algorithm of the electronic payment secret code correspondence of using in the described multiple bank payment services.
Preferable, when described request information is when calculating the electronic payment secret code of bank money, in the described step e, to comprise the following steps:
Step e 1 is copied the bank money electronic payment secret code that generates on the assigned address of corresponding bill by the user, or by described bill printing module drive printer, described bank money electronic payment secret code is printed on the assigned address of bill;
Step e 2, when the bill of copying or print the bank money electronic payment secret code is submitted to bank and requires to pay, billing information and bill electronic payment secret code are entered in the banking system, send the request of veritification to the end bill electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system by banking system, whether the electronic payment secret code of veritifying user's bill is correct;
Step e 3, bill cryptographic core check system is veritified the result notification banking system with electronic payment secret code, if the correctly operation then the banking system execution is paid, kept accounts of password; If password mistake then banking system returns the error message of bank counter computer terminal, transaction stops.
Preferable, when described request information is when calculating the internet bank trade electronic payment secret code, in the described step e, to comprise the following steps:
Step e 1 ', in client, operate the described computing machine that has input, Presentation Function by the user, be connected with end Internet-based banking services system of bank by the internet, and transmit described internet bank trade electronic payment secret code and the concrete payment transaction information that generates;
Step e 2 ', after end Internet-based banking services system of bank receives the customer transaction request, send the request of veritification to end Web bank of the bank in described electronic payment secret code service sub-system electronic payment secret code verifying system, whether the electronic payment secret code of veritifying user's internet bank trade is correct;
Step e 3 ', Web bank's cryptographic core check system is veritified result notification Internet-based banking services system with electronic payment secret code, if the correctly operation then the execution of Internet-based banking services system is paid, kept accounts of password; If password mistake then return the client computer error message, transaction stops.
Preferable, when described request information is when calculating the bank card business dealing electronic payment secret code, in the described step e, to comprise the following steps:
Step e 1 "; in client; operate the described computing machine that has input, Presentation Function by the user; or POS terminating machine or ATM self-help bank terminal device; by internet or fixed digital data communication network or mobile digital data communication network; be connected with end bank card business system of bank, and transmit described bank card business dealing electronic payment secret code and the concrete payment transaction information that generates;
Step e 2 "; after end bank card business system of bank receives the customer transaction request; send the request of veritification to the end bank card electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system, whether the electronic payment secret code of veritifying user's bank card business dealing is correct;
Step e 3 ", the bank card password verifying system is veritified result notification bank card business system with electronic payment secret code, if the correctly operation then the execution of bank card business system is paid, kept accounts of password; If password mistake then return client computer or POS terminal or ATM error message, transaction stops.
A kind of bank electric payment security system of the present invention and disposal route thereof have following beneficial effect: realization of the present invention will be bank that payment transaction is provided and the comprehensive electric payment security system solution of bank client structure one cover of using payment transaction.For bank, implementing the present invention will help bank's unified planning and construction can either support bank to have payment transaction now, can take into account the secure payment infrastructure based on cryptographic technique of following new payment transaction again, can save investment, shortening construction period, the reduction system maintenance cost of bank greatly, in addition owing to promote the use of the safety feature that unified multi-usage is calculated electronic payment secret code in client, improved client's acceptance, thereby cleared away obstacle for bank promotes various payment transactions.For bank client, implement the overlapping investment on the present invention can effectively reduce the calculating electronic payment secret code that the user uses in various bank payment services the safety equipment, and reduced the cost of investment of equipment, made things convenient for the management of user, simplified user's the process of manipulating equipment.
Describe the present invention below in conjunction with the drawings and specific embodiments, but not as a limitation of the invention.
Description of drawings
Fig. 1 is the structural representation of a kind of bank electric payment security system of the present invention;
Fig. 2 is the process flow diagram of a kind of bank electric payment cipher processing method of the present invention.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, a kind of bank electric payment security system of the present invention and disposal route thereof are further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
Bank electric payment security system of the present invention can support simultaneously that subscriber authentication and the transaction content in the multiple bank payment services such as bank money payment, Web bank's payment and bank card payment confirmed function.
Please refer to Fig. 1, this is the structural representation of a kind of bank electric payment security system of the present invention.As shown in Figure 1, bank electric payment security system 10 of the present invention comprises client 100 and bank's end 200.Described client 100 is used to allow the user calculate electronic payment secret code, sends operations such as electronic payment secret code and affirmation E-Payment behavior, transaction between the operations such as E-Payment behavior that described bank end 200 is used to receive whether electronic payment secret code that user side 100 sends, checking user's identity legal, whether the checking electronic payment secret code legal and confirm the user, described client 100 and bank end 200 by bank money circulate system, fix or modes such as mobile telephone network and internet are carried out business and are connected.
Described client 100 comprises the safety feature 110 of multi-usage calculating electronic payment secret code and the equipment 120 that has input, Presentation Function.
Described multi-usage is calculated the safety feature 110 of electronic payment secret code, is used for calculating and producing the electronic payment secret code that ticket payment, Web bank's payment and bank card payment are used.It can be connected with the USB interface of subscriber computer or COM port or IEEE1394 port, realizes the online calculating and the printing function of electronic payment secret codes by the safety feature management control module on the computing machine 1211; It also can be connected with the serial communication interface or the USB interface of the special-purpose portable equipment 122 that has input, Presentation Function of user side, by using the input-output unit on the portable equipment, realize the off-line computation function of bill electronic payment secret code and bank card electronic payment secret code.
Above-mentioned multi-usage is calculated the safety feature 110 of electronic payment secret code, describes in detail in the inventor's application number is the Chinese invention patent application of 200710120185.X, quotes in full herein, gives unnecessary details no longer one by one.
The described equipment 120 that has input, Presentation Function comprises computing machine 121 that has input, Presentation Function and the special-purpose portable equipment 122 that has input, Presentation Function.Describedly have an input, the computing machine 121 of Presentation Function, be used for the safety feature 110 of described multi-usage calculating electronic payment secret code is passed through USB port or COM port or the connection of IEEE1394 port thereon, and have an input by described, the input of the computing machine 121 of Presentation Function, Presentation Function cooperates described multi-usage to calculate the associative operation of the safety feature 110 off-line computation bill electronic payment secret code business of electronic payment secret code, and the associative operation that needs the Web bank's digital certificate authentication business and the bank card electronic payment secret code business of on line operation by internet and bank's end 200.The described special-purpose portable equipment 122 that has input, Presentation Function, be used for the safety feature 110 of described multi-usage calculating electronic payment secret code is connected thereon by USB port or COM port, and carry out the associative operation of bill electronic payment secret code and bank card electronic payment secret code business by safety feature 110 off lines that described input, the Presentation Function that has the special-purpose portable equipment 122 of input, Presentation Function cooperates described multi-usage to calculate electronic payment secret code.Wherein, describedly have an input, in the computing machine 121 of Presentation Function, comprise a safety feature management control module 1211, be used to realize that the safety feature 110 that calculates electronic payment secret code when described multi-usage connects the described input that has, during the computing machine 121 of Presentation Function, realize the computer based human-computer interaction interface, the operation prompt information that the user can provide on described graphoscope according to described safety feature management control module 1211, calculate every key element of electronic payment secret code by the computer keyboard input, and call described multi-usage and calculate the calculating that the safety feature 110 of electronic payment secret code is realized electronic payment secret code.
In another embodiment of the present invention, in the described computing machine 121 that has input, a Presentation Function, also comprise a bill printing module 1212, be used for after the bill electronic payment secret code generates, drive printer payment cipher and billing information are printed on the assigned address of bill.
Described bank end 200, can carry out business with described client 100 and be connected by circulate system, fixing or modes such as mobile telephone network and internet of bank money, comprise that bank counter computer terminal 210, foreground scrambler add carrier aircraft and interface convertor 220 and electronic payment secret code business management system 230.
In the described bank counter computer terminal 210, comprise foreground safety feature administration module 211.Described foreground safety feature administration module 211 is used to realize multi-usage is calculated the device initialize work of the safety feature 110 of electronic payment secret code.During safety feature 110 initialization of described multifunctional electronic payment cipher, need hold scrambler to add carrier aircraft and interface convertor 220 connection bank computer terminals 210 by bank, and the safety feature 110 that calculates electronic payment secret code to described multi-usage by described foreground safety feature administration module 211 sends instruction, realize the download user accounts information and produce scrambler account key or the right function of key, account's key or key are to producing in the safety chip in the safety feature 110 that calculates electronic payment secret code in described multi-usage, wherein the right private key of key partly is kept in the safety feature 110 of multi-usage calculating electronic payment secret code, the PKI part then network by bank sends in the electronic payment secret code operation system 230 on bank backstage and preserves, and uses when needs checking user's electronic payment cipher.Wherein, the cryptographic algorithm that calculates the bank money electronic payment secret code be as: the cryptographic algorithm of the close SSX10-B algorithm chip realization of state etc., the cryptographic algorithm that calculates the internet bank trade electronic payment secret code is as RSA 1024/2048 algorithm, ECC algorithm, SSF33 algorithm, SHA-1 and MD5 algorithm etc., and the cryptographic algorithm that calculates the bank card electronic payment secret code is as DES, 3-DES and aes algorithm etc.
Described foreground scrambler adds carrier aircraft and interface convertor 220, be used to connect the safety feature 110 of described bank counter computer terminal 210 and multi-usage calculating electronic payment secret code, with the protocol conversion of realization serial communication interface and USB interface, and the safety communication between computer terminal and the safety feature equipment.
Described electronic payment secret code operation system 230 comprises at least two in following 3 systems: the bill electronic payment secret code is veritified machine system 231, and Web bank's digital certificate authentication management system 232 and bank card electronic payment secret code are veritified machine system 233.
Described bill electronic payment secret code is veritified machine system 231, is used for bank's end 200 and concentrates the electronic payment secret code of veritifying user's bill.In addition, described bill electronic payment secret code is veritified the right PKI of key that has produced when machine system 231 has also preserved safety feature 110 initialization that described multi-usage calculates electronic payment secret code, and can realize functions such as user account key updating and key backup maintenance.
Described Web bank digital certificate authentication management system 232, be used for calculating the digital certificate of trading signature (electronic payment secret code) when distribution and the user of management bank use bank system of web, and be used for concentrating the checking user to use the internet bank trade electronic payment secret code of digital certificate calculating.The core content of described digital certificate is a pair of public private key pair, when the systemic-function initialization, calculate the inside generation of the safety feature 110 of electronic payment secret code in described multi-usage, wherein, PKI partly is uploaded to described Web bank digital certificate authentication management system 232, by system to its combine digital signature after, finish the making and the distribution of digital certificate, and download in the described safety feature 110 and use for the user; Private key is kept at described multi-usage and calculates in the safety feature 110 of electronic payment secret code, uses when calculating the electronic payment secret code of internet bank trade.
Described bank card electronic payment secret code is veritified machine system 233, be used for initialization client 100 and matching used dynamic password card of bank card or token (safety feature 110 that promptly refers to described multi-usage calculating electronic payment secret code), and the dynamic password (bank card electronic payment secret code) of concentrating the checking user when swiping the card payment, to provide.Described multi-usage is calculated the safety feature 110 of electronic payment secret code after described bank card electronic payment secret code is veritified 233 initialization of machine system, to have the electronic payment secret code function that generates dynamic change, produce a random key and an initial counter value at random in the safety feature 110 by described multi-usage calculating electronic payment secret code during initialization, above-mentioned information is after encrypting, the described bank card electronic payment secret code that is sent to described bank end 200 is veritified preservation in the machine system 233, when needs checking user bank card electronic payment secret code, the current Counter Value of user key of preserving in the extraction system and user is verified calculating.Simultaneously, dynamic password Counter Value in the safety feature 110 of described bank card electronic payment secret code veritification machine system 233 and multi-usage calculating electronic payment secret code can upgrade synchronously, and described bank card electronic payment secret code is veritified the function that machine system 233 has automatic correction Counter Error.
Please refer to Fig. 2, this is the process flow diagram of a kind of bank electric payment cipher processing method of the present invention.Of the present invention a kind of bank electric payment cipher processing method may further comprise the steps:
Step S100, the safety feature 110 that described multi-usage is calculated electronic payment secret code carries out initialization in bank electric payment security system of the present invention, the safety feature 110 that described multi-usage is calculated electronic payment secret code adds carrier aircraft and interface convertor 220 connection bank computer terminals 210 by bank's end scrambler, bank's end 200 sends instruction by the safety feature 110 that the foreground safety feature administration module 211 in the described bank counter computer terminal 210 calculates electronic payment secret code to described multi-usage, and described multi-usage is calculated the safety feature 110 of electronic payment secret code and downloaded accounts information and generate corresponding key by built-in cryptographic algorithm function from bank's end 200.Wherein, it is right to produce the key corresponding with account number in the safety chip of the safety feature 110 of described multi-usage calculating electronic payment secret code, and key produces according to the corresponding cryptographic algorithm function of the electronic payment secret code that uses in the multiple bank payment services at random to safety feature 110 inside of being calculated electronic payment secret code by described multi-usage.Wherein, private key is stored in described multi-usage and calculates in the safety feature 110 of electronic payment secret code, gives described electronic payment secret code operation system 230 on the PKI and preserves.Wherein, the cryptographic algorithm that calculates the bank money electronic payment secret code be as: the cryptographic algorithm of the close SSX10-B algorithm chip realization of state etc., the cryptographic algorithm that calculates the internet bank trade electronic payment secret code is as RSA 1024/2048 algorithm, ECC algorithm, SSF33 algorithm, SHA-1 and MD5 algorithm etc., and the cryptographic algorithm that calculates the bank card electronic payment secret code is as DES, 3-DES and aes algorithm etc.
Step S200, when the user need use the safety feature 110 of described multi-usage calculating electronic payment secret code to carry out electronic payment secret code calculating, the safety feature 110 that the user calculates electronic payment secret code with described multi-usage is connected the described input that has, on the equipment 120 of Presentation Function, wherein, the user can be connected the safety feature 110 of described multifunctional electronic payment cipher by USB interface or COM port or IEEE1394 port and have input, on the computing machine 121 of Presentation Function, or by USB interface or COM port the safety feature 110 of described multifunctional electronic payment cipher is connected and has input, on the special-purpose portable equipment 122 of Presentation Function.
Step S300, the user sends a solicited message is calculated electronic payment secret code to described multi-usage safety feature 110 by the described equipment 120 that has input, Presentation Function.
Step S400,110 pairs of described request information of safety feature of described multi-usage calculating electronic payment secret code are judged, select corresponding cryptographic algorithm and generate electronic payment secret code.Electronic payment secret code generation method herein is described in detail in the inventor's application number is the Chinese invention patent application of 200710120185.X, quotes in full herein, does not repeat them here.At this moment,, then enter step S500 if generation is the bank money electronic payment secret code, otherwise, step S700 entered.
Step S500 user copies described bank money electronic payment secret code and billing information on corresponding bill, or drives printer by described bill printing module 1212, and described bank money electronic payment secret code is printed on the bill.
Step S600, when the bill of copying or print the bank money electronic payment secret code is submitted to bank and requires to pay, the described bill electronic payment secret code of bank's end 200 is veritified billing information and the electronic payment secret code thereof that machine system 231 veritifies user's bill, and notifying bank's operation system is finished payment.
Step S700, client 100 is by the described equipment 120 that has input, Presentation Function, by internet or fixing/mobile digital data communication network etc., hold 200 to be connected with bank, and transmit described internet bank trade electronic payment secret code or bank card business dealing electronic payment secret code and payment information, the electronic payment secret code operation system 230 of bank's end 200 is veritified user's electronic payment secret code and corresponding information, and notifying bank's operation system is finished payment.
In above-mentioned steps S300, when described request information is when calculating the electronic payment secret code of bank money, among the described step S100, to comprise the following steps:
Step S111, the safety feature that described multi-usage is calculated electronic payment secret code adds carrier aircraft by bank's end scrambler and is connected on the bank computer terminal, and described scrambler adds carrier aircraft and also comprises a interface convertor from USB interface or serial communication interface or IEEE1394 communication port to bank computer terminal serial ports;
Step S112, bank's end sends instruction and data download by the safety feature that the foreground safety feature administration module in the described bank counter computer terminal calculates electronic payment secret code to described multi-usage, after the safety feature of described multi-usage calculating electronic payment secret code is judged instruction, the user account information of receive downloading, and call that the professional corresponding cryptographic algorithm of ticket payment password generates corresponding key or key is right;
Step S113 partly is stored in described multi-usage with the private key of cipher key pair and calculates in the safe storage of safety feature inside of electronic payment secret code, and the PKI part then is uploaded to described electronic payment secret code operation system and preserves.
In above-mentioned steps S300, when described request information is when calculating the electronic payment secret code of internet bank trade, among the described step S100, to comprise the following steps:
Step S121, it is right that the safety feature that described multi-usage is calculated electronic payment secret code produces an asymmetric cryptographic algorithm key that is used to generate Web bank's digital certificate appointment, and private key partly is kept at described multi-usage calculates in the safe storage of safety feature inside of electronic payment secret code, PKI partly is uploaded to described electronic payment secret code service sub-system;
Step S122, described electronic payment secret code service sub-system, the root key of using system carries out the digital signature operation to the client public key information of uploading, and generation includes the customer digital certificate of system's root key signature, system preserves user's digital certificate and digital certificate is downloaded in the safety feature, wherein, described root key is the root key of Net silver CA/RA digital certificate centring system;
Step S123, the safety feature of described multi-usage calculating electronic payment secret code receives the customer digital certificate of system downloads, digital certificate is kept in the safe storage of safety feature.
In above-mentioned steps S300, when described request information is when calculating the electronic payment secret code of bank card business dealing, among the described step S100, to comprise the following steps:
Step S131, the safety feature that described multi-usage is calculated electronic payment secret code produce one and are used for that dynamic password produces and the symmetric cryptographic algorithm key of checking, and are kept at described multi-usage and calculate in the safe storage of safety feature inside of electronic payment secret code;
Step S132, the safety feature that described multi-usage is calculated electronic payment secret code is provided with an initial value at random for its built-in dull counter;
Step S133, symmetric cryptographic algorithm key and monotone counter initial value that safety feature is produced are uploaded to described electronic payment secret code service sub-system preservation.
In above-mentioned steps S100, when described when being initialized as the initialization of function that realize to calculate the bank card electronic payment secret code, comprise that also a safety feature 110 for described multifunctional electronic payment cipher distributes a counter initial value at random, then key sum counter initial value is encrypted and be uploaded to described bank card electronic payment secret code veritification machine system 233 and preservation, guarantee the safety feature 110 of described multifunctional electronic payment cipher and the step that described bank card electronic payment secret code is veritified machine system 233 data sync.
In above-mentioned steps S100, when described when being initialized as the initialization of function that realize to calculate the bank card electronic payment secret code, do not comprise and produce and preserve the right step of key, be used for the symmetric cryptographic algorithm key that dynamic password produces and verifies but there is a safety feature 110 by described multifunctional electronic payment cipher to produce one, and be kept at the step of safety feature 110 inside of described multifunctional electronic payment cipher.
In an embodiment of the present invention, it is right with user's bank account or the unique corresponding key of equipment user or key that the safety feature that described multi-usage is calculated electronic payment secret code uses its built-in safety chip to produce, and this key or key are to producing at random according to the key generation function of the cryptographic algorithm of the electronic payment secret code correspondence of using in the described multiple bank payment services.
In above-mentioned steps S300, when the user need realize calculating the bank money electronic payment secret code, described request information comprised the fundamental information of bill; When the user need realize calculating Web bank's electronic payment secret code, the described request packets of information was drawn together online trading information; When the user need calculate the bank card electronic payment secret code, described request information comprised one group of random digit that bank's end provides, as " challenge code " of this transaction that is prompted to the user on online payment transaction interface, POS terminal or the ATM
In above-mentioned steps S600, also comprise the following steps:
Step S610 is copied the bank money electronic payment secret code that generates on the assigned address of corresponding bill by the user, or by described bill printing module drive printer, described bank money electronic payment secret code is printed on the assigned address of bill;
Step S620, when the bill of copying or print the bank money electronic payment secret code is submitted to bank and requires to pay, billing information and bill electronic payment secret code are entered in the banking system, send the request of veritification to the end bill electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system by banking system, whether the electronic payment secret code of veritifying user's bill is correct;
Step S630, bill cryptographic core check system is veritified the result notification banking system with electronic payment secret code, if the correctly operation then the banking system execution is paid, kept accounts of password; If password mistake then banking system returns the error message of bank counter computer terminal, transaction stops.
In above-mentioned steps S300, when described request information is when calculating the internet bank trade electronic payment secret code, among the described step S700, to comprise the following steps:
Step S711, in client, operate the described computing machine that has input, Presentation Function by the user, be connected with end Internet-based banking services system of bank by the internet, and transmit described internet bank trade electronic payment secret code and the concrete payment transaction information that generates;
Step S712, after end Internet-based banking services system of bank receives the customer transaction request, send the request of veritification to end Web bank of the bank in described electronic payment secret code service sub-system electronic payment secret code verifying system, whether the electronic payment secret code of veritifying user's internet bank trade is correct;
Step S713, Web bank's cryptographic core check system is veritified result notification Internet-based banking services system with electronic payment secret code, if the correctly operation then the execution of Internet-based banking services system is paid, kept accounts of password; If password mistake then return the client computer error message, transaction stops.
In above-mentioned steps S300, when described request information is that described step S700 comprises the following steps: when calculating the bank card business dealing electronic payment secret code
Step S721, in client, operate the described computing machine that has input, Presentation Function by the user, or POS terminating machine or ATM self-help bank terminal device, by internet or fixed digital data communication network or mobile digital data communication network, be connected with end bank card business system of bank, and transmit described bank card business dealing electronic payment secret code and the concrete payment transaction information that generates;
Step S722, after end bank card business system of bank receives the customer transaction request, send the request of veritification to the end bank card electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system, whether the electronic payment secret code of veritifying user's bank card business dealing is correct;
Step S723, the bank card password verifying system is veritified result notification bank card business system with electronic payment secret code, if the correctly operation then the execution of bank card business system is paid, kept accounts of password; If password mistake then return client computer or POS terminal or ATM error message, transaction stops.
In an embodiment of the present invention, when realizing calculating the bank money electronic payment secret code, described request information comprises the fundamental information of bill, that is: information such as account No., note number, bill kind, the date of making out an invoice, denomination; When realizing Web bank's electronic payment secret code, the described request packets of information is drawn together online trading information, i.e. information such as payment account, debit's account number, dealing money, transaction journal number; When realizing calculating the bank card electronic payment secret code, described request information comprises one group of random digit that bank's end provides, as " challenge code " of this transaction that is prompted to the user on online payment transaction interface, POS terminal or the ATM.
Above user sends the correlation step and the effect of solicited message, is described in detail in the inventor's application number is the Chinese invention patent application of 200710120185.X, quotes in full herein, does not repeat them here.
Certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.
Claims (15)
1. bank electric payment security system, comprise client and bank end, described client comprises the safety feature of multi-usage calculating electronic payment secret code and the equipment that has input, Presentation Function, described bank end comprises that bank counter computer terminal, foreground scrambler add carrier aircraft and electronic payment secret code business management system, is characterized in that:
Described multi-usage is calculated the safety feature of electronic payment secret code, is used for calculating the electronic payment secret code that multiple bank payment services uses;
Described multi-usage is calculated the safety feature of electronic payment secret code, be connected use with the described equipment that has input, Presentation Function, the described equipment that has input, Presentation Function realizes that input is used to calculate the function of the every fundamental of electronic payment secret code, and shows the function of calculating the electronic payment secret code data that generate;
Described bank foreground scrambler adds carrier aircraft, be used for being connected, realize that described safety feature calculates the prefunctional device initialize function of electronic cipher in the execution client with the safety feature of described bank counter computer terminal and described multi-usage calculating electronic payment secret code;
Described electronic payment secret code business management system includes and the corresponding a plurality of electronic payment secret code service sub-systems of described multiple bank payment services.
2. a kind of bank electric payment security system according to claim 1 is characterized in that, in the electronic payment secret code that can support to use in the following multiple bank payment services at least two kinds:
The electronic payment secret code that bank money payment transaction is used;
The electronic payment secret code that Web bank's payment transaction is used;
The electronic payment secret code that bank card payment transaction is used.
3. a kind of bank electric payment security system according to claim 1 is characterized in that, the special-purpose portable equipment that the described equipment that has input, Presentation Function comprises the computing machine that has input, Presentation Function and has input, Presentation Function.
4. a kind of bank electric payment security system according to claim 3, it is characterized in that, in the described computing machine that has input, a Presentation Function, comprise a safety feature management control module, the computer based man-machine interactive interface when being used to realize the access security device;
The safety feature that described multi-usage is calculated electronic payment secret code is connected with the described computing machine that has input, Presentation Function by USB interface of computer or COM port or IEEE1394 port, or is connected with the described special-purpose portable equipment that has input, Presentation Function by USB interface or COM port.
5. a kind of bank electric payment security system according to claim 3, it is characterized in that, in the described computing machine that has input, a Presentation Function, also comprise a bill printing module, be used for after electronic payment secret code generates, drive printer billing information and electronic payment secret code are printed on the bill carrier.
6. a kind of bank electric payment security system according to claim 1, it is characterized in that, in the described bank counter computer terminal, comprise bank's foreground safety feature administration module, be used for before the safety feature that multi-usage is calculated electronic payment secret code delivers to customer to use, the safety feature that described multi-usage is calculated electronic payment secret code carries out device initialize, and finishes the function that loads customer information of bank.
7. a bank electric payment cipher processing method is characterized in that, may further comprise the steps:
Steps A, the safety feature that bank's multi-usage is calculated electronic payment secret code carries out initialization;
Step B, the safety feature that the user calculates electronic payment secret code with described multi-usage are connected on the described equipment that has input, a Presentation Function;
Step C, the user sends a solicited message of calculating electronic payment secret code is calculated electronic payment secret code to described multi-usage safety feature by the described equipment that has input, Presentation Function;
Step D, the safety feature of described multi-usage calculating electronic payment secret code is judged described request information, selects corresponding cryptographic algorithm to carry out computing, and generates electronic payment secret code;
Step e offers bank to realize safe payment behavior with described electronic payment secret code.
8. bank electric payment cipher processing method according to claim 7 is characterized in that, the special-purpose portable equipment that the described equipment that has input, Presentation Function comprises the computing machine that has input, Presentation Function and has input, Presentation Function.
9. bank electric payment cipher processing method according to claim 7 is characterized in that, described request information is for calculating the electronic payment secret code of bank money;
Described steps A comprises the following steps:
Steps A 1, the safety feature that described multi-usage is calculated electronic payment secret code adds carrier aircraft by bank's end scrambler and is connected on the bank computer terminal, and described scrambler adds carrier aircraft and also comprises a interface convertor from USB interface or serial communication interface or IEEE1394 communication port to bank computer terminal serial ports;
Steps A 2, bank's end sends instruction and data download by the safety feature that the foreground safety feature administration module in the described bank counter computer terminal calculates electronic payment secret code to described multi-usage, after the safety feature of described multi-usage calculating electronic payment secret code is judged instruction, the user account information of receive downloading, and the cryptographic algorithm that calls the payment transaction correspondence to generate corresponding key right;
Steps A 3 partly is stored in described multi-usage with private key and calculates in the safe storage of safety feature inside of electronic payment secret code, and the PKI part then is uploaded to described electronic payment secret code operation system and preserves.
10. bank electric payment cipher processing method according to claim 7 is characterized in that, described request information is for calculating the electronic payment secret code of internet bank trade;
Described steps A comprises the following steps:
Steps A 1 ', it is right that the safety feature that described multi-usage is calculated electronic payment secret code produces an asymmetric cryptographic algorithm key that is used to generate Web bank's digital certificate appointment, and private key partly is kept at described multi-usage calculates in the safe storage of safety feature inside of electronic payment secret code, PKI partly is uploaded to described electronic payment secret code service sub-system;
Steps A 2 ', described electronic payment secret code service sub-system, the root key of using system carries out the digital signature operation to the client public key information of uploading, and generating the customer digital certificate that includes system's root key signature, system preserves user's digital certificate and digital certificate is downloaded in the safety feature;
Steps A 3 ', the safety feature of described multi-usage calculating electronic payment secret code receives the customer digital certificate of system downloads, digital certificate is kept in the safe storage of safety feature.
11. bank electric payment cipher processing method according to claim 7 is characterized in that, described request information is for calculating the electronic payment secret code of bank card business dealing;
Described steps A comprises the following steps:
Steps A 1 ", the safety feature that described multi-usage is calculated electronic payment secret code produces one and is used for that dynamic password produces and the symmetric cryptographic algorithm key of checking, and is kept at described multi-usage and calculates in the safe storage of safety feature inside of electronic payment secret code;
Steps A 2 ", the safety feature that described multi-usage is calculated electronic payment secret code is provided with an initial value at random for its built-in dull counter;
Steps A 3 ", symmetric cryptographic algorithm key and monotone counter initial value that safety feature is produced are uploaded to described electronic payment secret code service sub-system preservation.
12. according to each described bank electric payment cipher processing method among the claim 9-11, it is characterized in that, it is right with user's bank account or the unique corresponding key of equipment user or key that the safety feature that described multi-usage is calculated electronic payment secret code uses its built-in safety chip to produce, and this key or key produce at random to the key generation function of the cryptographic algorithm of the electronic payment secret code correspondence that will use according to described multiple bank payment services.
13. bank electric payment cipher processing method according to claim 7 is characterized in that, when described request information is when calculating the electronic payment secret code of bank money, in the described step e, to comprise the following steps:
Step e 1 is copied the bank money electronic payment secret code that generates on the assigned address of corresponding bill by the user, or by described bill printing module drive printer, described bank money electronic payment secret code is printed on the assigned address of bill;
Step e 2, when the bill of copying or print the bank money electronic payment secret code is submitted to bank and requires to pay, billing information and bill electronic payment secret code are entered in the banking system, send the request of veritification to the end bill electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system by banking system, whether the electronic payment secret code of veritifying user's bill is correct;
Step e 3, bill cryptographic core check system is veritified the result notification banking system with electronic payment secret code, if the correctly operation then the banking system execution is paid, kept accounts of password; If password mistake then banking system returns the error message of bank counter computer terminal, transaction stops.
14. bank electric payment cipher processing method according to claim 8 is characterized in that, when described request information is when calculating the internet bank trade electronic payment secret code, in the described step e, to comprise the following steps:
Step e 1 ', in client, operate the described computing machine that has input, Presentation Function by the user, be connected with end Internet-based banking services system of bank by the internet, and transmit described internet bank trade electronic payment secret code and the concrete payment transaction information that generates;
Step e 2 ', after end Internet-based banking services system of bank receives the customer transaction request, send the request of veritification to end Web bank of the bank in described electronic payment secret code service sub-system electronic payment secret code verifying system, whether the electronic payment secret code of veritifying user's internet bank trade is correct;
Step e 3 ', Web bank's cryptographic core check system is veritified result notification Internet-based banking services system with electronic payment secret code, if the correctly operation then the execution of Internet-based banking services system is paid, kept accounts of password; If password mistake then return the client computer error message, transaction stops.
15. bank electric payment cipher processing method according to claim 8 is characterized in that, when described request information is when calculating the bank card business dealing electronic payment secret code, in the described step e, to comprise the following steps:
Step e 1 "; in client; operate the described computing machine that has input, Presentation Function by the user; or POS terminating machine or ATM self-help bank terminal device; by internet or fixed digital data communication network or mobile digital data communication network; be connected with end bank card business system of bank, and transmit described bank card business dealing electronic payment secret code and the concrete payment transaction information that generates;
Step e 2 "; after end bank card business system of bank receives the customer transaction request; send the request of veritification to the end bank card electronic payment secret code verifying system of the bank in the described electronic payment secret code service sub-system, whether the electronic payment secret code of veritifying user's bank card business dealing is correct;
Step e 3 ", the bank card password verifying system is veritified result notification bank card business system with electronic payment secret code, if the correctly operation then the execution of bank card business system is paid, kept accounts of password; If password mistake then return client computer or POS terminal or ATM error message, transaction stops.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101224207A CN101118629A (en) | 2007-09-25 | 2007-09-25 | Bank electric payment security system and processing method thereof |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101224207A CN101118629A (en) | 2007-09-25 | 2007-09-25 | Bank electric payment security system and processing method thereof |
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| Publication Number | Publication Date |
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| CN101118629A true CN101118629A (en) | 2008-02-06 |
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| CNA2007101224207A Pending CN101118629A (en) | 2007-09-25 | 2007-09-25 | Bank electric payment security system and processing method thereof |
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| CN102609842A (en) * | 2012-01-19 | 2012-07-25 | 上海海基业高科技有限公司 | Payment cipher device based on hardware signature equipment, and application method of payment cipher device |
| CN103346881A (en) * | 2013-06-14 | 2013-10-09 | 上海海基业高科技有限公司 | Cloud computing system of bank payment passwords and application method thereof |
| CN104240071A (en) * | 2014-09-28 | 2014-12-24 | 陕西海基业高科技实业有限公司 | Cloud pay cipher device release system and application method thereof |
| CN104599124A (en) * | 2015-01-06 | 2015-05-06 | 宇龙计算机通信科技(深圳)有限公司 | Protection method and device of mobile payment information and mobile payment system |
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| CN108573581A (en) * | 2018-03-20 | 2018-09-25 | 中国工商银行股份有限公司 | ATM initial keys setting method, device, system and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102609842A (en) * | 2012-01-19 | 2012-07-25 | 上海海基业高科技有限公司 | Payment cipher device based on hardware signature equipment, and application method of payment cipher device |
| CN102609842B (en) * | 2012-01-19 | 2016-02-24 | 上海海基业高科技有限公司 | A kind of payment cipher device based on hardware signature equipment and application process thereof |
| CN103346881A (en) * | 2013-06-14 | 2013-10-09 | 上海海基业高科技有限公司 | Cloud computing system of bank payment passwords and application method thereof |
| CN104240071A (en) * | 2014-09-28 | 2014-12-24 | 陕西海基业高科技实业有限公司 | Cloud pay cipher device release system and application method thereof |
| CN104240071B (en) * | 2014-09-28 | 2018-05-08 | 上海海基业信息技术有限公司 | A kind of cloud payment cipher publishing system and its application process |
| CN104599124A (en) * | 2015-01-06 | 2015-05-06 | 宇龙计算机通信科技(深圳)有限公司 | Protection method and device of mobile payment information and mobile payment system |
| CN104657431A (en) * | 2015-01-28 | 2015-05-27 | 四川君逸数码科技发展有限公司 | Bank teller operational information processing system based on intelligent video technology |
| CN108573581A (en) * | 2018-03-20 | 2018-09-25 | 中国工商银行股份有限公司 | ATM initial keys setting method, device, system and storage medium |
| CN108573581B (en) * | 2018-03-20 | 2020-08-18 | 中国工商银行股份有限公司 | ATM initial key setting method, device, system and computer readable storage medium |
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