CN101964090A - Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards - Google Patents
Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards Download PDFInfo
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- CN101964090A CN101964090A CN2009101090305A CN200910109030A CN101964090A CN 101964090 A CN101964090 A CN 101964090A CN 2009101090305 A CN2009101090305 A CN 2009101090305A CN 200910109030 A CN200910109030 A CN 200910109030A CN 101964090 A CN101964090 A CN 101964090A
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Abstract
The invention relates to Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards. The Unionpay payment system comprises a Unionpay payment center (1), a 3G collection terminal (2) arranged at each shop as well as a payment card (3) and an identity smart card (4), of each user. The Unionpay payment center (1) records the number of the payment card (3) and the number of the identity smart card (4), of each user, in advance and matches the number of the payment card (3) of the user with the number of the identity smart card (4) of the user; during payment, the Unionpay payment center (1) authenticates the identity of a payer by using the identity smart card (4) of the user and authenticates payment amount by using the payment card (3) of the user; and the Unionpay payment center (1) blacklists the payment card (3) when the Unionpay payment center (1) finds that the number of the payment card (3) for the transaction is not matched with the number of the identity smart card (4), so that the payment card (3) can not be continuously used for payment.
Description
[technical field]
The present invention relates to payment technical field, particularly relate to a kind of Unionpay's payment system and method that adopts two card difference authenticating identities and payment.
[background technology]
At present, the application of E-Payment is more and more universal, various credits card, debit card, Bus Card or the like, become the main method of payment that people consume payment, use to pay by mails to save and carry cash, need not look for continuous change again, quite convenient and swift.But appearance along with the vacation card, the security of E-Payment is met a severe test, the lawless person utilizes all approach to steal or duplicate others' credit card, debit card, Bus Card etc., the account who uses these false cards to usurp true card then consumes payment, the user that order is replicated card sustains a loss, and being one has problem to be solved.
[summary of the invention]
Purpose of the present invention, be to provide a kind of Unionpay's payment system and method that adopts two card difference authenticating identities and payment, Payment Card (3) and identity smart-card (4) by the user authenticates payment and user identity respectively when payment, usurped by the people with Payment Card (3) account who prevents the user.
The object of the present invention is achieved like this, adopt a kind of like this Unionpay's payment system that adopts two card difference authenticating identities and payment, it is characterized in that, described system includes Unionpay paying centre (1), is arranged at the 3G cash receiving terminal (2) in each shop, each user's Payment Card (3) and identity smart-card (4)
Wherein,
Be provided with 3G mobile in the described 3G cash receiving terminal (2), 3G cash receiving terminal (2) is by establishing 3G mobile and Unionpay paying centre (1) data communication mutually in this, 3G cash receiving terminal (2) also is provided with and is used to read the reader device of Payment Card (3) and is used to read the reader device of identity smart-card (4);
Described Unionpay paying centre (1) records each user's Payment Card (3) card number and identity smart-card (4) card number, and each user's Payment Card (3) card number matches mutually with this user's identity smart-card (4) card number;
Described Payment Card (3) is used to authenticate payment;
Described identity smart-card (4) is used to authenticate disburser's identity, i.e. user's identity;
And,
During payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4), by 3G cash receiving terminal (2) Payment Card (3) card number and identity smart-card (4) card number that is read is sent to Unionpay paying centre (1), Unionpay paying centre (1) authenticates payment and authenticates disburser's identity according to identity smart-card (4) card number according to Payment Card (3) card number, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
For realizing purpose of the present invention, also adopt a kind of like this Unionpay's method of payment that adopts two card difference authenticating identities and payment, it is characterized in that, described method is included in Payment Card (3) card number and identity smart-card (4) card number that Unionpay paying centre (1) is write down each user in advance, user's Payment Card (3) card number is matched mutually with this user's identity smart-card (4) card number, then when payment, Unionpay paying centre (1) is adopted identity smart-card (4) authentication disburser's identity of user and is adopted user's Payment Card (3) authentication payment, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
So just realized purpose of the present invention.
Employing of the present invention is two to block the identity that Unionpay's payment system of authenticating identity and payment respectively and Payment Card (3) that method adopts the user respectively and identity smart-card (4) authenticate payment and user, even user's Payment Card is stolen or duplicated by the thief, the thief also can't use false card to consume payment.
[description of drawings]
Fig. 1 is the structural representation key diagram of Unionpay's payment system of two card difference authenticating identities of the employing of first embodiment of the invention and payment;
Fig. 2 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of first embodiment of the invention and payment;
Fig. 3 is the structural representation key diagram of Unionpay's payment system of two card difference authenticating identities of the employing of second embodiment of the invention and payment;
Fig. 4 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of second embodiment of the invention and payment;
Fig. 5 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of third embodiment of the invention and payment;
Fig. 6 is the Credit Card Payments step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of fourth embodiment of the invention and payment;
Fig. 7 is the debit payments step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of fifth embodiment of the invention and payment.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the straight line of band numeral and arrow.Accompanying drawing is schematically, in order to the principal character of system and method for the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the structural representation key diagram of Unionpay's payment system of two card difference authenticating identities of the employing of first embodiment of the invention and payment, system shown in Fig. 1 includes Unionpay paying centre (1), be arranged at the 3G cash receiving terminal (2) in each shop, each user's Payment Card (3) and identity smart-card (4), wherein, be provided with 3G mobile in the described 3G cash receiving terminal (2), 3G cash receiving terminal (2) is by establishing 3G mobile and Unionpay paying centre (1) data communication mutually in this, 3G cash receiving terminal (2) also is provided with and is used to read the reader device of Payment Card (3) and is used to read the reader device of identity smart-card (4); Described Unionpay paying centre (1) records each user's Payment Card (3) card number and identity smart-card (4) card number, and each user's Payment Card (3) card number matches mutually with this user's identity smart-card (4) card number; Described Payment Card (3) is used to authenticate payment; Described identity smart-card (4) is used to authenticate disburser's identity; And, during payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4), by 3G cash receiving terminal (2) Payment Card (3) card number and identity smart-card (4) card number that is read is sent to Unionpay paying centre (1), Unionpay paying centre (1) authenticates payment and authenticates disburser's identity according to identity smart-card (4) card number according to Payment Card (3) card number, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
Aspect being provided with, described Unionpay cellphones paying centre (1) is by mobile telephone network (5) and each 3G cash receiving terminal (2) data communication mutually, Unionpay cellphones paying centre (1) records 3G mobile is established in each shop in each Bank Account Number of merchant bank (6), each 3G cash receiving terminal (2) telephone number, and this telephone number is exactly the identification number of 3G cash receiving terminal (2).
Aspect the shop, the shop will be provided with one to multiple 3G cash receiving terminal (2), and in registering each 3G cash receiving terminal (2), Unionpay cellphones paying centre (1) establish the telephone number of 3G mobile and this shop Bank Account Number simultaneously in merchant bank (6), bundle mutually at the Bank Account Number of merchant bank (6) by telephone number and this shop of establishing 3G mobile in Unionpay cellphones paying centre (1) each 3G cash receiving terminal (2) each shop, later on by the transaction of paying of those 3G cash receiving terminals (2), the fund of being received can deposit the bank account of this shop in merchant bank (6) in.
At customer-side, the user will be at Unionpay cellphones paying centre (1) registered user's Payment Card (3) card number, identity smart-card (4) card number, Payment Card (3) card number is bundled mutually with user's identity smart-card (4) card number, make identity smart-card (4) card number of the corresponding pairing of each Payment Card (3) card number, whether Payment Card (3) card number and identity smart-card (4) card number that sends from 3G cash receiving terminal (2) time received in payment in Unionpay cellphones paying centre (1), match and determine whether authenticating this payment transaction with checking both.
Consult Fig. 2, Fig. 2 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of first embodiment of the invention and payment, method shown in Fig. 2 is included in Payment Card (3) card number and identity smart-card (4) card number that Unionpay paying centre (1) is write down each user in advance, user's Payment Card (3) card number is matched mutually with this user's identity smart-card (4) card number, then when payment, Unionpay paying centre (1) is adopted identity smart-card (4) authentication disburser's identity of user and is adopted user's Payment Card (3) authentication payment, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
Continue to consult Fig. 2, Payment Card shown in Fig. 2 (3) is a non-contact type smart card (Bus Card for example, Hongkong Octopus Cards etc. are used for the non-contact type smart card of little amount of money payment), store encrypted secure data in the Payment Card (3), comprise: card number, the balance that can be used for little amount of money payment, the transaction data of payment, be provided with a blacklist in the 3G cash receiving terminal (2) shown in the figure, 3G cash receiving terminal (2) can be refused any transaction of the contained card number of blacklist, and, described method comprises the A group step of using Payment Card (3) and identity smart-card (4) to carry out little amount of money payment, and concrete A group step is as follows:
A1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, read this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2), and the money of in the balance of this Payment Card (3), collecting this payment;
A2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) with this Payment Card (3) card number and this identity smart-card (4) card number and payment, and whether Unionpay paying centre (1) is checked this Payment Card (3) card number and matched mutually with this identity smart-card (4) card number;
A3. Unionpay paying centre (1) deposits the money of this payment in shop in the bank account of merchant bank (6) when clearing;
A4. when Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment.
In Unionpay's payment system and method for two card difference authenticating identities of employing of the present invention and payment, described identity smart-card (4) can be a second generation resident identification card, or Bus Card card, or the Hongkong Octopus Card card, or the intelligent wireless IC-card, they all are the non-contact type smart cards, the card number of these non-contact type smart cards, usually all be unique, the present invention utilizes this card number unique trait, with the information of card number as the authenticated identity.In addition, described Payment Card (3) is a credit card, or debit card, or the debt-credit card, or the Bus Card card, or the Hongkong Octopus Card card, or the card of withdrawing the money, or ATM card.
Consult Fig. 3, Fig. 3 is the structural representation key diagram of Unionpay's payment system of two card difference authenticating identities of the employing of second embodiment of the invention and payment, in the system shown in Fig. 3, described Payment Card (3) is the Bus Card card, or Hongkong Octopus Card card, and, described system also includes user's mobile phone (8) and the user bank card account in issuing bank (7), described bank card account comprises credit card account, or debit card account, or debt-credit card account, or the card account that withdraws the money, or the ATM card account, or the user is at the bank account of issuing bank (7), and the bank card account number with the user bundlees with user's Payment Card (3) card number and identity smart-card (4) card number and user's mobile phone (8) telephone number the user mutually in Unionpay paying centre (1) in advance.
In a second embodiment, Unionpay cellphones paying centre (1) also is provided with the interactive voice answering device and is used for each user's of little amount of money payment disbursement account, and registered user's mobile phone (8) telephone number and user bundle user's disbursement account at the bank card account number of issuing bank (7) with user's Payment Card (3) card number, user's identity smart-card (4) card number, user's mobile phone (3) telephone number and user mutually at the bank card account number of issuing bank (7).Second embodiment compares with first embodiment, and the main difference part comprises: among first embodiment, money is to be stored in the balance of Payment Card (3), and among second embodiment, money is to be stored in the user in the disbursement account of Unionpay cellphones paying centre (1).In a second embodiment, because money is to leave in the disbursement account of Unionpay cellphones paying centre (1), even Payment Card (3) has been cracked by the thief, maximum loss can not surpass the whole surplus in the corresponding disbursement account of this Payment Card (3) yet.And in first embodiment, if Payment Card (3) has been cracked by the thief, the balance of thief in can hack Payment Card (3), the loss that causes can be very big.
Consult Fig. 4, Fig. 4 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of second embodiment of the invention and payment, Unionpay paying centre (1) shown in Fig. 4 also is provided with the disbursement account that each user is used for little amount of money payment purposes, described disbursement account bundlees mutually with this user's Payment Card (3) card number and identity smart-card (4) card number, and, method shown in Fig. 4 also comprises the B group step of using Payment Card (3) and identity smart-card (4) to carry out little amount of money payment, and concrete B group step is as follows:
B1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
B2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
B3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, find out user's disbursement account from this Payment Card (3) card number, check enough this payments of surplus of this disbursement account errorless after, from the money of this disbursement account payment by the transfer of account amount of money to the shop at the bank account of merchant bank (6);
B4. after the account transfer, Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished.
Consult Fig. 5, Fig. 5 is the little amount of money payment step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of third embodiment of the invention and payment, the 3rd embodiment compares with second embodiment, difference is that second embodiment carries out little amount of money payment, money is to collect from user's disbursement account, and the 3rd enforcement version is to carry out a large sum of money payment, money is to collect the bank card account of issuing bank (7) from user user, but also after must the user confirming successfully, just can finish transaction by the payment cipher of mobile phone (8) input bank card account.Continue to consult Fig. 5, the method shown in Fig. 5 also comprises following C group step, is the user uses Payment Card (3) and identity smart-card (4) to pay at the bank card account of issuing bank (7) in conjunction with the user in the shop step, and concrete C group step is as follows:
C1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
C2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
C3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, user's mobile phone (8) telephone number and the user bank card account in issuing bank (7) is found out from this identity smart-card (4) card number in Unionpay cellphones paying centre (1), and Unionpay cellphones paying centre (1) sends a telegraph calling party's mobile phone (8) telephone number by mobile telephone network (5) then;
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (8), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) by interactive voice answering device this payment of computer verbal announcement user, asks the user to import bank card password and confirms;
C4. the user agrees payment just in the affirmation of mobile phone (8) input bank card password, but then with regard to hanging wire;
C5. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer at the bank card account number of issuing bank (7) and the shop of bank card password and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6) with the user;
C6. issuing bank (7) check bank card account number and payment and bank card password errorless after, from the money of this bank card account payment by the transfer of account amount of money to the shop at the bank account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
C7. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
C8. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success to user's mobile phone (8).
In the present embodiment, when calling party's mobile phone (8) is sent a telegraph in Unionpay cellphones paying centre (1), except can adopt make a call by dial mode, also can adopt a USSD information mode to replace dialing to realize making a call, be Unionpay cellphones paying centre (1) sends relevant payment to user's mobile phone (8) by mobile telephone network (5) USSD information, and wait for that user's answer, user agree that payment just imports payment cipher and reply Unionpay cellphones paying centre (1).No matter adopting dial mode or USSD information to make a call, all can realize purpose of the present invention well, all is to belong to protection scope of the present invention.
The Unionpay's payment system and the method for two card difference authenticating identities of employing of the present invention and payment, except can be applicable to above embodiment, also can be applicable to the payment of credit card and debit card, can increase the security when using credit card, debit payments, be described in further detail below in conjunction with Fig. 6 and Fig. 7.
Consult Fig. 6, Fig. 6 is the Credit Card Payments step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of fourth embodiment of the invention and payment, in the system shown in Fig. 6, described Payment Card (3) is a credit card, described method also comprises following D group step, be the user uses Payment Card (3) and identity smart-card (4) to pay in the shop step, concrete D group step is as follows:
D1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
D2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
D3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, Unionpay cellphones paying centre (1) is sent to the transaction that this payment is authorized in issuing bank (7) request with the shop of this Payment Card (3) card number and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6);
D4. issuing bank (7) check this Payment Card (3) card number and payment errorless after, this payment is billed to the account of this Payment Card (3) card number, the Trading Authorization information that will pay then is sent to Unionpay cellphones paying centre (1);
D5. Unionpay cellphones paying centre (1) the Trading Authorization information that will pay sends 3G cash receiving terminal (2) to, after 3G cash receiving terminal (2) is received the Trading Authorization information of this payment, prints the transaction receipt and gives the user, and transaction is finished;
D6. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified the payment data of subscriber-related this transaction to user's mobile phone (8).
Consult Fig. 7, Fig. 7 is the debit payments step schematic illustration of Unionpay's method of payment of two card difference authenticating identities of the employing of fifth embodiment of the invention and payment, in the system shown in Fig. 7, described Payment Card (3) is a debit card, described method also comprises following E group step, be the user uses Payment Card (3) and identity smart-card (4) to pay in the shop step, concrete E group step is as follows:
E1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, and the payment cipher of input Payment Card (3), read this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
E2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment and payment cipher;
E3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, Unionpay cellphones paying centre (1) is sent to issuing bank (7) request payment with the shop of this Payment Card (3) card number and payment cipher and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6);
E4. issuing bank (7) check this Payment Card (3) card number and payment cipher and payment errorless after, from the money of account's payment by the transfer of account amount of money of this Payment Card (3) card number to the shop at the bank account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
E5. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
E6. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success to user's mobile phone (8).
Below described feature of the present invention in detail, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
The Unionpay's payment system and the method for two card difference authenticating identities of employing of the present invention and payment are applicable to little amount of money payment and a large sum of money payment, and be safe and reliable, convenient and swift.
Claims (10)
1. the Unionpay's payment system that adopts two card difference authenticating identities and payment is characterized in that described system includes Unionpay paying centre (1), is arranged at the 3G cash receiving terminal (2) in each shop, each user's Payment Card (3) and identity smart-card (4),
Wherein,
Be provided with 3G mobile in the described 3G cash receiving terminal (2), 3G cash receiving terminal (2) is by establishing 3G mobile and Unionpay paying centre (1) data communication mutually in this, 3G cash receiving terminal (2) also is provided with and is used to read the reader device of Payment Card (3) and is used to read the reader device of identity smart-card (4);
Described Unionpay paying centre (1) records each user's Payment Card (3) card number and identity smart-card (4) card number, and each user's Payment Card (3) card number matches mutually with this user's identity smart-card (4) card number;
Described Payment Card (3) is used to authenticate payment;
Described identity smart-card (4) is used to authenticate disburser's identity;
And,
During payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4), by 3G cash receiving terminal (2) Payment Card (3) card number and identity smart-card (4) card number that is read is sent to Unionpay paying centre (1), Unionpay paying centre (1) authenticates payment and authenticates disburser's identity according to identity smart-card (4) card number according to Payment Card (3) card number, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
2. Unionpay's payment system of two card difference authenticating identities of employing as claimed in claim 1 and payment, it is characterized in that described identity smart-card (4) is a second generation resident identification card, or the Bus Card card, or Hongkong Octopus Card card, or intelligent wireless IC-card.
3. Unionpay's payment system of two card difference authenticating identities of employing as claimed in claim 1 and payment is characterized in that described Payment Card (3) is a credit card, or debit card, or the debt-credit card, or the Bus Card card, or the Hongkong Octopus Card card, or the card of withdrawing the money, or ATM card.
4. Unionpay's payment system of two card difference authenticating identities of employing as claimed in claim 1 and payment, it is characterized in that, described Payment Card (3) is the Bus Card card, or Hongkong Octopus Card card, and, described system also includes user's mobile phone (8) and the user bank card account in issuing bank (7), described bank card account comprises credit card account, or debit card account, or debt-credit card account, or the card account that withdraws the money, or ATM card account, or the user is at the bank account of issuing bank (7), and the bank card account number with the user bundlees with user's Payment Card (3) card number and identity smart-card (4) card number and user's mobile phone (8) telephone number the user mutually in Unionpay paying centre (1) in advance.
5. one kind is adopted two Unionpay's methods of payment of blocking difference authenticating identities and payment, adopt as each described system of claim 1 to 4, it is characterized in that, described method is included in Payment Card (3) card number and identity smart-card (4) card number that Unionpay paying centre (1) is write down each user in advance, user's Payment Card (3) card number is matched mutually with this user's identity smart-card (4) card number, then when payment, Unionpay paying centre (1) is adopted identity smart-card (4) authentication disburser's identity of user and is adopted user's Payment Card (3) authentication payment, when Unionpay paying centre (1) finds Payment Card (3) card number of this payment transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), makes this Payment Card (3) can not continue on for payment.
6. Unionpay's method of payment of two card difference authenticating identities of employing as claimed in claim 5 and payment, it is characterized in that, described Payment Card (3) is the non-contact type smart card, store encrypted secure data in the Payment Card (3), comprise: card number, the balance that can be used for little amount of money payment, the transaction data of payment, and described method comprises the A group step of using Payment Card (3) and identity smart-card (4) to carry out little amount of money payment, and concrete A group step is as follows:
A1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, read this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2), and the money of in the balance of this Payment Card (3), collecting this payment;
A2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) with this Payment Card (3) card number and this identity smart-card (4) card number and payment, and whether Unionpay paying centre (1) is checked this Payment Card (3) card number and matched mutually with this identity smart-card (4) card number;
A3. Unionpay paying centre (1) deposits the money of this payment in shop in the bank account of merchant bank (6) when clearing;
A4. when Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment.
7. Unionpay's method of payment of two card difference authenticating identities of employing as claimed in claim 5 and payment, it is characterized in that, described Unionpay paying centre (1) also is provided with the disbursement account that each user is used for little amount of money payment purposes, described disbursement account bundlees mutually with this user's Payment Card (3) card number and identity smart-card (4) card number, and, described method also comprises the B group step of using Payment Card (3) and identity smart-card (4) to carry out little amount of money payment, and concrete B group step is as follows:
B1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
B2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
B3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, find out user's disbursement account from this Payment Card (3) card number, check enough this payments of surplus of this disbursement account errorless after, from the money of this disbursement account payment by the transfer of account amount of money to the shop at the bank account of merchant bank (6);
B4. after the account transfer, Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished.
8. Unionpay's method of payment of two card difference authenticating identities of employing as claimed in claim 5 and payment, it is characterized in that, described method also comprises following C group step, be the user uses Payment Card (3) and identity smart-card (4) to pay at the bank card account of issuing bank (7) in conjunction with the user in the shop step, concrete C group step is as follows:
C1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
C2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
C3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, user's mobile phone (8) telephone number and the user bank card account in issuing bank (7) is found out from this identity smart-card (4) card number in Unionpay cellphones paying centre (1), and Unionpay cellphones paying centre (1) sends a telegraph calling party's mobile phone (8) telephone number by mobile telephone network (5) then;
The user knows it is the incoming call of Unionpay cellphones paying centre (1) from the caller identification of mobile phone (8), user's incoming call answering is called out Unionpay cellphones paying centre, back (1) by interactive voice answering device this payment of computer verbal announcement user, asks the user to import bank card password and confirms;
C4. the user agrees payment just in the affirmation of mobile phone (8) input bank card password, but then with regard to hanging wire;
C5. Unionpay cellphones paying centre (1) is sent to issuing bank (7) request account transfer at the bank card account number of issuing bank (7) and the shop of bank card password and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6) with the user;
C6. issuing bank (7) check bank card account number and payment and bank card password errorless after, from the money of this bank card account payment by the transfer of account amount of money to the shop at the bank account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
C7. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
C8. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success to user's mobile phone (8).
9. Unionpay's method of payment of two card difference authenticating identities of employing as claimed in claim 5 and payment, it is characterized in that, described Payment Card (3) is a credit card, described method also comprises following D group step, be the user uses Payment Card (3) and identity smart-card (4) to pay in the shop step, concrete D group step is as follows:
D1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, reads this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
D2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment;
D3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, Unionpay cellphones paying centre (1) is sent to the transaction that this payment is authorized in issuing bank (7) request with the shop of this Payment Card (3) card number and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6);
D4. issuing bank (7) check this Payment Card (3) card number and payment errorless after, this payment is billed to the account of this Payment Card (3) card number, the Trading Authorization information that will pay then is sent to Unionpay cellphones paying centre (1);
D5. Unionpay cellphones paying centre (1) the Trading Authorization information that will pay sends 3G cash receiving terminal (2) to, after 3G cash receiving terminal (2) is received the Trading Authorization information of this payment, prints the transaction receipt and gives the user, and transaction is finished;
D6. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified the payment data of subscriber-related this transaction to user's mobile phone (8).
10. Unionpay's method of payment of two card difference authenticating identities of employing as claimed in claim 5 and payment, it is characterized in that, described Payment Card (3) is a debit card, described method also comprises following E group step, be the user uses Payment Card (3) and identity smart-card (4) to pay in the shop step, concrete E group step is as follows:
E1. the cashier in shop is in 3G cash receiving terminal (2) input payment, the user is put into 3G cash receiving terminal (2) Card Reader with Payment Card (3) and identity smart-card (4) then, and the payment cipher of input Payment Card (3), read this Payment Card (3) card number and this identity smart-card (4) card number by 3G cash receiving terminal (2);
E2.3G cash receiving terminal (2) is sent to Unionpay paying centre (1) request payment with this Payment Card (3) card number and this identity smart-card (4) card number and payment and payment cipher;
E3. whether Unionpay paying centre (1) is checked this Payment Card (3) card number and is matched mutually with this identity smart-card (4) card number;
When Unionpay paying centre (1) finds Payment Card (3) card number of this transaction and identity smart-card (4) card number and non-matching, Unionpay paying centre (1) pipes off this Payment Card (3), and this Payment Card (3) card number is sent in the blacklist in each 3G cash receiving terminal (2), make this Payment Card (3) can not continue on for payment;
When Unionpay paying centre (1) check this Payment Card (3) card number and this identity smart-card (4) card number match mutually errorless after, Unionpay cellphones paying centre (1) is sent to issuing bank (7) request payment with the shop of this Payment Card (3) card number and payment cipher and payment and this 3G cash receiving terminal (2) at the Bank Account Number of merchant bank (6);
E4. issuing bank (7) check this Payment Card (3) card number and payment cipher and payment errorless after, from the money of account's payment by the transfer of account amount of money of this Payment Card (3) card number to the shop at the bank account of merchant bank (6), notify Unionpay cellphones paying centre (1) to transfer accounts successfully then;
E5. Unionpay cellphones paying centre (1) notice 3G cash receiving terminal (2) payment by the transfer of account success is printed the transaction receipt by 3G cash receiving terminal (2) and is given the user, and transaction is finished;
E6. Unionpay cellphones paying centre (1) is sent short messages by mobile telephone network (5) and is notified user's payment by the transfer of account success to user's mobile phone (8).
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101090305A CN101964090A (en) | 2009-07-24 | 2009-07-24 | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009101090305A CN101964090A (en) | 2009-07-24 | 2009-07-24 | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards |
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| WO2012177173A1 (en) * | 2011-06-24 | 2012-12-27 | Bilyukin Evgeniy Yakovlevich | Cash register for a mobile payment system |
| CN103295130A (en) * | 2012-02-24 | 2013-09-11 | 黄金富 | Payment system with dual authentication paths and corresponding method |
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| WO2012177173A1 (en) * | 2011-06-24 | 2012-12-27 | Bilyukin Evgeniy Yakovlevich | Cash register for a mobile payment system |
| CN103295130A (en) * | 2012-02-24 | 2013-09-11 | 黄金富 | Payment system with dual authentication paths and corresponding method |
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| CN107230078A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash payment is carried out using viewable numbers currency chip card |
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| CN107230077A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | Exchange the method and digital coin systems with payout figure currency |
| CN107230050A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash payment is carried out based on viewable numbers currency chip card |
| CN107230078B (en) * | 2016-03-25 | 2020-12-15 | 中国人民银行数字货币研究所 | Method and system for paying digital currency using a visual digital currency chip card |
| CN107230069B (en) * | 2016-03-25 | 2020-12-15 | 中国人民银行数字货币研究所 | Method and system for paying digital currency using digital currency chip card |
| CN107230073B (en) * | 2016-03-25 | 2021-03-16 | 中国人民银行数字货币研究所 | Method and system for paying digital currency between visible digital currency chip cards |
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