CN103514538B - The realization method and system that the magnetic card of internet pays - Google Patents
The realization method and system that the magnetic card of internet pays Download PDFInfo
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- CN103514538B CN103514538B CN201210207307.XA CN201210207307A CN103514538B CN 103514538 B CN103514538 B CN 103514538B CN 201210207307 A CN201210207307 A CN 201210207307A CN 103514538 B CN103514538 B CN 103514538B
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- track
- data
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention is applicable to network field, provides magnetic card method of payment and the system of a kind of internet, and the method includes: brushing card device obtains the magnetic track information of bank card, preserves this magnetic track information；When user needs payment, brushing card device prompting user inputs password, after the password receiving user's input, the magnetic track information of password and preservation is sent to internet banking system so that internet banking system completes payment according to this magnetic track information and password.The technical scheme that the present invention provides has user friendly advantage.
Description
Technical field
The invention belongs to internet arena, particularly relate to the realization that the magnetic card of a kind of internet pays
Technology.
Background technology
With the development of science and technology and network technology, computer network penetrates into the aspect of life
Face, such as shopping at network, network ticket booking, network promotion etc., along with the product of these business
Raw, shopping at network has just become the demand of a kind of client with network payment, in order to reach network payment
Function, each trade company occurs in that various product, and these are all that some means of payment are to facilitate use
Family net purchase.
Existing shopping at network mode is divided into two kinds:
The first, payment of directly swiping the card, this kind of mode needs requestee to carry magnetic card at any time to carry out
Swipe the card, during without magnetic card, it is impossible to carry out the service of swiping the card, for this kind of situation, existing skill
Art provides again a kind of method of payment, is commonly called as e-Bank payment.
The second, e-Bank payment, the mode of e-Bank payment is by providing a user with a kind of payment
Interface, after user logs in this interface, input card number and password (pin) complete pay, this
The mode of kind is quick and easy, is the main means of payment of current shopping at network.
During realizing prior art, the inventors discovered that prior art exists following skill
Art problem:
Prior art one cannot be carried out bankcard consumption when without card, inconvenient, often for client
Secondary all without payment of swiping the card；
Though prior art two pays convenient, but the operation of the Net silver early stage of prior art two is numerous
Trivial, need user to go to bank to carry out the related bindings of Net silver, long flow path, complex operation,
And the Internet bank cannot be carried out inter-bank operation, the Net silver of such as Bank of China cannot be carried out promoting trade and investment
The associative operation of bank net card.
In sum, prior art there is user in-convenience in use shortcoming.
Content of the invention
The purpose of the embodiment of the present invention is the realization side providing the magnetic card of a kind of internet to pay
Method, it is intended to solve existing technical scheme user's inconvenient problem with use.
The embodiment of the present invention is achieved in that the realization side that the magnetic card of a kind of internet pays
Method, described method specifically includes:
Brushing card device obtains the magnetic track information of bank card, after being encrypted described magnetic track, obtains
Ciphertext track data, then carries out visualization conversion ciphertext track data, obtains character string
ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
Randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code storage in character string ORIGINAL_TRACK_DATA；
When user needs payment, brushing card device prompting user inputs password and condition code, will use
The condition code of family input, the non-condition code of preservation and described INDEX are combined into ciphertext track number
According to rear, this ciphertext track data and password are sent to internet banking system so that internet banking system is according to this
Ciphertext magnetic track information and password complete payment.
On the other hand, providing the implementation method that the magnetic card of a kind of internet pays, described method has
Body includes:
Brushing card device obtains the magnetic track information of bank card, after described magnetic track information is encrypted,
Obtain ciphertext track data, then ciphertext track data is carried out visualization conversion, obtain character
String ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
In randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code in character string ORIGINAL_TRACK_DATA be sent to internet banking system with
Internet banking system is made to store described non-condition code and described positional information INDEX；
When user needs payment, brushing card device prompting user inputs password and condition code, will use
Family input condition code and password is sent to internet banking system so that internet banking system is according to condition code, guarantor
After the non-condition code deposited and INDEX are combined into ciphertext track data, according to this track data and
Password completes payment.
Another aspect, provides a kind of brushing card device, and described brushing card device includes: obtains and preserves list
Unit and prompting transmitting element；
Described acquisition storage unit is specifically for obtaining the magnetic track information of bank card, by described magnetic track
After being encrypted, obtain ciphertext track data, then ciphertext track data is carried out visualization and turn
Change, obtain character string ORIGINAL_TRACK_DATA, from described
ORIGINAL_TRACK_DATA randomly draws out N position character composition condition code and shows
Show, by the position of the N position character in described character string ORIGINAL_TRACK_DATA
Non-condition code in information INDEX and described character string ORIGINAL_TRACK_DATA
Storage；
Described prompting transmitting element is specifically for when user needs payment, and prompting user inputs close
Code and condition code, by the condition code of user's input, the non-condition code of preservation and described INDEX
After being combined into ciphertext track data, this ciphertext track data and password are sent to internet banking system with
Internet banking system is made to complete payment according to this ciphertext magnetic track information and password.
Still further aspect, provides a kind of brushing card device, and described device includes: obtain storage unit
With prompting transmitting element；
Described acquisition storage unit is specifically for obtaining the magnetic track information of bank card, by described magnetic track
After being encrypted, obtain ciphertext track data, then ciphertext track data is carried out visualization and turn
Change, obtain character string ORIGINAL_TRACK_DATA, from described
ORIGINAL_TRACK_DATA randomly draws out N position character composition condition code and shows
Show, by the position of the N position character in described character string ORIGINAL_TRACK_DATA
Non-condition code in information INDEX and described character string ORIGINAL_TRACK_DATA
It is sent to internet banking system so that internet banking system stores described non-condition code and described positional information
INDEX；
Described prompting transmitting element is specifically for when user needs payment, and prompting user inputs close
Code and condition code, by the condition code of user's input with password is sent to internet banking system so that Net silver system
After system is combined into ciphertext track data according to condition code, the non-condition code of preservation and INDEX,
Complete payment according to this ciphertext track data and password.
In embodiments of the present invention, the technical scheme that the technical scheme that the present invention provides provides is obtaining
After taking the magnetic track information of bank card, magnetic track information is preserved, so, when user needs payment,
Just direct prompting user inputs password, and password and magnetic track information are sent to internet banking system, this
When internet banking system carry out withholing operation when, owing to i.e. there being magnetic track information to have again password, so this belongs to
Have close mode of operation, i.e. direct checking password from this magnetic track information corresponding account in there being magnetic
And carry out, after password authentification success, operation of withholing, because the mode that the present embodiment provides is not necessarily to
Carry out user again to swipe the card acquisition magnetic track information, so it has the advantage facilitating user to do shopping,
Having magnetic to have close mode of operation further, since internet banking system belongs to, now internet banking system is being carried out
Walk during operation is to have the card means of payment, now opens Net silver without user and can complete without card
Pay, and also can complete inter-bank payment.So it has user-friendly advantage.
Brief description
Fig. 1 is the flow process of the implementation method of the magnetic card payment of a kind of internet that the present invention provides
Figure；
Fig. 2 is the flow process of the implementation method of the magnetic card payment of a kind of internet that the present invention provides
Figure；
Fig. 3 is the structure chart of a kind of brushing card device that the present invention provides；
Fig. 4 is the structure chart of a kind of internet banking system that the present invention provides.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with
Drawings and Examples, are further elaborated to the present invention.It should be appreciated that this place is retouched
The specific embodiment stated only in order to explain the present invention, is not intended to limit the present invention.
The technical scheme of the embodiment of the present invention realizes based on following scene, existing network
Bank has as can not be inter-bank operated, it is impossible to realize lacking of consumption in the case of not opening Net silver again
Fall into, so needing now the technic relization scheme of a kind of brand-new means of payment.
The specific embodiment of the invention provides the implementation method that the magnetic card of a kind of internet pays, should
Method is as shown in Figure 1, comprising:
S11, brushing card device obtain the magnetic track information of bank card, preserve this magnetic track information；
S12, user need payment when, brushing card device prompting user input password, receive
To user input password after, the magnetic track information of password and preservation is sent to internet banking system so that
Internet banking system completes payment according to this magnetic track information and password.
Optionally, above-mentioned S12 brushing card device points out user all right before inputting the operation of password
Including:
Judge whether the amount of money of this time payment meets pre-conditioned, as pre-conditioned in met, prompting
User inputs password.
It should be noted that above-mentioned pre-conditioned can be: less than 1000, naturally it is also possible to by
Other the amount of money, such as 500 or 5000.
It should be noted that the magnetic track information of above-mentioned preservation can use the mode of encryption to preserve,
Concrete AES such as DES, AES, MD5 or RSA etc., pacify of course for improving
Private key can be saved in local device (for example in card swiping terminal) by Quan Xing, and internet banking system is protected
Depositing PKI, this PKI and private key are double secret key, and such cracker needs to crack the key ability of both sides
Magnetic track information can be taken, so it has the high advantage of security.
The specific embodiment of the invention also provides the implementation method that the magnetic card of a kind of internet pays,
The implementation of the method specifically may include that brushing card device obtains the magnetic track information of bank card,
After described magnetic track is encrypted, obtains ciphertext track data, then ciphertext track data is entered
Row visualization conversion, obtains character string ORIGINAL_TRACK_DATA, from described
ORIGINAL_TRACK_DATA randomly draws out N position character composition condition code and shows
Show, by the position of the N position character in described character string ORIGINAL_TRACK_DATA
Non-condition code in information INDEX and described character string ORIGINAL_TRACK_DATA
Storage；
When user needs payment, brushing card device prompting user inputs password and condition code, by spy
Levy after code, the non-condition code of preservation and INDEX be combined into ciphertext track data, by this ciphertext
Track data and password are sent to internet banking system so that internet banking system is according to this ciphertext magnetic track information
Complete payment with password.
The method that the embodiment of the present invention provides is owing to visualizing the track data after encryption
After process, extracting condition code, then storing non-condition code, now store is not just magnetic track
Data, specify according to finance, data now can arbitrarily store (because of complete magnetic track
Data are to be impermissible for storage), so it is capable of there is close brush without the magnetic that has under card state
Card consumption.
The embodiment of the present invention provides again the magnetic card method of payment of a kind of internet, the realization of the method
Mode specifically can also include:
Brushing card device obtains the magnetic track information of bank card, after being encrypted described magnetic track, obtains
A string ciphertext track data, then carries out visualization conversion ciphertext track data, obtains character
String ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
In randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code in character string ORIGINAL_TRACK_DATA be sent to internet banking system with
Internet banking system is made to store described non-condition code and described positional information INDEX；
When user needs payment, brushing card device prompting user inputs password and condition code, by spy
Levy code and password is sent to internet banking system so that internet banking system is according to the non-feature of condition code, preservation
After code and INDEX are combined into ciphertext track data, complete according to this ciphertext track data and password
Become payment.
It should be noted that above two method is all divided into condition code and non-feature magnetic track information
Code, owing to condition code is the condition code that user is manually entered, even if so non-feature of hack
Code can not obtain magnetic track information, so it has the advantage that secrecy effect is good to magnetic track information.
It should be noted that brushing card device is after user's input feature vector code, can also be to this spy
Levying code to verify, concrete verification method can use by condition code, non-condition code and feature
The position INDEX of code place former ciphertext track data ORIGINAL_TRACK_DATA pushes away
Lead new ciphertext track data NEW_TRACK_DATA, right
NEW_TRACK_DATA carries out sigh the operation of MD5 or SHA1 Kazakhstan and obtains new summary letter
Breath NEW_HASH_DATA, if NEW_HASH_DATA and HASH_DATA
(summary info of former ciphertext track data) is equal, then it is assumed that NEW_TRACK_DATA
Identical with ORIGINAL_TRACK_DATA, it is thus regarded that the condition code of user's input is
Legal, effective.
The method that the specific embodiment of the invention provides, will after the magnetic track information obtaining bank card
Magnetic track information preserves, and so, when user needs payment, just direct prompting user inputs password,
And password and magnetic track information are sent to internet banking system, now internet banking system carries out operation of withholing
When, owing to i.e. there being magnetic track information to have again password, there is magnetic to have close mode of operation so this belongs to,
From the corresponding account of this magnetic track information, i.e. directly verify password and after password authentification success
Carry out operation of withholing, because the mode that the present embodiment provides is swiped the card acquisition again without carrying out user
Magnetic track information, so it has the advantage facilitating user to do shopping, further, since internet banking system belongs to
In there being magnetic to have close mode of operation, what now internet banking system was walked when operating is to have card to pay
Mode, now without user open Net silver can complete without card pay, and also can complete across
Row pays.So it has user-friendly advantage.
The present invention also provides the implementation method that the magnetic card of a kind of internet pays, the method such as Fig. 2
Shown in, comprising:
S21, internet banking system receive brushing card device send its obtain bank card magnetic track information and
Magnetic track information identifies；
S22, internet banking system preserve this magnetic track information and magnetic track information mark；
S23, internet banking system receive the magnetic track information mark that brushing card device sends when needing to pay
And password, internet banking system extracts the corresponding magnetic track information of this magnetic track information mark, will be according to this magnetic
Road information and password complete to pay.
The method that the specific embodiment of the invention provides obtains the magnetic track of bank card at internet banking system
After information, magnetic track information is preserved, so, when user needs payment, directly by password and magnetic
Road message identification is sent to internet banking system, now internet banking system carry out withholing operation when, due to i.e.
There is magnetic track information to have again password, have magnetic to have close mode of operation so this belongs to, i.e. direct from this
The corresponding account of magnetic track information is verified password and carries out, after password authentification success, the behaviour that withholds
Make, because the mode that the present embodiment provides is swiped the card acquisition magnetic track information again without carrying out user,
So it has the advantage facilitating user to do shopping, further, since internet banking system belongs to, to have magnetic to have close
Mode of operation, what now internet banking system was walked when operating is to have the card means of payment, now
Open Net silver without user can complete to pay without card, and also can complete inter-bank payment.Institute
With it, there is user-friendly advantage.
The specific embodiment of the invention provides a kind of brushing card device, and this device is as it is shown on figure 3, wrap
Include:
Obtain storage unit 31, for obtaining the magnetic track information of bank card, preserve this magnetic track letter
Breath；
Prompting transmitting element 32, for when user needs payment, prompting user inputs password,
After the password receiving user's input, the magnetic track information of password and preservation is sent to Net silver system
System is so that internet banking system completes payment according to this magnetic track information and password.
The device that the specific embodiment of the invention provides, will after the magnetic track information obtaining bank card
Magnetic track information preserves, and so, when user needs payment, just direct prompting user inputs password,
And password and magnetic track information are sent to internet banking system, now internet banking system carries out operation of withholing
When, owing to i.e. there being magnetic track information to have again password, there is magnetic to have close mode of operation so this belongs to,
From the corresponding account of this magnetic track information, i.e. directly verify password and after password authentification success
Carry out operation of withholing, because the mode that the present embodiment provides is swiped the card acquisition again without carrying out user
Magnetic track information, so it has the advantage facilitating user to do shopping, further, since internet banking system belongs to
In there being magnetic to have close mode of operation, what now internet banking system was walked when operating is to have card to pay
Mode, now without user open Net silver can complete without card pay, and also can complete across
Row pays.So it has user-friendly advantage.
The present embodiment also provides a kind of brushing card device, and this brushing card device includes: obtain storage unit
Specifically for obtaining the magnetic track information of bank card, after described magnetic track is encrypted, obtain a string
Ciphertext track data, then carries out visualization conversion ciphertext track data, obtains character string
ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
Randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code storage in character string ORIGINAL_TRACK_DATA；
Prompting transmitting element is specifically for when user needs payment, and prompting user is defeated for brushing card device
Enter password and condition code, condition code, the non-condition code of preservation and INDEX are combined into ciphertext
After track data, this track data and password are sent to internet banking system so that internet banking system according to
This magnetic track information and password complete payment.
The embodiment of the present invention also provides a kind of brushing card device, and this device includes: obtain storage unit
Specifically for obtaining the magnetic track information of bank card, after described magnetic track is encrypted, obtain a string
Ciphertext track data, then carries out visualization conversion ciphertext track data, obtains character string
ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
Randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code in character string ORIGINAL_TRACK_DATA be sent to internet banking system with
Internet banking system is made to store described non-condition code and described positional information INDEX；
Prompting transmitting element is specifically for when user needs payment, and prompting user is defeated for brushing card device
Enter password and condition code, condition code and password are sent to internet banking system so that internet banking system according to
After condition code, the non-condition code of preservation and INDEX are combined into ciphertext track data, according to this
Track data and password complete payment.
The specific embodiment of the invention provides a kind of internet banking system, this internet banking system such as Fig. 4 institute
Show, comprising:
Receiving unit 41, its magnetic track obtaining bank card sending for receiving brushing card device is believed
Breath and magnetic track information mark；
Storage unit 42, is used for preserving this magnetic track information and magnetic track information mark；
Extract payment unit 43, for receiving the magnetic track that brushing card device sends when needing to pay
Message identification and password, internet banking system extracts the corresponding magnetic track information of this magnetic track information mark, will
Complete to pay according to this magnetic track information and password.
After the specific embodiment of the invention provides internet banking system to obtain the magnetic track information of bank card, will
Magnetic track information preserves, and so, when user needs payment, directly identifies password and magnetic track information
Be sent to internet banking system, now internet banking system carry out withholing operation when, owing to i.e. there being magnetic track information
There is again password, have magnetic to have close mode of operation so this belongs to, i.e. direct from this magnetic track information pair
The account answered is verified password and carries out, after password authentification success, operation of withholing, because this reality
The mode that executing example provides is swiped the card acquisition magnetic track information again without carrying out user, so its side of having
Just the advantage of user's shopping, has magnetic to have close mode of operation further, since internet banking system belongs to,
What now internet banking system was walked when operating is to have the card means of payment, now open-minded without user
Net silver can complete to pay without card, and also can complete inter-bank payment.So it has conveniently
The advantage of user operation.
It should be noted that in above-described embodiment, included unit is according to function
Logic divides, but is not limited to above-mentioned division, as long as being capable of corresponding work(
Can；In addition, the specific name of each functional unit is also only to facilitate mutually distinguish, and
It is not used in and limit the scope of the invention.
In addition, one of ordinary skill in the art will appreciate that and realize in the various embodiments described above method
All or part of step can be by program and completes to instruct related hardware, corresponding journey
Sequence can be stored in a computer read/write memory medium, described storage medium, as
ROM/RAM, disk or CD etc..
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention,
All any modification, equivalent and improvement etc. made within the spirit and principles in the present invention,
Should be included within the scope of the present invention.
Claims (4)
1. the implementation method that the magnetic card of an internet pays, it is characterised in that described method
Specifically include:
Brushing card device obtains the magnetic track information of bank card, after being encrypted described magnetic track, obtains
Ciphertext track data, then carries out visualization conversion ciphertext track data, obtains character string
ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
Randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code storage in character string ORIGINAL_TRACK_DATA；
When user needs payment, brushing card device prompting user inputs password and condition code, will use
The condition code of family input, the non-condition code of preservation and described INDEX are combined into ciphertext track number
According to rear, this ciphertext track data and password are sent to internet banking system so that internet banking system is according to this
Ciphertext magnetic track information and password complete payment.
2. the implementation method that the magnetic card of an internet pays, it is characterised in that described method
Specifically include:
Brushing card device obtains the magnetic track information of bank card, after described magnetic track information is encrypted,
Obtain ciphertext track data, then ciphertext track data is carried out visualization conversion, obtain character
String ORIGINAL_TRACK_DATA, from described ORIGINAL_TRACK_DATA
In randomly draw out N position character composition condition code and show, by described character string
Positional information INDEX of the N position character in ORIGINAL_TRACK_DATA and described
Non-condition code in character string ORIGINAL_TRACK_DATA be sent to internet banking system with
Internet banking system is made to store described non-condition code and described positional information INDEX；
When user needs payment, brushing card device prompting user inputs password and condition code, will use
Family input condition code and password is sent to internet banking system so that internet banking system is according to condition code, guarantor
After the non-condition code deposited and INDEX are combined into ciphertext track data, according to this track data and
Password completes payment.
3. a brushing card device, it is characterised in that described brushing card device includes: obtain and preserve
Unit and prompting transmitting element；
Described acquisition storage unit is specifically for obtaining the magnetic track information of bank card, by described magnetic track
After being encrypted, obtain ciphertext track data, then ciphertext track data is carried out visualization and turn
Change, obtain character string ORIGINAL_TRACK_DATA, from described
ORIGINAL_TRACK_DATA randomly draws out N position character composition condition code and shows
Show, by the position of the N position character in described character string ORIGINAL_TRACK_DATA
Non-condition code in information INDEX and described character string ORIGINAL_TRACK_DATA
Storage；
Described prompting transmitting element is specifically for when user needs payment, and prompting user inputs close
Code and condition code, by the condition code of user's input, the non-condition code of preservation and described INDEX
After being combined into ciphertext track data, this ciphertext track data and password are sent to internet banking system with
Internet banking system is made to complete payment according to this ciphertext magnetic track information and password.
4. a brushing card device, it is characterised in that described device includes: obtain storage unit
With prompting transmitting element；
Described acquisition storage unit is specifically for obtaining the magnetic track information of bank card, by described magnetic track
After being encrypted, obtain ciphertext track data, then ciphertext track data is carried out visualization and turn
Change, obtain character string ORIGINAL_TRACK_DATA, from described
ORIGINAL_TRACK_DATA randomly draws out N position character composition condition code and shows
Show, by the position of the N position character in described character string ORIGINAL_TRACK_DATA
Non-condition code in information INDEX and described character string ORIGINAL_TRACK_DATA
It is sent to internet banking system so that internet banking system stores described non-condition code and described positional information
INDEX；
Described prompting transmitting element is specifically for when user needs payment, and prompting user inputs close
Code and condition code, by the condition code of user's input with password is sent to internet banking system so that Net silver system
After system is combined into ciphertext track data according to condition code, the non-condition code of preservation and INDEX,
Complete payment according to this ciphertext track data and password.
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