CN103745347A - Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards - Google Patents
Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards Download PDFInfo
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- CN103745347A CN103745347A CN201310740641.6A CN201310740641A CN103745347A CN 103745347 A CN103745347 A CN 103745347A CN 201310740641 A CN201310740641 A CN 201310740641A CN 103745347 A CN103745347 A CN 103745347A
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
The invention discloses a mobile payment method between two mobile terminals on the basis of digital certificate SIM (Subscriber Identity Module) cards. Between two mobile terminals with the DC SIM cards, respective card ID (Identity) information is sent in a broadcasting manner by utilizing Bluetooth slave equipment of the CA-SIM (Certificate Authority-Subscriber Identity Module) cards (mobile phone subscriber identification cards with digital certificates subjected to personal identity authentication) of the two mobile terminals, then the card ID information transmitted by the CA-SIM cards is scanned by Bluetooth master equipment of the two mobile terminals, settlement is carried out with a payment system at a cloud terminal in an online manner, personal identity and account information of a consumer is authenticated by a server at the cloud terminal in an online manner and payment of transaction is completed. According to the invention, the handshake process of firstly establishing connection in the data transmission does not need to be completed, so that data is more simple, convenient and rapid to transmit; and mobile payment between the mobile terminals and a payment terminal POS (Point Of Sale) machine can be implemented by utilizing two mobile terminals, so that the aims of saving investment and bringing convenience to consumers are fulfilled.
Description
Technical field
The present invention relates to mobile payment application, particularly relate to the method for mobile payment between a kind of two mobile terminals based on digital certificate SIM card.
Background technology
Mobile payment, also referred to as mobile-phone payment, allows user to use its mobile terminal (normally mobile phone) consumed commodity or service to be carried out to a kind of method of service of account payment exactly.The mobile payment of broad sense refers to both parties for certain commodity or service and by mobile terminal device, exchanges the process of financial value.The mobile payment of narrow sense refers to based on wireless communication technology, the transferring accounts and paying of the money-capital of the non-voice mode realizing by mobile telephone terminal.
The rise of information age, particularly mobile Internet, smart mobile phone becomes the desirable terminal of mobile Internet, is subject to personal user's favor, and the application product (APPS) of network and mobile terminal of mobile telephone, as emerged rapidly in large numbersBamboo shoots after a spring rain, emerges in an endless stream.The internet electronic business of rising in recent years and mobile payment, along with the technical development of mobile terminal of mobile telephone, also obtained developing rapidly, not only show the raising of terminal technology, systematically service sector is more diversified, and hommization has been subject to consumers in general's welcome.Along with mobile payment is by consumer's approval, consumer does not also more and more meet the present situation of mobile payment, and outstanding performance is that the site of mobile payment is very limited, service content is also very single, satisfy the demands of consumers, problem in urgent need to solve, consumes the universal of site and consumption and payment terminal exactly, only has the single spark of the mobile payment of allowing, become novel mobile payment and burn source, such means of payment and payment environment, could bring real convenience to consumer.But, solve the universal of mobile payment, often need the investment of great number, if lay payment terminal everywhere, this will be huge investment undoubtedly.
Summary of the invention
The object of the invention is to overcome the deficiency of prior art, method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card is provided, based between two mobile terminals with digital certificate SIM card, by the mode of broadcast, transmit ID and information on services separately, do not needed the handshake procedure first connecting in data transmission, make the transmission simple and fast more of data, utilize two mobile terminal of mobile telephone, just can realize the mobile payment between mobile terminal of mobile telephone and payment terminal POS machine, thereby reach, reduce investment outlay, facilitate consumer's object.
The technical solution adopted for the present invention to solve the technical problems is: the method for mobile payment between a kind of two mobile terminals based on digital certificate SIM card, be at the first mobile terminal that presets client's Mode A PP application software, preset the second mobile terminal of the Mode A PP of businessman application software and preset between the high in the clouds service platform of transaction processing software of authentication process software, consumption/service and realize, and the first mobile terminal, the second mobile terminal are equipped with respectively digital certificate SIM card, and it comprises the steps:
The first mobile terminal starts client's Mode A PP application software, the first mobile terminal sends instruction to a MCU of the first digital certificate SIM card in the first mobile terminal, the one MCU is by the first embedded bluetooth module of the first digital certificate SIM card, with broadcast mode, send the first packet, the ID that this first packet contains the first digital certificate SIM card and first service request flag; The second mobile terminal starts the Mode A PP of businessman application software, the second mobile terminal is to the 2nd MCU output order of the second digital certificate SIM card in the second mobile terminal, the 2nd MCU is by the second embedded bluetooth module of the second digital certificate SIM card, with broadcast mode, send the second packet, the ID that this second packet contains the second digital certificate SIM card and second service request flag;
The first bluetooth device scans of the first mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain second service request flag, if have, the content of this packet be kept in service queue and be presented on the display screen of the first mobile terminal; The second bluetooth device scans of the second mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain first service request flag, if have, this packet be kept in service queue and be presented on the display screen of the second mobile terminal;
The first mobile terminal, the second mobile terminal are accepted respectively the confirmation of the content of packet corresponding in service queue separately, the first mobile terminal, the second mobile terminal send to high in the clouds service platform by the first digital certificate SIM card, the stored digital authenticating information of the second digital certificate SIM card respectively, by high in the clouds service platform, start authentication process software, respectively the digital certificate of the first digital certificate SIM card, the second digital certificate SIM card is authenticated;
After digital certificate authentication completes, the transaction processing software that high in the clouds service platform is expanded consumption/served, the second mobile terminal passes through high in the clouds service platform to the first mobile terminal payment request, high in the clouds service platform is to the first mobile terminal Sending Payments operation interface, and the first mobile terminal provides corresponding bank account information and completes corresponding operation to high in the clouds service platform.
Method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention, to realize mobile payment between two mobile terminals with digital certificate SIM card, the first mobile terminal wherein belongs to consumer's mobile phone terminal, the second mobile terminal belongs to the mobile phone terminal of businessman, in the mobile phone terminal of consumer and businessman, the cellphone subscriber's identification card (being called for short CA-SIM card) that all includes the digital certificate of personal identification is digital certificate SIM card, as the processing platform of the information safety device of personal identification and payment account, in this CA-SIM card, also has Embedded bluetooth module, can complete bluetooth from functions of the equipments, utilize the APP application software of cell phone intelligent terminal, realize online authentication and transaction with high in the clouds service platform.
Outlet or pay on-the-spot attendant, holding i.e. the second mobile terminal of regular handset intelligent terminal, is in the second mobile terminal at this mobile phone terminal, the operation Mode A PP of businessman application software, it is transformed into POS machine common mobile phone terminal, completes the on-site payment function into consumer.
Consumer's mobile phone terminal i.e. i.e. second mobile terminal of POS of the first mobile terminal and businessman's payment terminal, moves respectively the APP software of consumption service and gathering, the employing Bluetooth protocol of communicating by letter between mobile phone terminal and CA-SIM card.
Consumer's mobile phone terminal the first mobile terminal and businessman's payment terminal POS the bluetooth of the CA-SIM card in the second mobile terminal from i.e. the first bluetooth module of equipment, the second bluetooth module, all with broadcast mode, send the id information of card separately, consumer's mobile phone terminal is i.e. second mobile terminal of POS of the first mobile terminal and businessman's payment terminal, by i.e. first blue-tooth device of bluetooth master of mobile phone terminal, the second blue-tooth device, the card id information that scanning is launched by CA-SIM, and by online mode, payment system with high in the clouds, settle accounts, consumer's personal identification and accounts information are that high in the clouds service platform authenticates and the payment that completes transaction by the server in online mode and high in the clouds.
Method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention, go for any transaction that businessman and consumer need on-site payment of using, such as, the granting of securities, electronic bill, transaction, exchange, even transfer the possession of, mobile payment etc. can be used such method to realize, in whole operating process, only need businessman and consumer to hold mobile phone terminal and just can realize transaction, and completely no longer need the extra reader device mode of swiping the card to complete.
Compared with prior art, the invention has the beneficial effects as follows:
The present invention utilizes the widely used mobile phone terminal of people, coordinate the CA-SIM card that comprises personal identification information, by the mode of broadcast, transmit ID and information on services separately, the handshake procedure that has not needed data first to connect in transmitting, makes the transmission simple and fast more of data, utilize mobile phone terminal, just can realize the function of payment terminal POS machine, thereby reach, reduce investment outlay, facilitate consumer's object.The present invention be a kind of simple and effective and be easy to realize method, there is good popularizing application prospect.
Below in conjunction with drawings and Examples, the present invention is described in further detail; But the method for mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention is not limited to embodiment.
Accompanying drawing explanation
Fig. 1 is the formation schematic diagram of CA-SIM card of the present invention;
Fig. 2 is the formation schematic diagram of mobile terminal of the present invention;
Fig. 3 is that mobile terminal of the present invention sends and scan the schematic diagram that receives broadcast data packet;
Fig. 4 is the schematic diagram that mobile terminal of the present invention receives multiple broadcast data packet;
Fig. 5 is the schematic diagram that mobile terminal of the present invention is selected broadcast data packet.
Embodiment
Embodiment
Method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention, be at the first mobile terminal that presets client's Mode A PP application software, preset the second mobile terminal of the Mode A PP of businessman application software and preset between the high in the clouds service platform of transaction processing software of authentication process software, consumption/service and realize, and the first mobile terminal, the second mobile terminal are equipped with respectively digital certificate SIM card, and it comprises the steps:
The first mobile terminal starts client's Mode A PP application software, the first mobile terminal sends instruction to a MCU of the first digital certificate SIM card in the first mobile terminal, the one MCU is by the first embedded bluetooth module of the first digital certificate SIM card, with broadcast mode, send the first packet, the ID that this first packet contains the first digital certificate SIM card and first service request flag; The second mobile terminal starts the Mode A PP of businessman application software, the second mobile terminal is to the 2nd MCU output order of the second digital certificate SIM card in the second mobile terminal, the 2nd MCU is by the second embedded bluetooth module of the second digital certificate SIM card, with broadcast mode, send the second packet, the ID that this second packet contains the second digital certificate SIM card and second service request flag;
The first bluetooth device scans of the first mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain second service request flag, if have, the content of this packet be kept in service queue and be presented on the display screen of the first mobile terminal; The second bluetooth device scans of the second mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain first service request flag, if have, this packet be kept in service queue and be presented on the display screen of the second mobile terminal;
The first mobile terminal, the second mobile terminal are accepted respectively the confirmation of the content of packet corresponding in service queue separately, the first mobile terminal, the second mobile terminal send to high in the clouds service platform by the first digital certificate SIM card, the stored digital authenticating information of the second digital certificate SIM card respectively, by high in the clouds service platform, start authentication process software, respectively the digital certificate of the first digital certificate SIM card, the second digital certificate SIM card is authenticated;
After digital certificate authentication completes, the transaction processing software that high in the clouds service platform is expanded consumption/served, the second mobile terminal passes through high in the clouds service platform to the first mobile terminal payment request, high in the clouds service platform is to the first mobile terminal Sending Payments operation interface, and the first mobile terminal provides corresponding bank account information and completes corresponding operation to high in the clouds service platform.
Method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention, to realize mobile payment between two mobile terminals with digital certificate SIM card, the first mobile terminal wherein belongs to consumer's mobile phone terminal, the second mobile terminal belongs to the mobile phone terminal of businessman, in the mobile phone terminal of consumer and businessman, the cellphone subscriber's identification card (being called for short CA-SIM card) that all includes the digital certificate of personal identification is digital certificate SIM card, as the processing platform of the information safety device of personal identification and payment account, in this CA-SIM card, also has Embedded bluetooth module, can complete bluetooth from functions of the equipments, the card ID of self can be launched, this CA-SIM card as shown in Figure 1.
Outlet or pay on-the-spot attendant, holding i.e. the second mobile terminal of regular handset intelligent terminal, is in the second mobile terminal at this mobile phone terminal, the operation Mode A PP of businessman application software, it is transformed into POS machine common mobile phone terminal, completes the on-site payment function into consumer.
Consumer's mobile phone terminal i.e. i.e. second mobile terminal of POS of the first mobile terminal and businessman's payment terminal, moves respectively the APP software of consumption service and gathering, the employing Bluetooth protocol of communicating by letter between mobile phone terminal and CA-SIM card.
The present invention utilizes the APP application software of cell phone intelligent terminal, realizes online authentication and transaction with high in the clouds service platform.As shown in Figure 2, the first mobile terminal and the second mobile terminal are all equipped with AP services P, wherein, at the first mobile terminal, preset client's Mode A PP application software, referred to as Shopper APP, at the second mobile terminal, preset the Mode A PP of businessman application software, referred to as Seller POS APP.
At the first running of mobile terminal Shopper APP, after the second running of mobile terminal Seller POS APP, consumer's mobile phone terminal the first mobile terminal and businessman's payment terminal POS the bluetooth of the CA-SIM card in the second mobile terminal from i.e. the first bluetooth module of equipment, the second bluetooth module, all with broadcast mode, ceaselessly to the external world, send separately the id information of card separately, consumer's mobile phone terminal is i.e. second mobile terminal of POS of the first mobile terminal and businessman's payment terminal, by i.e. first blue-tooth device of the first mobile terminal of bluetooth master of mobile phone terminal, the second blue-tooth device of the second mobile terminal, the card id information that scanning is launched by CA-SIM, , ceaselessly scan the bluetooth equipment of periphery, as shown in Figure 3.
CA-SIM card in businessman and consumer's mobile phone terminal, No. ID of their card, is all unique.The bluetooth of the one CA-SIM card, the 2nd CA-SIM card is from i.e. the first bluetooth module, the second bluetooth module of equipment, their No. ID, Seller POS APP or Shopper APP services request sign, form a broadcast data packet, by the bluetooth that is embedded in CA-SIM from equipment, launch, the form of broadcast data packet is as shown in the table:
| ID?xxxxxxxx | Service mark |
Bluetooth master in businessman and consumer's mobile phone terminal i.e. the first blue-tooth device, the second blue-tooth device, when scanning the bluetooth equipment of periphery, first distinguish it and have or not Seller POS APP or Shopper APP services request sign, if have Seller POS APP or Shopper APP services request sign, first the record of this services request is kept in, be placed in the queue of service and preserve, as shown in Figure 4.
Owing to adopting the mode of id information broadcast, businessman and consumer according to mobile phone terminal on the first mobile terminal, the second mobile terminal, can receive the ID information on services of many, user is by manual mode, selection judges whether to carry out next step payment transaction, if needed, APP software separately, in online mode, see through the server in high in the clouds, complete after authentication, then according to the service price of businessman and consumer's financial account information, by the server in high in the clouds, be the transaction that high in the clouds service platform completes service; As shown in Figure 5.
By a concrete application examples, the method for mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention is described below.
A traditional grocery store, the merchandise news of this traditional grocery store, as trade name, price etc. is all stored in the server in high in the clouds, and is that high in the clouds service platform provides transaction processing by the server in high in the clouds.Storekeeper's first, hold i.e. second mobile terminal of mobile phone terminal of the CA-SIM card of the digital authenticating certificate that is inserted with storekeeper's identity, in his cell phone system, move the application software of Seller POS APP, as said before us, the CA-SIM in storekeeper's first mobile phone terminal ceaselessly sends hotel owner's ID and service beacon information by the mode of broadcast to the external world.
Consumer's second of certain shopping, he holds i.e. first mobile terminal of mobile phone terminal of the CA-SIM card of the digital authenticating certificate that is inserted with personal identification, in his cell phone system, move the application software of Shopper APP, as said before us, consumer's second, the CA-SIM in mobile phone terminal ceaselessly sends ID and the service sign solicited message of consumer's second by the mode of broadcast to the external world.
When consumer's second is come into this traditional grocery store, the mobile phone terminal of the storekeeper of traditional grocery store first is ID and the services request beacon information that the second mobile terminal receives consumer's second, will on the second mobile terminal screen, show at its mobile phone, it reminds storekeeper on the one hand, there is client to patronize head store, on the other hand, be also that next step consumption of client is ready.
Equally, the mobile phone terminal of consumer's second i.e. the first mobile terminal, also can receive ID and the services request beacon information of the storekeeper of traditional grocery store first, information can be show on the first mobile terminal screen at its mobile phone equally, and it also reminds consumer to enter the region that the consumption service of providing is provided.
Once consumer's second is selected oneself satisfied commodity, in the time of need to footing the bill to storekeeper's payment, storekeeper's first and consumer's second can be come together, hold Face to face mobile phone, in the service ID information of screen display, mutually confirm identity, then separately by online mode, to the server in high in the clouds, submit the digital authenticating certificate of oneself to, check the identity information of oneself, when receiving storekeeper's payment request, to the server in high in the clouds, provide the bank account information of oneself, storekeeper's cash collecting system, by online mode, to consumer, complete the transaction of payment.
Method of mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention, go for any transaction that businessman and consumer need on-site payment of using, such as, the granting of securities, electronic bill, transaction, exchange, even transfer the possession of, mobile payment etc. can be used such method to realize, in whole operating process, only need businessman and consumer to hold mobile phone terminal and just can realize transaction, and completely no longer need the extra reader device mode of swiping the card to complete.
Above-described embodiment is only used for further illustrating the method for mobile payment between a kind of two mobile terminals based on digital certificate SIM card of the present invention; but the present invention is not limited to embodiment; any simple modification, equivalent variations and modification that every foundation technical spirit of the present invention is done above embodiment, all fall in the protection domain of technical solution of the present invention.
Claims (1)
1. the method for mobile payment between two mobile terminals based on digital certificate SIM card, it is characterized in that: be at the first mobile terminal that presets client's Mode A PP application software, preset the second mobile terminal of the Mode A PP of businessman application software and preset between the high in the clouds service platform of transaction processing software of authentication process software, consumption/service and realize, and the first mobile terminal, the second mobile terminal are equipped with respectively digital certificate SIM card, and it comprises the steps:
The first mobile terminal starts client's Mode A PP application software, the first mobile terminal sends instruction to a MCU of the first digital certificate SIM card in the first mobile terminal, the one MCU is by the first embedded bluetooth module of the first digital certificate SIM card, with broadcast mode, send the first packet, the ID that this first packet contains the first digital certificate SIM card and first service request flag; The second mobile terminal starts the Mode A PP of businessman application software, the second mobile terminal is to the 2nd MCU output order of the second digital certificate SIM card in the second mobile terminal, the 2nd MCU is by the second embedded bluetooth module of the second digital certificate SIM card, with broadcast mode, send the second packet, the ID that this second packet contains the second digital certificate SIM card and second service request flag;
The first bluetooth device scans of the first mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain second service request flag, if have, the content of this packet be kept in service queue and be presented on the display screen of the first mobile terminal; The second bluetooth device scans of the second mobile terminal receives the broadcast data packet that comes from periphery bluetooth equipment, and judge in the packet receiving whether contain first service request flag, if have, this packet be kept in service queue and be presented on the display screen of the second mobile terminal;
The first mobile terminal, the second mobile terminal are accepted respectively the confirmation of the content of packet corresponding in service queue separately, the first mobile terminal, the second mobile terminal send to high in the clouds service platform by the first digital certificate SIM card, the stored digital authenticating information of the second digital certificate SIM card respectively, by high in the clouds service platform, start authentication process software, respectively the digital certificate of the first digital certificate SIM card, the second digital certificate SIM card is authenticated;
After digital certificate authentication completes, the transaction processing software that high in the clouds service platform is expanded consumption/served, the second mobile terminal passes through high in the clouds service platform to the first mobile terminal payment request, high in the clouds service platform is to the first mobile terminal Sending Payments operation interface, and the first mobile terminal provides corresponding bank account information and completes corresponding operation to high in the clouds service platform.
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