CN104021470A - Wireless communication-based mobile payment system and mobile payment method - Google Patents

Wireless communication-based mobile payment system and mobile payment method Download PDF

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Publication number
CN104021470A
CN104021470A CN201410231545.3A CN201410231545A CN104021470A CN 104021470 A CN104021470 A CN 104021470A CN 201410231545 A CN201410231545 A CN 201410231545A CN 104021470 A CN104021470 A CN 104021470A
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module
wireless
intelligent
information
safe
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CN201410231545.3A
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CN104021470B (en
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赵英伟
梁宇
刘文其
张红学
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Hengbao Co Ltd
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Hengbao Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The invention relates to a wireless communication-based mobile payment system and a mobile payment method. The system comprises a wireless module, a control module, a safe intelligent module, a power module, a NFC (Near Field Communication) antenna and an intelligent terminal, wherein the wireless module and the intelligent terminal are connected in a wireless mode; the wireless module and the control module are connected; the control module and the safe intelligent module are connected; the safe intelligent module and the NFC antenna are connected; and the power module provides power for the wireless module, the control module and the safe intelligent module. A far-distance wireless connection, a middle-distance connection and a near-distance connection are respectively built and formed between a remote operator background system and the intelligent terminal, between the intelligent terminal and the mobile payment system, and between the mobile payment system and an NFC consumption terminal, a channel from a point (personal mobile payment consumption) to a system (operator background system) is opened, and the wireless mobile payment function is realized; and credit-card consumption can be realized in the condition where no external power supply exists or an internal battery is out of power, and practicality is facilitated.

Description

A kind of mobile-payment system and method for mobile payment based on wireless telecommunications
Technical field
The present invention relates to wireless communication technique field, particularly a kind of mobile-payment system and method for mobile payment based on wireless telecommunications.
Background technology
NFC (Near field communication) is near-field communication, and mainly adopting centre frequency is 13.56MHz carrier wave, and data communication meets ISO14443 agreement, can between 2 same products that use these technology, carry out Point-to-Point Data mutual.Mobile payment adopts just this technology and in the application progressively growing up in recent years, mainly uses in mobile phone small payment field, as public transport, consumption etc.Mainly realizing with SIM card band NFC antenna form of operator's mobile payment function, while swiping the card application, be subject to mobile phone structure, card periphery metal, affect with the relative position of battery etc., its effect of swiping the card can be lowered, even brush less than card, compatibility is restricted, for its application brings inconvenience.The cassette NFC mobile payment such as mass transit card application, easily loses, fracture, need to arrive appointed place to handle while supplementing with money, can not supplement with money anywhere or anytime, the handling of the business such as inquiry, and to client, brings many inconvenience.
Summary of the invention
Technical matters to be solved by this invention be to provide a kind of can complete independently NFC mobile payment function, can connect and then by intelligent terminal, be connected to the mobile-payment system based on wireless telecommunications and the method for mobile payment of operator's background system by wireless communication mode and intelligent terminal again.
The technical scheme that the present invention solves the problems of the technologies described above is as follows: a kind of mobile-payment system based on wireless telecommunications, comprises wireless module, control module, safe and intelligent module, power module, NFC antenna and intelligent terminal;
Intelligent terminal is connected with wireless mode with wireless module, and intelligent terminal receives the ciphered data information that outside background system sends with wireless mode, and intelligent terminal sends to outside background system by restructuring response message by wireless mode;
Described wireless module is connected with control module, described wireless module sends the intelligent terminal receiving ciphered data information with wireless mode, and ciphered data information is passed to control module, wireless module sends to intelligent terminal by restructuring response message with wireless mode;
Described control module is connected with safe and intelligent module, control module is carried out after data recombination ciphered data information, obtain recombination data information, recombination data information is sent to safe and intelligent module, safe and intelligent module is decrypted restructuring data message, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information and encrypted response information is sent to control module, control module carries out obtaining the response message of recombinating after data recombination to encrypted response information, restructuring response message is sent to wireless module,
Described safe and intelligent module is connected with NFC antenna, and NFC antenna and outside POS machine utilize REID to carry out exchanges data, and completes the read-write of outside POS machine to the information in safe and intelligent module according to the decryption information that is stored in safe and intelligent module;
Described power module is wireless module, control module and safe and intelligent module for power supply.
The invention has the beneficial effects as follows: 1, the present invention is simultaneously at far-end operator background system and intelligent terminal, intelligent terminal and mobile-payment system, between mobile-payment system and NFC consumption terminal, set up and formed one far away, in, the wireless connections of nearly three kinds of distances, got through the passage from point (individual mobile payment consumption) to system (operator's background system);
2, the present invention has realized wireless mobile payment function.And can without external power source, supply with or internal cell does not have electric in the situation that and realizes bankcard consumption, improved practicality;
3, the present invention combines the application program of wireless telecommunications and intelligent terminal, can supplement with money mobile-payment system, inquires about, the function such as historical inventory, and need not carry out in conjunction with far-end carrier network, has greatly improved the convenience that user uses;
4, the present invention adopts Data Encryption Transmission mode to carry out data transmission, has guaranteed security;
5, the present invention is an isolated system, can disobey the other-end complete independently mobile payment functions such as armrest machine.
On the basis of technique scheme, the present invention can also do following improvement.
Further, described wireless module is connected with the mode of control module by bus communication.
Further, the mode of described bus communication comprises usb bus, UART bus, spi bus and I2C bus.
Further, described control module is connected with safe and intelligent module with standard ISO 7816 interfaces.
Further, described safe and intelligent module is connected with NFC antenna according to ISO1443 agreement by NFC interface.
Further, described wireless module is WPAN, Bluetooth, Zigbee or UMB.
Further, described wireless module and control module or for thering is the SOC (system on a chip) of radio communication function.
Further, a kind of method of utilizing mobile-payment system to carry out mobile payment, comprises the following steps:
Step 1: intelligent terminal receives the ciphered data information that outside background system sends with wireless mode, wireless module receives the ciphered data information that intelligent terminal sends with wireless mode, and ciphered data information is passed to control module;
Step 2: control module carries out, after data recombination, obtaining recombination data information to ciphered data information, and recombination data information is sent to safe and intelligent module;
Step 3: safe and intelligent module is decrypted restructuring data message, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information, and encrypted response information is sent to control module;
Step 4: control module carries out obtaining the response message of recombinating after data recombination to encrypted response information, and restructuring response message is sent to wireless module;
Step 5: wireless module sends to intelligent terminal by restructuring response message with wireless mode, intelligent terminal sends to outside background system by restructuring response message by wireless mode;
Step 6:NFC antenna and outside POS machine utilize REID to carry out exchanges data, and complete the read-write of outside POS machine to the information in safe and intelligent module according to the decryption information that is stored in safe and intelligent module.
Further, described wireless module is WPAN, Bluetooth, Zigbee or UMB.
Further, described wireless module and control module or for thering is the SOC (system on a chip) of radio communication function.
Accompanying drawing explanation
Fig. 1 is the embodiment of the present invention 1 structure drawing of device;
Fig. 2 is apparatus of the present invention and outside POS machine, intelligent terminal and background system wireless connections schematic diagram;
Fig. 3 is the embodiment of the present invention 2 structure drawing of device;
Fig. 4 is the inventive method flow chart of steps.
In accompanying drawing, the list of parts of each label representative is as follows:
1, wireless module, 2, control module, 3, safe and intelligent module, 4, power module, 5, NFC antenna, 6, SOC (system on a chip), 7, intelligent terminal.
Embodiment
Below in conjunction with accompanying drawing, principle of the present invention and feature are described, example, only for explaining the present invention, is not intended to limit scope of the present invention.
As shown in Figure 1, be apparatus of the present invention structural drawing; Fig. 2 is apparatus of the present invention and outside POS machine, intelligent terminal and background system wireless connections schematic diagram; Fig. 3 is the embodiment of the present invention 2 structure drawing of device; Fig. 4 is the inventive method flow chart of steps.
Embodiment 1
A mobile-payment system based on wireless telecommunications, comprises wireless module 1, control module 2, safe and intelligent module 3, power module 4, NFC antenna 5 and intelligent terminal 7;
Intelligent terminal 7 is connected with wireless mode with wireless module 1, and intelligent terminal 7 receives the ciphered data information that outside background system sends with wireless mode, and intelligent terminal 7 sends to outside background system by restructuring response message by wireless mode;
Described wireless module 1 is connected with control module 2, described wireless module 1 sends the intelligent terminal 7 receiving ciphered data information with wireless mode, and ciphered data information is passed to control module 2, wireless module 1 sends to intelligent terminal 7 by restructuring response message with wireless mode; ;
Described control module 2 is connected with safe and intelligent module 3, 2 pairs of ciphered data informations of control module carry out after data recombination, obtain recombination data information, recombination data information is sent to safe and intelligent module 3, 3 pairs of restructuring data messages of safe and intelligent module are decrypted, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information and encrypted response information is sent to control module 2, 2 pairs of encrypted response information of control module carry out obtaining the response message of recombinating after data recombination, restructuring response message is sent to wireless module 1,
Described safe and intelligent module 3 is connected with NFC antenna 5, and NFC antenna 5 utilizes REID to carry out exchanges data with outside POS machine, and completes the read-write of outside POS machine to the information in safe and intelligent module 3 according to the decryption information that is stored in safe and intelligent module 3;
Described power module 4 is wireless module 1, control module 2 and 3 power supplies of safe and intelligent module.
Described wireless module 1 is connected with the mode of control module 2 by bus communication.
The mode of described bus communication comprises usb bus, UART bus, spi bus and I2C bus.
Described control module 2 is connected with safe and intelligent module 3 with standard ISO 7816 interfaces.
Described safe and intelligent module 3 is connected with NFC antenna 5 according to ISO1443 agreement by NFC interface.
Described wireless module is WPAN, Bluetooth, Zigbee or UMB.
Utilize mobile-payment system as claimed in claim 1 to carry out a method for mobile payment, comprise the following steps:
Step 1: intelligent terminal 7 receives the ciphered data information that outside background system sends with wireless mode, wireless module 1 receives the ciphered data information that intelligent terminal 7 sends with wireless mode, and ciphered data information is passed to control module 2;
Step 2: 2 pairs of ciphered data informations of control module carry out, after data recombination, obtaining recombination data information, and recombination data information is sent to safe and intelligent module 3;
Step 3: 3 pairs of restructuring data messages of safe and intelligent module are decrypted, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information, and encrypted response information is sent to control module 2;
Step 4: 2 pairs of encrypted response information of control module carry out obtaining the response message of recombinating after data recombination, and restructuring response message is sent to wireless module 1;
Step 5: wireless module 1 sends to intelligent terminal 7 by restructuring response message with wireless mode, intelligent terminal 7 sends to outside background system by restructuring response message by wireless mode;
Step 6:NFC antenna 5 utilizes REID to carry out exchanges data with outside POS machine, and completes the read-write of outside POS machine to the information in safe and intelligent module 3 according to the decryption information that is stored in safe and intelligent module 3.
Described wireless module is WPAN, Bluetooth, Zigbee or UMB.
In Fig. 2, the background system of intelligent terminal and far-end operator is by carrier network or wireless network, as WI-FI etc. sets up telecommunication, connects, and intelligent terminal and mobile-payment system connect by wireless.This connects after foundation, makes background system, intelligent terminal and the mobile-payment system of operator form a complete network.In this network, can carry out empty circle, inquiry, consumption history and record the functions such as list.When only having smart mobile phone and operator's background system to connect, can apply the operations such as down loading updating; When only having smart mobile phone and mobile-payment system to connect, can inquire about, the operation such as inventory list.And simultaneously, mobile-payment system can carry out the mobile payment functions such as small amount consumption, without the participation of smart mobile phone and operator's background system, complete independently.
In the present embodiment, system is comprised of wireless module, control module, safe and intelligent module, power module and NFC antenna.Wireless module is connected with other terminal devices with radio function in the mode of wireless telecommunications, as smart mobile phone etc.Control module, with digital communication interface, as USB, UART, SPI or I2C etc. connect with wireless module, realizes data interaction.Safe and intelligent module is connected with control module with standard ISO 7816 interfaces, and carries out communication according to ISO7816 agreement, carries out the encryption and decryption of data, data processing etc.Safe and intelligent module, with NFC interface, is connected with NFC antenna, realizes the application consumption such as small amount payment according to ISO1443 protocol requirement.
The data of wireless module end send to control module by cipher mode, and control module carries out sending to safety intelligent card end after data processing.Smart card carries out data encrypting and deciphering, and after the functions such as data processing, the further processing through control module, turns back to wireless module by result, in the mode of wireless wireless transmission, sends to the terminals such as smart machine.
Embodiment 2
The difference of the present embodiment and embodiment 1 is, in the present embodiment, wireless module is the structure with SOC (system on a chip) 6, i.e. SOC.In SOC, in integrated home control network communication protocol and embodiment 1, the repertoire of control module, system architecture is simplified greatly, but function is identical.Between safe and intelligent module and wireless module, in digital interface mode, be connected, such as USB, UART, SPI or I2C etc., or connect and communication with ISO7816 protocol requirement.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.

Claims (10)

1. the mobile-payment system based on wireless telecommunications, is characterized in that: comprise wireless module (1), control module (2), safe and intelligent module (3), power module (4), NFC antenna (5) and intelligent terminal (7);
Intelligent terminal (7) is connected with wireless mode with wireless module (1), intelligent terminal (7) receives the ciphered data information that outside background system sends with wireless mode, and intelligent terminal (7) sends to outside background system by restructuring response message by wireless mode;
Described wireless module (1) is connected with control module (2), described wireless module (1) sends the intelligent terminal (7) receiving ciphered data information with wireless mode, and ciphered data information is passed to control module (2), wireless module (1) sends to intelligent terminal (7) by restructuring response message with wireless mode;
Described control module (2) is connected with safe and intelligent module (3), control module (2) is carried out after data recombination ciphered data information, obtain recombination data information, recombination data information is sent to safe and intelligent module (3), safe and intelligent module (3) is decrypted restructuring data message, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information and encrypted response information is sent to control module (2), control module (2) carries out obtaining the response message of recombinating after data recombination to encrypted response information, restructuring response message is sent to wireless module (1),
Described safe and intelligent module (3) is connected with NFC antenna (5), NFC antenna (5) utilizes REID to carry out exchanges data with outside POS machine, and completes the read-write of outside POS machine to the information in safe and intelligent module (3) according to the decryption information that is stored in safe and intelligent module (3);
Described power module (4) is wireless module (1), control module (2) and safe and intelligent module (3) power supply.
2. mobile-payment system according to claim 1, is characterized in that: described wireless module (1) is connected with the mode of control module (2) by bus communication.
3. mobile-payment system according to claim 2, is characterized in that: the mode of described bus communication comprises usb bus, UART bus, spi bus and I2C bus.
4. mobile-payment system according to claim 1, is characterized in that: described control module (2) is connected with safe and intelligent module (3) with standard ISO 7816 interfaces.
5. mobile-payment system according to claim 1, is characterized in that: described safe and intelligent module (3) is connected with NFC antenna (5) according to ISO1443 agreement by NFC interface.
6. mobile-payment system according to claim 1, is characterized in that: described wireless module is WPAN, Bluetooth, Zigbee or UMB.
7. mobile-payment system according to claim 1, is characterized in that: described wireless module (1) and control module (2) or for having the SOC (system on a chip) (6) of radio communication function.
8. the method that the mobile-payment system of utilization as described in as arbitrary in claim 1 to 7 carries out mobile payment, is characterized in that, comprises the following steps:
Step 1: intelligent terminal (7) receives the ciphered data information that outside background system sends with wireless mode, wireless module (1) receives the ciphered data information that intelligent terminal (7) sends with wireless mode, and ciphered data information is passed to control module (2);
Step 2: control module (2) carries out, after data recombination, obtaining recombination data information to ciphered data information, and recombination data information is sent to safe and intelligent module (3);
Step 3: safe and intelligent module (3) is decrypted restructuring data message, obtain decryption information, decryption information is stored and generated response message according to decryption information, after response message is encrypted, obtain encrypted response information, and encrypted response information is sent to control module (2);
Step 4: control module (2) carries out obtaining the response message of recombinating after data recombination to encrypted response information, sends to wireless module (1) by restructuring response message;
Step 5: wireless module (1) sends to intelligent terminal (7) by restructuring response message with wireless mode, intelligent terminal (7) sends to outside background system by restructuring response message by wireless mode;
Step 6:NFC antenna (5) utilizes REID to carry out exchanges data with outside POS machine, and completes the read-write of outside POS machine to the information in safe and intelligent module (3) according to the decryption information that is stored in safe and intelligent module (3).
9. method of mobile payment according to claim 7, is characterized in that: described wireless module is WPAN, Bluetooth, Zigbee or UMB.
10. method of mobile payment according to claim 7, is characterized in that: described wireless module (1) and control module (2) or for having the SOC (system on a chip) (6) of radio communication function.
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CN105809426A (en) * 2014-12-31 2016-07-27 北京数码视讯科技股份有限公司 Mobile payment processing method and device
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CN107004189A (en) * 2014-09-22 2017-08-01 万事达卡国际股份有限公司 Payment system and the method used for managing payment card
CN109104712A (en) * 2018-07-17 2018-12-28 葫芦岛智多多科技有限责任公司 A kind of wireless charging encryption system and its encryption method based on NFC function

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CN104240078A (en) * 2014-09-13 2014-12-24 谭希妤 Double-NFC shopping mobile phone based on NFC payment
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