CN104166918A - Safety payment method based on audio key - Google Patents
Safety payment method based on audio key Download PDFInfo
- Publication number
- CN104166918A CN104166918A CN201410410913.0A CN201410410913A CN104166918A CN 104166918 A CN104166918 A CN 104166918A CN 201410410913 A CN201410410913 A CN 201410410913A CN 104166918 A CN104166918 A CN 104166918A
- Authority
- CN
- China
- Prior art keywords
- transaction
- trade center
- user
- audio frequency
- button
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
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Classifications
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a safety payment method based on an audio key. The safety payment method based on the audio key comprises the steps of (a) conducting user registration, (b) conducting bank card binding, (c) installing a payment APP, (d) setting a bank card, (e) initializing payment, (f) sending information to a trading center, (g) generating transaction data, (h) generating a transaction verification code (i) verifying the legality of a message M1, (j) generating a transaction evidence, (k) inputting the transaction verification code, (l) sending a message M2 to the trading center, (m) verifying the legality of the message M2, (n) judging the timeliness of a transaction, (o) generating transaction canceling data, and (p) completing payment. According to the safety payment method based on the audio key, the transaction amount is verified through a short message, and the phenomenon that a bogus transaction amount is sent by the APP is avoided; due to the fact that the legality of the message M2 and the timeliness of the transaction are verified, the safety of payment is guaranteed, and a transaction voucher message can be generated; due to the fact that the number and the password information of the bank card do not need to be input in the whole safety payment process, the risk that the number and the password of the bank card of the user are stolen is avoided.
Description
Technical field
The present invention relates to a kind of safe payment method based on audio frequency button, in particular, relate in particular to a kind of safe payment method based on audio frequency button that can effectively avoid dealing money deception and bank's card number and password to be stolen.
Background technology
Ecommerce based on Intelligent mobile equipment can limit by traversing space-time, realizes e-commerce transaction anywhere or anytime.This transaction has obtained popular accreditation with its convenience and agility, becomes gradually a kind of e-commerce transaction mode of main flow.But, this mode of doing business but exists huge security risk: a large amount of incredible APP are generally installed in (1) Intelligent mobile equipment, the e-commerce transaction APP that the APP of some malice even can disguise oneself as legal, thereby user cheating input bank's card number and password, this makes user be faced with the great risk that fund is stolen; (2) some advanced hacking techniques can be caught the instruction that user inputs by normal APP in real time, thereby cause the leakage of user bank card number and password; (3) some legal secure payment APP function of safety protection design imperfection, easily causes Transaction Disputes, the risk that simultaneously exists user's fund to lose.
Drip and call a taxi such as now widely used, user only need to bind bank's card number, just can use that dripping droplet calls a taxi pays, and does not require input trading password, and this causes after user's lost mobile phone, exists the stolen risk of fund of bank account.In addition, pay for micro-letter, its process of exchange does not produce believable transaction evidence in cryptography meaning, once there is dispute, will produce no evidence can target-seeking situation.
Summary of the invention
The present invention, in order to overcome the shortcoming of above-mentioned technical matters, provides a kind of safe payment method based on audio frequency button.
Safe payment method based on audio frequency button of the present invention, audio frequency button is plugged on the COBBAIF of intelligent mobile terminal, and audio frequency button is provided with green LED lamp button and red LED lamp button, the built-in crypto-operation module of audio frequency button; Intelligent mobile terminal is realized secure payment by the communication with trade center; Its special feature is, described safe payment method is realized by following steps: a). user's registration, and first user arrives trade center registration, and user provides phone number, application customer digital certificate and audio frequency button, comprise sequence number and CertPubKey in customer digital certificate; Customer digital certificate, private key for user and trade center digital certificate are implanted in audio frequency button by trade center, the phone number of trade center recording user; B). binding bank card, user is registered in trade center by input bank's card number and password, and bank's card number is bound with customer digital certificate by trade center mutually; C). install and pay APP, at intelligent mobile terminal, secure payment APP is installed, secure payment APP has merchandise news to be browsed and secure payment function; D). bank card arranges, and user is added on bank's card number of trade center registration on secure payment APP, and sets it as acquiescence draw bank card; E). initiate to pay, when user chooses commodity, when starting to pay, first in intelligent mobile terminal equipment, insert audio frequency button, and the long the green button of pressing, audio frequency button produces message random number
And send it to secure payment APP; F). send information to trade center, the definite dealing money m of commodity that secure payment APP selects according to user, by APP interface, dealing money is showed to user, and reminding user input validation code; Secure payment APP will
With
Send to trade center, the message format of transmission is:
,
Represent intelligent mobile terminal,
Represent trade center; G). produce transaction data, when trade center receives message
After, produce Transaction Identification Number
,Then by current time
,
,
With
Link together and implement signature, produce message
, wherein
Represent the private key of trade center digital certificate,
Represent signature information, wherein * represents arbitrary value; Trade center will
Send to the secure payment APP of intelligent mobile terminal with form expressly, secure payment APP will
Be uploaded to audio frequency button; H). produce transaction verification code, trade center produces transaction verification code
, and by identifying code
With the dealing money receiving
The phone number of user's registration is sent to the form of note; I). verify message
Legitimacy, audio frequency button receives message
After, utilize the trade center digital certificate authentication storing
The legitimacy of middle signature, if
In signature legal, then perform step j); If
In signature illegal, show that current transaction is under attack, exit transaction; J). produce transaction evidence,The raw transaction evidence information of audio frequency button
, wherein
For customer digital certificate sequence number,
For the current time of audio frequency button,
Represent the private key of customer digital certificate; After this, the green button on audio frequency button is long bright
In second, prompting user has produced transaction evidence; K). input validation code, user by checking note,The dealing money that checking note receives and secure payment APP show
Whether consistent, if unanimously, illustrate that secure payment APP does not send false dealing money to trade center, execution step l); If inconsistent, illustrate that APP have sent false dealing money to trade center, execution step o); L). send
To trade center, user is by the transaction verification code in note
Input to secure payment APP, and the short the green button of pressing, make audio frequency button incite somebody to action
Send to APP; APP receives
After,By the identifying code of user input and
Trade center is sent to form expressly; M). verify
Legitimacy, trade center is utilized message
In
Extract customer digital certificate, and utilize the public key verifications in customer digital certificate
Legitimacy; If it is legal to verify, then perform step n); If verify illegal, show that current transaction is under attack, exit transaction; N). it is ageing that judgement is concluded the business,Trade center judgement
≤
Whether set up, if set up, it is ageing legal then to illustrate, execution step p); If be false, then illustrated ageing illegal, exit transaction; O). produce transaction and cancel data, user is short in red button, makes audio frequency button produce transaction and cancels data
, audio frequency button will
Send to APP, by APP by transaction verification code and
Send to trade center;Trade center basis
Extract customer digital certificate, and use its public key verifications
Legitimacy, after being verified, trade center then Cancels Transaction, and retains the evidence that M3 Cancels Transaction as user; P). complete payment transaction, the bank card that trade center utilization associates with customer digital certificate completes money transfer transactions, and trade center is retained simultaneously
As the evidence of this transaction.
Safe payment method based on audio frequency button of the present invention, step is the bright time of length of Green button j)
=3s, short described in l) of step is in 2s by the time of the green button, short described in o) of step is in 2s by the time of red button.
Safe payment method based on audio frequency button of the present invention, step I) middle message
legitimate verification also comprise data novelty verification, in the process of data novelty verification: audio frequency button by self produce random number
after adding 1, judge its whether with message
in the 4th data equate, if equate, show
for legal; If unequal, show
illegal.
Safe payment method based on audio frequency button of the present invention, step m) in
legitimate verification whether also comprise that the checking of transaction verification code, trade center judge that the transaction verification code of user's input produces and be sent to identifying code on user mobile phone with self identical, if identical, show
legal; If not identical, show
illegal.
The invention has the beneficial effects as follows: the safe payment method based on audio frequency button of the present invention, in the process of user's registration, in audio frequency button, write access customer and trade center digital certificate and user's private key, and in trade center, bank's card number and customer digital certificate are bound; In the process paying, first APP sends random number to trade center
and dealing money
, trade center is returned and is comprised
,
,
and current time
message
, and by identifying code and dealing money
be sent on user mobile phone with the form of note, user can verify by the dealing money in note, has avoided APP to send the generation of wash sale amount of money phenomenon; In the process paying, time when user produces with transaction by the PKI of customer digital certificate
verify respectively message
legitimacy and transaction ageing, guaranteed the security of payment transaction, and can produce transaction credential information.Because whole secure payment process is without input bank's card number and encrypted message, the risk of having avoided user bank card number and password to be stolen.
Method of payment based on audio frequency button of the present invention, this audio frequency button embedded digital certificate and crypto-operation equipment, when each payment, only need to and push button audio frequency button plugged earphone jack, can complete payment, and produce believable transaction evidence, guaranteed security and the credibility of transaction.Its advantage is mainly reflected in the following aspects:
(1) this invention is not designed with liquid crystal display to show dealing money as common secure payment instrument (as suitable in the golden e of agricultural bank), but utilizes note to avoid the deception of malice APP to dealing money, convenient and practical.
(2) after having registered, user does not need to input bank card password in the time of each transaction, only need insert audio frequency button in the earphone jack of Intelligent mobile equipment, and push button and can complete payment, guaranteed the convenience paying, having guaranteed again can be because the dangerous bank card causing of Intelligent mobile equipment is divulged a secret.
(3) audio frequency button obtains trusted time by " challenge-response " mode from trade center, can avoid opponent's Replay Attack.
(4) button can produce believable transaction evidence for each transaction, avoids the denial behavior after customer transaction.
(5) can guarantee by button and separating of mobile phone the physical security paying.
(6) audio frequency button only includes redly and two buttons of green LED lamp, and volume is very little, not only good portability, and there is decorative effect, both artistic and practical.
Brief description of the drawings
Fig. 1 is the schematic diagram of the safety payment system based on audio frequency button of the present invention;
Fig. 2 is shown dealing money and the input validation code interface of secure payment APP in the present invention;
Fig. 3 is that user arrives the trade center process flow diagram in when registration;
Fig. 4 is the process flow diagram of the safe payment method based on audio frequency button of the present invention.
Embodiment
Below in conjunction with accompanying drawing and embodiment, the invention will be further described.
As shown in Figure 1, provide the schematic diagram of the safety payment system based on audio frequency button of the present invention, it is made up of intelligent mobile terminal, audio frequency button and trade center, audio frequency button is plugged in the audio interface of intelligent mobile terminal, on audio frequency button, be provided with green LED lamp button and red LED lamp button, the built-in crypto-operation module of audio frequency button; Intelligent mobile terminal is by realizing secure payment with communicating by letter of trade center.
As shown in Figure 3, Figure 4, provided respectively the process flow diagram of user to trade center registration and the safe payment method based on audio frequency button of the present invention, it is realized by following steps:
A). user's registration, first user arrives trade center registration, and user provides phone number, and application customer digital certificate and audio frequency button, comprise sequence number and certificate PKI in customer digital certificate; Trade center is implanted customer digital certificate, private key for user and trade center digital certificate in audio frequency button, the phone number of trade center recording user;
B). binding bank card, user registers in trade center by input bank's card number and password, and trade center is bound bank's card number and customer digital certificate mutually;
C). install and pay APP, at intelligent mobile terminal, secure payment APP is installed, secure payment APP has merchandise news to be browsed and secure payment function;
D). bank card setting, user is added on bank's card number of trade center registration on secure payment APP, and sets it as acquiescence draw bank card;
E). initiate to pay, when user chooses commodity, while starting to pay, first in intelligent mobile terminal equipment, insert audio frequency button, and the long the green button of pressing, audio frequency button produces message random number
and send it to secure payment APP;
F). send information to trade center, the commodity that secure payment APP selects according to user are determined dealing money m, by APP interface, dealing money are showed to user, and reminding user input validation code; Secure payment APP will
with
send to trade center, the message format of transmission is:
,
represent intelligent mobile terminal,
represent trade center;
G). produce transaction data, when trade center receives message
after, produce Transaction Identification Number
, then by current time
,
,
with
link together and implement signature, produce message
, wherein
represent the private key of trade center digital certificate,
represent signature information, wherein * represents arbitrary value; Trade center will
send to the secure payment APP of intelligent mobile terminal with form expressly, secure payment APP will
be uploaded to audio frequency button;
H). produce transaction verification code, trade center produces transaction verification code
, and by identifying code
with the dealing money receiving
be sent to the phone number of user's registration with the form of note;
I). checking message
legitimacy, audio frequency button receives message
after, utilize the trade center digital certificate checking of storing
the legitimacy of middle signature, if
in signature legal, perform step j); If
in signature illegal, show that current transaction is under attack, exit transaction;
In this step, message
legitimate verification also comprise data novelty verification, in the process of data novelty verification: audio frequency button by self produce random number
after adding 1, judge its whether with message
in the 4th data equate, if equate, show
for legal; If unequal, show
illegal.
J). produce transaction evidence, audio frequency button produces transaction evidence information
, wherein
for customer digital certificate sequence number,
for the current time of audio frequency button,
represent the private key of customer digital certificate; After this, the green button on audio frequency button is long bright
in second, prompting user has produced transaction evidence;
In this step, the bright time of the length of the green button
can be set as 3s, to realize the prompting to user.
K). input validation code, user is by checking note, and the dealing money that checking note is received and secure payment APP above show
whether consistent, if consistent, illustrate that secure payment APP does not send false dealing money to trade center, execution step is l); If inconsistent, illustrate that APP has sent false dealing money to trade center, execution step is o);
L). send
to trade center, user is by the transaction verification code in note
input to secure payment APP, and the short the green button of pressing, make audio frequency button incite somebody to action
send to APP; APP receives
after, by the identifying code of user input and
send to trade center with form expressly;
In this step, the short time of pressing the green button should be in 2s.
M). checking
legitimacy, trade center is utilized message
in
extract customer digital certificate, and utilize the public key verifications in customer digital certificate
legitimacy; If it is legal to verify, perform step n); If verify illegally, show that current transaction is under attack, exit transaction;
In this step,
legitimate verification whether also comprise that the checking of transaction verification code, trade center judge that the transaction verification code of user's input produces and be sent to identifying code on user mobile phone with self identical, if identical, show
legal; If not identical, show
illegal.
N). it is ageing that judgement is concluded the business, trade center judgement
≤
whether set up, if set up, it is ageing legal to illustrate, execution step p); If be false, illustrate ageing illegally, exit transaction;
O). produce transaction and cancel data, user is short in red button, makes audio frequency button produce transaction and cancels data
, audio frequency button will
send to APP, by APP by transaction verification code and
send to trade center; Trade center basis
extract customer digital certificate, and use its public key verifications
legitimacy, after being verified, trade center Cancels Transaction, and retains the evidence that M3 Cancels Transaction as user;
In this step, the short time by red button should be in 2.
P). complete payment transaction, the trade center utilization bank card associated with customer digital certificate completes money transfer transactions, and trade center is retained simultaneously
as the evidence of this transaction.
Safe payment method based on audio frequency button of the present invention, in the process paying, by identifying code and dealing money
be sent on user mobile phone with the form of note, user can verify by the dealing money in note, has avoided APP to send the generation of wash sale amount of money phenomenon; In the process paying, by checking message
legitimacy and transaction ageing, guaranteed the security of payment transaction, and can produce transaction credential information.Because whole secure payment process is without input signal card number and encrypted message, the risk of having avoided user bank card number and password to be stolen.
Claims (4)
1. the safe payment method based on audio frequency button, audio frequency button is plugged in the audio interface of intelligent mobile terminal, is provided with green LED lamp button and red LED lamp button on audio frequency button, the built-in crypto-operation module of audio frequency button; Intelligent mobile terminal is by realizing secure payment with communicating by letter of trade center; It is characterized in that, described safe payment method is realized by following steps:
A). user's registration, first user arrives trade center registration, and user provides phone number, and application customer digital certificate and audio frequency button, comprise sequence number and certificate PKI in customer digital certificate; Trade center is implanted customer digital certificate, private key for user and trade center digital certificate in audio frequency button, the phone number of trade center recording user;
B). binding bank card, user registers in trade center by input bank's card number and password, and trade center is bound bank's card number and customer digital certificate mutually;
C). install and pay APP, at intelligent mobile terminal, secure payment APP is installed, secure payment APP has merchandise news to be browsed and secure payment function;
D). bank card setting, user is added on bank's card number of trade center registration on secure payment APP, and sets it as acquiescence draw bank card;
E). initiate to pay, when user chooses commodity, while starting to pay, first in intelligent mobile terminal equipment, insert audio frequency button, and the long the green button of pressing, audio frequency button produces message random number
and send it to secure payment APP;
F). send information to trade center, the commodity that secure payment APP selects according to user are determined dealing money m, by APP interface, dealing money are showed to user, and reminding user input validation code; Secure payment APP will
with
send to trade center, the message format of transmission is:
,
represent intelligent mobile terminal,
represent trade center;
G). produce transaction data, when trade center receives message
after, produce Transaction Identification Number
, then by current time
,
,
with
link together and implement signature, produce message
, wherein
represent the private key of trade center digital certificate,
represent signature information, wherein * represents arbitrary value; Trade center will
send to the secure payment APP of intelligent mobile terminal with form expressly, secure payment APP will
be uploaded to audio frequency button;
H). produce transaction verification code, trade center produces transaction verification code
, and by identifying code
with the dealing money receiving
be sent to the phone number of user's registration with the form of note;
I). checking message
legitimacy, audio frequency button receives message
after, utilize the trade center digital certificate checking of storing
the legitimacy of middle signature, if
in signature legal, perform step j); If
in signature illegal, show that current transaction is under attack, exit transaction;
J). produce transaction evidence, audio frequency button produces transaction evidence information
, wherein
for customer digital certificate sequence number,
for the current time of audio frequency button,
represent the private key of customer digital certificate; After this, the green button on audio frequency button is long bright
in second, prompting user has produced transaction evidence;
K). input validation code, user is by checking note, and the dealing money that checking note is received and secure payment APP above show
whether consistent, if consistent, illustrate that secure payment APP does not send false dealing money to trade center, execution step is l); If inconsistent, illustrate that APP has sent false dealing money to trade center, execution step is o);
L). send
to trade center, user is by the transaction verification code in note
input to secure payment APP, and the short the green button of pressing, make audio frequency button incite somebody to action
send to APP; APP receives
after, by the identifying code of user input and
send to trade center with form expressly;
M). checking
legitimacy, trade center is utilized message
in
extract customer digital certificate, and utilize the public key verifications in customer digital certificate
legitimacy; If it is legal to verify, perform step n); If verify illegally, show that current transaction is under attack, exit transaction;
N). it is ageing that judgement is concluded the business, trade center judgement
≤
whether set up, if set up, it is ageing legal to illustrate, execution step p); If be false, illustrate ageing illegally, exit transaction;
O). produce transaction and cancel data, user is short in red button, makes audio frequency button produce transaction and cancels data
, audio frequency button will
send to APP, by APP by transaction verification code and
send to trade center; Trade center basis
extract customer digital certificate, and use its public key verifications
legitimacy, after being verified, trade center Cancels Transaction, and retains the evidence that M3 Cancels Transaction as user;
P). complete payment transaction, the trade center utilization bank card associated with customer digital certificate completes money transfer transactions, and trade center is retained simultaneously
as the evidence of this transaction.
2. the safe payment method based on audio frequency button according to claim 1, is characterized in that: step is the bright time of length of Green button j)
=3s, short described in l) of step is in 2s by the time of the green button, short described in o) of step is in 2s by the time of red button.
3. the safe payment method based on audio frequency button according to claim 1 and 2, is characterized in that: step I) middle message
legitimate verification also comprise data novelty verification, in the process of data novelty verification: audio frequency button by self produce random number
after adding 1, judge its whether with message
in the 4th data equate, if equate, show
for legal; If unequal, show
illegal.
4. the safe payment method based on audio frequency button according to claim 1 and 2, is characterized in that: step m) in
legitimate verification whether also comprise that the checking of transaction verification code, trade center judge that the transaction verification code of user's input produces and be sent to identifying code on user mobile phone with self identical, if identical, show
legal; If not identical, show
illegal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410410913.0A CN104166918B (en) | 2014-08-20 | 2014-08-20 | Safe payment method based on audio button |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410410913.0A CN104166918B (en) | 2014-08-20 | 2014-08-20 | Safe payment method based on audio button |
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| Publication Number | Publication Date |
|---|---|
| CN104166918A true CN104166918A (en) | 2014-11-26 |
| CN104166918B CN104166918B (en) | 2017-08-25 |
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ID=51910714
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410410913.0A Expired - Fee Related CN104166918B (en) | 2014-08-20 | 2014-08-20 | Safe payment method based on audio button |
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| Publication number | Publication date |
|---|---|
| CN104166918B (en) | 2017-08-25 |
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