CN104281946A - Safe and reliable mobile payment transaction method - Google Patents
Safe and reliable mobile payment transaction method Download PDFInfo
- Publication number
- CN104281946A CN104281946A CN201310289579.3A CN201310289579A CN104281946A CN 104281946 A CN104281946 A CN 104281946A CN 201310289579 A CN201310289579 A CN 201310289579A CN 104281946 A CN104281946 A CN 104281946A
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- CN
- China
- Prior art keywords
- equipment
- unit
- safe
- transaction
- request information
- 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.)
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Classifications
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/352—Contactless payments by cards
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The invention discloses a safe and reliable mobile payment transaction method, and relates to the technical field of mobile payment. The safe and reliable mobile payment transaction method includes the steps that (a) a second device works in the non-contact IC card reader mode, and a first device works in the non-contact IC card simulation mode; (b) transaction request information is input into a client software unit of the first device; (c) the client software unit transmits the transaction request information to a safety unit; (d) the second device is logically connected with the safety unit of the first device through non-contact IC card communication; (e) the second device reads the transaction request information in the safety unit; (f) a user conducts confirmation through the second device according to the validity of the transaction request information in the safety unit; (g) confirmation information is transmitted into the safety unit of the first device, and the safety unit allows or refuses a transaction according to the confirmation information. The safety of user data and information of the far field transaction in mobile payment can be guaranteed, and potential safety hazards of far field payment in the mobile payment are avoided.
Description
Technical field
The present invention relates to mobile payment technical field, particularly safe and reliable mobile payment transaction method.
Background technology
At present, mobile payment technical development obtains very fast, and mobile payment comprises near field payment and far field pays two kinds of forms.Near field pays and refers at mobile device, as realized the function of simulation contactless smart card in mobile phone, PDA, by by mobile device near card reader, thus complete the mode of transaction, be similar to transaction of swiping the card.Conclude the business the Web bank be then similar on computer in far field, and user inputs Transaction Information in the client software of mobile device, can realize transferring accounts, the several functions such as payment.With similar in computer, password stores and data encryption can by safe unit in a mobile device, such as SIM card, SD Key etc. carry out safety assurance, but for user input password and transaction data, still need user to input from the client software of mobile device.
Referring to Fig. 1, the general flow that in existing mobile payment, far field pays is: first, user starts client, and then input PIN code, PIN code is delivered to safe unit, and safe unit is verified PIN code, if correctly, then can continue operation.User inputs Transaction Information, and input transaction password (password of such as withdrawing the money), safe unit is by Transaction Information and transaction password encryption generating ciphertext, and be then delivered to server by client, after server confirmation is errorless, transaction completes.In this process, because mobile device itself is difficult to ensure not by infringements such as wooden horse/hacker software, the PIN code of its client input, Transaction Information, transaction password are easy to be intercepted and captured, and are utilized by people, and formation wash sale, Transaction Information are distorted.Thus cause damage to user.In the payment process of far field, the client software of mobile device be difficult to ensure not destroy by hacker, therefore pay relative near field and there is larger safety issue.Its danger is mainly: 1. hacker steals user password code, initiates wash sale; 2. hacker distorts Transaction Information.Carry out by man-machine interface the potential safety hazard that data theft distorts owing to existing, can greatly affect carrying out and popularizing of mobile payment.
Summary of the invention
In order to avoid above-mentioned hidden danger of the prior art, the object of this invention is to provide a kind of safe and reliable mobile payment transaction method.It can ensure the user data of far field transaction and the safety of information in mobile payment, avoids far field in mobile payment to pay the potential safety hazard faced.
In order to reach foregoing invention object, technical scheme of the present invention realizes as follows:
A safe and reliable mobile payment transaction method, it uses two mobile devices with contactless ic cartoon communication function.Wherein equipment one built-in security unit, intended non-contact IC card analogue unit and the client software unit of functional realiey by the non-contact IC snap gauge that carries, equipment two type built-in contactless IC card reader unit.The method comprises the following steps:
A) equipment two works in non-contact IC card reader pattern, and equipment one works in non-contact IC snap gauge simulation models;
B) at the client software unit input transaction request information of equipment one;
C) safe unit of equipment one is started working after equipment two inputs correct PIN code, and transaction request information is delivered to safe unit by client software unit;
D) equipment two is set up logic by non-contact IC card communication with the safe unit of equipment one and is connected;
E) equipment two reads the transaction request information in safe unit;
F) user is confirmed by the correctness of transaction request information in equipment two pairs of safe units;
G) confirmation is delivered in the safe unit of equipment one, and safe unit allows according to confirmation or refusal transaction is carried out.
In the above-mentioned methods, display unit and push-button unit is also comprised in equipment two.
In the above-mentioned methods, described confirmation transaction request information comprises password.
The present invention is owing to have employed said method, and make use of the mode of operation of the simulation card that mobile payment device itself has, the mobile device having card-reading function by another confirms Transaction Information, ensure that the security of transaction.
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of mobile far field method of payment in prior art;
Fig. 2 is the process flow diagram that the present invention moves far field method of payment;
Fig. 3 uses two of method of payment of the present invention structural representations with contactless ic cartoon communication function mobile device in embodiment.
Embodiment
Referring to Fig. 2 and Fig. 3, the present invention completes the method for mobile payment transaction, and it uses two mobile devices with contactless ic cartoon communication function.Wherein equipment 1 built-in security unit 1.1, intended non-contact IC card analogue unit 1.2 and the client software unit 1.3 of functional realiey by the non-contact IC snap gauge that carries, equipment 22 type built-in contactless IC card reader unit 2.1, display unit 2.2 and push-button unit 2.3.The method comprises the following steps:
A) equipment 22 works in non-contact IC card reader pattern, and equipment 1 works in non-contact IC snap gauge simulation models;
B) transaction request information is inputted at the client software unit 1.3 of equipment 1;
C) safe unit 1.1 of equipment 1 is started working after equipment 22 inputs correct PIN code, and transaction request information is delivered to safe unit 1.1 by equipment 1;
D) equipment 22 is set up logic by non-contact IC card communication with the safe unit 1.1 of equipment 1 and is connected;
E) equipment 22 reads the transaction request information in safe unit 1.1;
F) user is confirmed by the correctness of transaction request information in equipment 22 pairs of safe units 1.1, confirms that transaction request information comprises password;
G) confirmation is delivered in the safe unit 1.1 of equipment 1, and safe unit 1.1 allows according to confirmation or refusal transaction is carried out.
At present, the scheme carrying out near field payment and far field payment is a lot, comprising NFC scheme and double-interface card scheme etc.The common ground of these schemes all has contactless smart card analog functuion, can simulate the function of contactless smart card.In addition, all there is the function of safe unit, encryption and decryption and the certification of data can be completed.Near field is paid and is completed by contactless smart card analog functuion and safe unit.Far field payment is then direct to be completed by client-side program and safe unit.Method of payment of the present invention just can use two mobile devices with contactless ic cartoon communication function to realize.First, the client software unit 1.3 of mobile device 1 starts, but PIN code must be inputted by equipment 22, PIN code by contactless smart card analogue unit 1.2 communication of reader unit 2.1 with equipment 1, and is delivered to the safe unit 1.1 of equipment 1 by equipment 22 by equipment 22.Safe unit 1.1 verifies PIN code, if correctly, then can continue operation.User inputs Transaction Information on equipment 1, Transaction Information is first delivered to the safe unit 1.1 of equipment 1, then Transaction Information is delivered to equipment 2 2. user by non-contact function whether to be tampered by equipment 22 pairs of Transaction Informations and to confirm, confirm errorless after, user inputs transaction password at equipment 22, and transaction password is delivered to the safe unit 1.1 of equipment 1 by non-contact function.Safe unit 1.1, by after Transaction Information and transaction password encryption, is delivered to server by the client software unit 1.3 of equipment 1.After server confirmation is errorless, transaction completes.Adopt method of the present invention, user PIN code, transaction password can be inputted by equipment 22, and the safe unit 1.1 of equipment 1 after input, is directly delivered to by non-contact communication, do not need to be inputted by client software unit 1.3, therefore be difficult to be intercepted and captured by hacker, security improves greatly.In addition, Transaction Information can confirm on equipment 22, further enhancing security.
Claims (3)
1. a safe and reliable mobile payment transaction method, it uses two mobile devices with contactless ic cartoon communication function, wherein equipment one (1) built-in security unit (1.1), intended non-contact IC card analogue unit (1.2) and the client software unit (1.3) of functional realiey by the non-contact IC snap gauge that carries, equipment two (2) type built-in contactless IC card reader unit (2.1); The method comprises the following steps:
A) equipment two (2) works in non-contact IC card reader pattern, and equipment one (1) works in non-contact IC snap gauge simulation models;
B) at client software unit (1.3) the input transaction request information of equipment one (1);
C) safe unit (1.1) of equipment one (1) is started working after equipment two (2) inputs correct PIN code, and transaction request information is delivered to safe unit (1.1) by client software unit (1.3);
D) equipment two (2) is set up logic by non-contact IC card communication with the safe unit (1.1) of equipment one (1) and is connected;
E) equipment two (2) reads the transaction request information in safe unit (1.1);
F) user is confirmed by the correctness of equipment two (2) to safe unit (1.1) interior transaction request information;
G) confirmation is delivered in the safe unit (1.1) of equipment one (1), and safe unit (1.1) allows according to confirmation or refusal transaction is carried out.
2. mobile payment transaction method safe and reliable according to claim 1, is characterized in that, also comprises display unit (2.2) and push-button unit (2.3) in described equipment two (2).
3. the method for mobile payment transaction safe and reliable according to claim 1 or 2, is characterized in that, described confirmation transaction request information comprises password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310289579.3A CN104281946A (en) | 2013-07-11 | 2013-07-11 | Safe and reliable mobile payment transaction method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310289579.3A CN104281946A (en) | 2013-07-11 | 2013-07-11 | Safe and reliable mobile payment transaction method |
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| Publication Number | Publication Date |
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| CN104281946A true CN104281946A (en) | 2015-01-14 |
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| CN201310289579.3A Pending CN104281946A (en) | 2013-07-11 | 2013-07-11 | Safe and reliable mobile payment transaction method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550866A (en) * | 2015-05-30 | 2016-05-04 | 宇龙计算机通信科技(深圳)有限公司 | Safety control method and apparatus |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070067833A1 (en) * | 2005-09-20 | 2007-03-22 | Colnot Vincent C | Methods and Apparatus for Enabling Secure Network-Based Transactions |
| CN101261709A (en) * | 2008-04-21 | 2008-09-10 | 中兴通讯股份有限公司 | Online payment method and system using the mobile terminal supporting eNFC function |
| CN102568096A (en) * | 2010-12-21 | 2012-07-11 | 北京同方微电子有限公司 | Safety terminal device for mobile payment |
-
2013
- 2013-07-11 CN CN201310289579.3A patent/CN104281946A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070067833A1 (en) * | 2005-09-20 | 2007-03-22 | Colnot Vincent C | Methods and Apparatus for Enabling Secure Network-Based Transactions |
| CN101261709A (en) * | 2008-04-21 | 2008-09-10 | 中兴通讯股份有限公司 | Online payment method and system using the mobile terminal supporting eNFC function |
| CN102568096A (en) * | 2010-12-21 | 2012-07-11 | 北京同方微电子有限公司 | Safety terminal device for mobile payment |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550866A (en) * | 2015-05-30 | 2016-05-04 | 宇龙计算机通信科技(深圳)有限公司 | Safety control method and apparatus |
| CN105550866B (en) * | 2015-05-30 | 2020-05-19 | 宇龙计算机通信科技(深圳)有限公司 | Safety control method and device |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| SE01 | Entry into force of request for substantive examination | ||
| C53 | Correction of patent of invention or patent application | ||
| CB02 | Change of applicant information |
Address after: 100083 Beijing City, Haidian District Wudaokou Wangzhuang Road No. 1 Tongfang Technology Plaza D floor 18 West Applicant after: Beijing Tongfang Microelectronics Company Address before: 100083 Haidian District Tsinghua Tongfang Technology Plaza, block A, floor 29, Beijing Applicant before: Beijing Tongfang Microelectronics Company |
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| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150114 |