CN106127467A - The method of mobile payment integrating financial card paying and settle accounts - Google Patents
The method of mobile payment integrating financial card paying and settle accounts Download PDFInfo
- Publication number
- CN106127467A CN106127467A CN201610444182.0A CN201610444182A CN106127467A CN 106127467 A CN106127467 A CN 106127467A CN 201610444182 A CN201610444182 A CN 201610444182A CN 106127467 A CN106127467 A CN 106127467A
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- China
- Prior art keywords
- pos
- payment
- application
- message
- hce
- Prior art date
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
- G06Q20/351—Virtual cards
-
- 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
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses a kind of method of mobile payment integrating financial card paying and settle accounts, comprise the steps: that the HCE loaded on mobile terminal application is generated the payment message for paying according to the key that pays paying labelling and storage by paying message generating algorithm, and send, by paying message, the POS application loaded to mobile terminal；POS application is generated, according to the POS key paying message and storage received, the POS message paid for knot by POS message generating algorithm, and is sent to payment network through POS operator by POS message；Payment network carries out knot according to the POS message received and pays, and returns knot pair message to POS application.The present invention is by applying in mobile terminal integrated HCE application and POS, and user is by being simulated the step of " swiping the card " on mobile terminal, it is not necessary to through Third-party payment platform, payment process is more safe and reliable；Simultaneously without mobile terminal configuration security module, applied widely.
Description
Technical field
The invention belongs to mobile payment field, a kind of movement integrating financial card paying and settle accounts is propped up
The method of paying.
Background technology
Along with improving constantly of people's living standard, the consuming capacity are obviously improved.Current consumer sale mould
Formula mainly includes off-line transaction pattern and online trading pattern.Under online lower trade mode, consumer can make to carry out in cash
Pay, it is also possible to carry out payment of swiping the card；On line under trade mode, user can carry out propping up by webpage or application program
Pay, after user selects kind suitable commodity or service on the mobile terminal such as computer, mobile phone, need to carry out on mobile terminals
During payment, stay indoors and can complete a complete payment flow, convenient and swift.The condition being paid scene by off-line transaction limits
System, both parties must be the most on the scene, and therefore, online trading ratio shared by current social pays share is more come
The highest.
In online lower trade mode, the movement applied based on HCE (Host Card Emulation, host card is simulated) is propped up
The method of paying currently develops rapidly, and the program can be equipped with NFC (Near Field Communication, near field at one
Communication) function mobile phone on realize pay.When paying, need that the terminal with NFC pressing close to support, NFC dodges and pay function
POS terminal with complete pay.Realize card simulation to be equipped with at one on the mobile phone of NFC function, have two ways at present: one
It is hardware based for planting, referred to as virtual card pattern (Virtual Card Mode)；A kind of based on software, it is referred to as main frame
Mode card (Host Card Mode).
Under virtual card pattern, it is desirable to provide security module SE (Secure Element, hereinafter referred to as SE), SE provides right
The safety storage of sensitive information and the execution environment to trade transactions one safety of offer.Before NFC chip is as non-contact communication
End, is forwarded to SE by the order received from external reader, then by SE process, and is replied by NFC controller.
Under host card pattern, it is not necessary to mobile phone is configured with SE, but by the application run in mobile phone or high in the clouds
Server complete the function of SE, the data that now NFC chip receives by operating system or the application that sends to mobile phone, or
Completed alternately by the server of mobile network's transmission to high in the clouds.The feature of both modes has all been to bypass embedded in mobile phone
The restriction of SE.The pleasant place of this standard is, it need not whole industry and fights to control safety element (i.e. SE).
At present, HCE payment scheme is mainly used in the payment scene of POS under line, due to be applied under line pay field
Jing Zhong, therefore mobile terminal needs to be configured with NFC module, and this improves use cost to a certain extent.On the other hand, HCE
Payment scheme application on line is the most few, and on line, payment technical field is mainly captured by Third-party payment platform, Unionpay and bank
Therefrom benefit the fewest.
Therefore, how to reduce the hardware limitation to mobile terminal, and be applied to HCE payment scheme on line pay, Cheng Liao
Those skilled in the art endeavour the direction of exploitation.
Summary of the invention
The technical problem to be solved in the present invention there is provided a kind of mobile payment integrating financial card paying and settle accounts
Method, by being integrated with HCE application and POS application at mobile terminal, user is by being simulated " swiping the card " on mobile terminal
Step, it is not necessary to through Third-party payment platform, payment process is more safe and reliable；Simultaneously without the safe mould of mobile terminal configuration
Block, reduces the restriction to hardware, applied widely.
For solving above-mentioned technical problem, the present invention adopts the following technical scheme that:
A kind of method of mobile payment integrating financial card paying and settle accounts, comprises the steps:
The HCE application loaded on mobile terminal is according to paying the payment key of labelling and storage by paying message generating algorithm
Generate the payment message for paying, and send, by paying message, the POS application loaded to mobile terminal；
POS application is generated for tying by POS message generating algorithm according to the POS key paying message and storage received
The POS message paid, and POS message is sent to payment network through POS operator；
Payment network carries out knot according to the POS message received and pays, and returns knot pair message to POS application.
In one preferred embodiment, redirect during by there is online shopping mall's application program of payment function on line and paying
Apply to HCE.
In one preferred embodiment, further include steps of POS application and pay message production phase according to the knot received
The E-Payment bill answered, and e bill is sent to online shopping mall's application program.
In one preferred embodiment, described mobile terminal includes smart mobile phone and/or wearable device.
In one preferred embodiment, the bottom of described POS application is by calling special POS hardware；Or
Described POS application is realized by the software through PBOC certification run in execution environment trusty.
In one preferred embodiment, described method also includes:
Fiscard is bound in described HCE application in advance, or aerial hair fastener is applied to described HCE in advance, and at binding fiscard
Or during aerial hair fastener, carry out the authentication of system of real name.
In one preferred embodiment, pay the cloud service platform generation that labelling is applied by HCE.
In one preferred embodiment, the HCE of described payment labelling transmission to mobile terminal is applied payment network.
In one preferred embodiment, described payment network includes Unionpay's payment platform and/or card sending mechanism payment platform.
In one preferred embodiment, pay message generating algorithm and POS message generating algorithm is symmetry algorithm or asymmetric
Algorithm.
In one preferred embodiment, described HCE application binding has at least one fiscard, HCE application transmission to comprise finance
The payment labelling request of card account information is to payment network, and payment network receives and carries out resolving and returning propping up after paying labelling request
Pay labelling to apply to HCE.
In one preferred embodiment, the mobile payment program that HCE application and POS application are installed for mobile terminal.
In one preferred embodiment, HCE application has the standard provided based on Android virtual machine and connects interface setting.
In one preferred embodiment, HCE application connects interface based on the standard that IOS system provides and arranges.
In one preferred embodiment, HCE application and POS apply two for the mobile payment program installed at mobile terminal
Process.
The present invention is used to have a following beneficial effect:
1, in mobile terminal, it is integrated with HCE application and POS application simultaneously, is applied the letter between POS application by HCE
Breath circulation can realize the whole flow process that simulation " swiping the card " pays the most on mobile terminals so that user enters on mobile terminals
Row consumption is more convenient；
2, the fund of consumption directly can be carried out drawing from bank without Third-party payment platform (or quick means of payment)
Turn, improve the safety of user's financial account, have employed AES simultaneously and generate payment message and POS message, enter one
Step improves the safety in payment process；
3, owing to the fund of consumption is without Third-party payment platform, reduce the link of fund flow, advantageously reduce whole
Brokerage charges total value in individual payment flow；
4, provide for bank and directly contact the possibility of the payment data coming from terminal client, it is to avoid payment data is complete
Entirely obtained by Third-party payment platform, it is simple to bank does and does data mining further, the most more preferably hold user's payment data；
5, using the HCE means of payment of Intrusion Detection based on host mode card, the requirement to equipment is relatively low, and mobile terminal is without being equipped with peace
Full module, only need to install corresponding HCE application on mobile terminals and POS application can carry out doing shopping on line and consuming, and reduces
Use cost；
6, during payment and settlement, use labelling to substitute fiscard card number as account means of identification, effectively keep away
Exempt from the probability that real account information is stolen by the external world, it is ensured that safety of payment.
Accompanying drawing explanation
By the detailed description non-limiting example made with reference to the following drawings of reading, the present invention and feature thereof, outward
Shape and advantage will become more apparent upon.The part that labelling instruction identical in whole accompanying drawings is identical.The most proportionally
Draw accompanying drawing, it is preferred that emphasis is the purport of the present invention is shown.
Fig. 1 integrates financial card paying and the flow of information of the method for mobile payment settled accounts for what the embodiment of the present invention provided
Turn figure.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is a part of embodiment of the present invention rather than whole embodiments wholely.Based on this
Embodiment in bright, the every other enforcement that those of ordinary skill in the art are obtained under not making creative work premise
Example, broadly falls into the scope of protection of the invention.
The present invention provides a kind of method of mobile payment integrating financial card paying and settle accounts in one embodiment, ginseng
According to shown in Fig. 1, mainly comprise the steps:
S1. user have on line pay online shopping mall's application program (such as mobile phone Taobao APP, mobile phone Jingdone district APP,
Dangdang.com APP, class APP of calling a taxi and other net purchase classes APP or for little difference quotient family customization APP) in choose commodity or service after, enter
Row automatic jumps to HCE application when paying.
S2. jump to the moment of HCE application at online shopping mall's application program, HCE applies to send and pays labelling request to propping up
Pay network.
S3. payment network is when receiving the payment labelling request that HCE application sends, and it is right to produce according to payment labelling request
The payment labelling answered, will pay labelling afterwards and send to HCE application.
S4.HCE application is according to paying labelling and paying key by paying the generation of message generating algorithm for the payment paid
Message, and send, by paying message, the POS application loaded to mobile terminal.
S5.POS applies and generates corresponding POS message after receiving the payment message come from HCE application transmission, and will
POS message is sent to POS operator.
S6.POS operator will be forwarded to payment network after receiving POS message.
S7. payment network is after receiving POS message, carries out settling accounts and generate knot according to POS message and pays message, and will knot
Pay message and be sent to POS operator.
The knot received is paid the POS application that message is sent to mobile terminal by S8.POS operator.
S9.POS application is paid message production according to the knot received and is paid bill accordingly by mails, and is sent by e bill
To online shopping mall's application program.
In the present invention, HCE application can be considered " simulation " fiscard (such as debit card, the credit card, a prepayment of user
Card, consumption card etc.).In an optional embodiment, user online shopping mall on mobile terminals has chosen commodity or service
After, carrying out paying jumps to HCE application when buying, HCE application generation pays labelling request and is sent to payment network by network,
The HCE paying labelling and being back to mobile terminal is applied by payment network by network, HCE application according to specific pay key and
Pay message generating algorithm and generate payment message.
In the present invention one optional embodiment, above-mentioned mobile terminal includes smart mobile phone, wearable device, or two
The combination (the most miniature wearable mobile phone) of person.
For the safety guaranteed payment, in the present invention one optional embodiment, the bottom of POS application is special by calling
POS hardware；Or POS application by execution environment trusty run through PBOC (People's Bank Of
China, People's Bank of China) software of certification realizes, with the safety guaranteed payment.
In the present invention one optional embodiment, described method may further comprise: that fiscard is bound in HCE application in advance,
Or aerial hair fastener is applied to HCE in advance, and carry out the authentication of system of real name when binding fiscard or aerial hair fastener, on the one hand
Improve the safety of user profile, on the other hand ensure the verity of the user data obtained.
In actual application scenarios, step S1 there may be two kinds of situations, and a kind of situation is: user has on line
In the online shopping mall's application program (such as mobile phone Taobao APP, mobile phone Jingdone district APP, Dangdang.com APP and other net purchases APP) paid
After choosing commodity or service, can automatic jump to HCE application when paying, HCE application generates payment labelling request and is sent to
Payment network；Another kind of situation is: developer, when developing HCE application, is directly integrated with online shopping mall in HCE applies
Interface, when user online shopping mall in HCE applies pays after choosing commodity or service, generates payment labelling request and sends
To payment network.
In the present invention, above-mentioned payment network includes Unionpay's payment platform and/or card sending mechanism payment platform (such as work
The bank paying platforms such as business bank, Construction Bank, China Merchants Bank).In an optional embodiment, HCE application uses RSA Algorithm
And the key of correspondence to generate according to the payment labelling received to pay message.
Additionally, be different from embodiments thereof described above by payment network send payment labelling to HCE application by the way of,
In another optional embodiment, can be sent by the cloud service platform of exploitation HCE application and pay labelling to HCE application.This
Bright in actual application, it is not limited solely to payment network to provide payment labelling, it is also possible to by other (through payment network
Accreditation, if desired) labelling service provider (Token Service Provide, TSP) transmission payment labelling is applied to HCE,
The cloud service platform (or server) that such as can be set up by the mechanism of exploitation HCE application generates payment labelling and sends to mobile
The HCE application of terminal.
In the present invention, the POS application role being integrated in mobile terminal can be considered the POS terminal of trade company.POS
After application receives the payment message that HCE application transmission comes, can generate according to specific POS key and POS message generating algorithm
The POS message paid for knot.In this step, the process docked between HCE application with POS application, can be equal to, use
The fiscard brush POS terminal of entity carries out the process paid.
In the present invention one optional embodiment, HCE application and POS application are to install two independences on mobile terminals
Application program.The mobile payment program of HCE application generate after paying message, can be straight on the operation interface of mobile terminal
Connect the operation interface of the mobile payment program jumping to POS application, and relevant informations such as paying message is communicated to POS application
Mobile payment program, the mobile payment program of POS application can according to the relevant information that receives and utilize specific POS key and
POS message generating algorithm generates the POS message paid for knot.
Wherein, in order to realize redirecting between the mobile payment program of HCE application and the mobile payment program of POS application,
And the mobile payment program of POS application can obtain the payment message of the mobile payment program that HCE applies, HCE applies realization
There is the standard provided based on Android virtual machine connect interface and arrange.It addition, HCE application also achieves and carries based on IOS system
The standard of confession connects interface and arranges.Take this, scheme that the present invention provides is compatible current main-stream Mobile operating system (Android
And IOS), the suitability is wider.
In another optional embodiment of the present invention, HCE application and POS application are the mobile payment installed at mobile terminal
Two processes of program, say, that HCE application and two independent processes that POS application is same mobile payment program, logical
Cross HCE application process jump to POS application process equally realize by HCE application generate payment message be conveyed to POS should
With.
Additionally, in the present invention one optional embodiment, user online shopping mall APP on mobile terminals chooses and admires
Commodity or service after carry out placing an order after purchase generates sequence information, directly can jump to HCE from this online shopping mall APP and apply,
Sent payment labelling request by HCE application to pass through to payment network or cloud service platform, payment network or cloud service platform
Network return payment labelling is applied to the HCE of mobile terminal.If during additionally, online shopping mall is integrated in HCE application, being then net
The process of upper store application jumps to HCE application, does not repeats them here.Wherein, mobile terminal can by WIFI, 3G and/or
4G network sends payment labelling request and/or receives payment labelling.
Meanwhile, POS apply receive HCE application send payment message time, can pull in online shopping mall generate right
The Business Information answering sequence information generates POS message, and will comprise both parties' account information and the POS of corresponding Transaction Information
Message sends to payment network through POS operator, carries out knot by payment network and pays, and returns knot pair message to mobile terminal
POS applies.Further, POS applies after receiving knot pair message, and can push E-Payment bill information should to online shopping mall
With (or process), user can view relevant settlement information, such as exchange hour, trade gold the most at any time
The information such as volume, trading object.
In the present invention one optional embodiment, pay message generating algorithm and POS message generating algorithm is symmetry algorithm
Or asymmetric arithmetic, when HCE application uses symmetry algorithm and corresponding secret key to generate payment message, POS application is also adopted by symmetry
Algorithm and corresponding secret key generate POS message, and vice versa, do not repeat them here.In an embodiment of above-mentioned offer, when adopting
When generating payment message with RSA Algorithm, known RSA Algorithm is rivest, shamir, adelman, therefore generates the algorithm of POS message also
For asymmetric arithmetic.It addition, HCE application and/or POS apply the key that can the most dynamically update each storage in networking, to drop
Low HCE application and/or POS apply the risk broken through by exogenous data, improve the safety paid.
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive.Although retouching in conjunction with accompanying drawing
State one or more embodiments of the invention, it should be understood by one skilled in the art that without departing from appended right
In the case of requiring the spirit and scope of the present invention limited, the change of various forms and details can be made.
Claims (15)
1. the method for mobile payment integrating financial card paying and settle accounts, it is characterised in that comprise the steps:
The HCE application loaded on mobile terminal generates by paying message generating algorithm according to the payment key paying labelling and storage
For the payment message paid, and send, by paying message, the POS application loaded to mobile terminal；
POS application is paid for knot by the generation of POS message generating algorithm according to the POS key paying message and storage received
POS message, and POS message is sent to payment network through POS operator；
Payment network carries out knot according to the POS message received and pays, and returns knot pair message to POS application.
The most in accordance with the method for claim 1, it is characterised in that apply journey by having the online shopping mall of payment function on line
HCE application is jumped to when sequence pays.
The most in accordance with the method for claim 2, it is characterised in that further include steps of POS application according to receiving
Knot pay message and produce and pay bill accordingly by mails, and e bill is sent to online shopping mall's application program.
The most in accordance with the method for claim 1, it is characterised in that described mobile terminal includes smart mobile phone and/or wearable
Equipment.
The most in accordance with the method for claim 1, it is characterised in that the bottom of described POS application is hard by calling special POS
Part；Or
Described POS application is realized by the software through PBOC certification run in execution environment trusty.
The most in accordance with the method for claim 1, it is characterised in that described method also includes:
Fiscard is bound in described HCE application in advance, or aerial hair fastener is applied to described HCE in advance, and at binding fiscard or sky
The authentication of system of real name is carried out during middle hair fastener.
The most in accordance with the method for claim 1, it is characterised in that pay the cloud service platform generation that labelling is applied by HCE.
The most in accordance with the method for claim 1, it is characterised in that by payment network, described payment labelling is sent to mobile whole
The HCE application of end.
The most in accordance with the method for claim 8, it is characterised in that described payment network includes Unionpay's payment platform and/or sends out
Mechanism for card payment platform.
The most in accordance with the method for claim 1, it is characterised in that pay message generating algorithm and POS message generating algorithm is
Symmetry algorithm or asymmetric arithmetic.
11. according to the method described in claim 1 or 6 or 8, it is characterised in that described HCE application binding has at least one finance
Card, HCE application sends the payment labelling request comprising fiscard account information and pays labelling to payment network, payment network reception
Carry out resolving and return payment labelling after request to apply to HCE.
12. according to the arbitrary described method of claim 1 to 10, it is characterised in that HCE application and POS application are mobile terminal
The mobile payment program installed.
13. in accordance with the method for claim 12, it is characterised in that HCE application has the mark provided based on Android virtual machine
The accurate interface that connects is arranged.
14. in accordance with the method for claim 12, it is characterised in that the standard that HCE application provides based on IOS system connects
Mouth is arranged.
15. according to the arbitrary described method of claim 1 to 10, it is characterised in that HCE applies and POS application is for mobile whole
Two processes of the mobile payment program that end is installed.
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| CN201610444182.0A CN106127467A (en) | 2016-06-20 | 2016-06-20 | The method of mobile payment integrating financial card paying and settle accounts |
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| CN201610444182.0A CN106127467A (en) | 2016-06-20 | 2016-06-20 | The method of mobile payment integrating financial card paying and settle accounts |
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| CN107256484A (en) * | 2017-03-17 | 2017-10-17 | 中国银联股份有限公司 | Mobile payment sublicense method and the payment system realized using this method |
| CN107993068A (en) * | 2017-11-30 | 2018-05-04 | 钱宝科技服务（上海）有限公司 | Payment system under order line on a kind of line |
| CN109118198A (en) * | 2018-06-11 | 2019-01-01 | 中国银联股份有限公司 | Sale point management apparatus and point of sale service management system based on intelligent terminal |
| CN110275743A (en) * | 2018-03-16 | 2019-09-24 | 长城汽车股份有限公司 | Skin change method, system and the vehicle at vehicle-mounted interface |
| CN112309051A (en) * | 2020-09-27 | 2021-02-02 | 深圳拓邦股份有限公司 | Off-line electricity changing method and system based on secret key |
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Application publication date: 20161116 |