CN107833047A - A kind of safety payment system architectural framework design based on NFC - Google Patents
A kind of safety payment system architectural framework design based on NFC Download PDFInfo
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- CN107833047A CN107833047A CN201711318299.5A CN201711318299A CN107833047A CN 107833047 A CN107833047 A CN 107833047A CN 201711318299 A CN201711318299 A CN 201711318299A CN 107833047 A CN107833047 A CN 107833047A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
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- Computer Networks & Wireless Communication (AREA)
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- Theoretical Computer Science (AREA)
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- General Business, Economics & Management (AREA)
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- Health & Medical Sciences (AREA)
- Finance (AREA)
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- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of safety payment system architectural framework design based on NFC, including system management platform, GPRS network, Internet of things system, other industry system and Mobile payment terminal, the system management platform includes mobile-payment system and NFC payment terminal systems, the mobile-payment system includes two big business system of mobile-phone payment management and mobile phone settlement management, and the mobile-phone payment management includes interface subsystem, pay subsystem, door management, card tube system and secret key subsystem, the mobile phone settlement management includes operation and maintenance subsystem and statistics and analyzing subsystem；The secret key subsystem is designed using three-level secret key generation structure.
Description
Technical field
The present invention relates to a kind of near field payment technology field, more particularly to a kind of safety payment system system based on NFC
Architecture design.
Background technology
Currently, it is growing day by day for the demand of mobile-phone payment service all over the world.The commonly used of mobile-phone payment will also be
Financial services industry causes revolutionary change, and it will largely change mode of the people using many electronic equipments, very
To the mode changed using credit card, key and cash.In numerous technical schemes of mobile payment, the near field branch based on NFC
The scheme of paying has obvious competitiveness.Using the mobile phone of installation NFC chip, people can pass through in any place, any time
POS terminal equipment, linked together with the service that they intentionally get and transaction, complete to pay the bill and obtain relevant information.Mobile phone
Mobile payment is in social environment, and bank card user and netizen's quantity grow continuously and fast, and it is improper using Third-party payment to exist
The phenomenon got profit.
It would therefore be desirable to research and develop, a kind of security performance is higher, and the stability of a system is more preferable, and more efficient mobile payment is put down
Platform.
The content of the invention
The present invention proposes a kind of safety payment system architectural framework design based on NFC, solves of the prior art
The problem of near field safety of payment performance is insufficient, and the stability of a system is bad and efficiency is low.
In order to solve the above-mentioned technical problem, the invention provides following technical scheme：
A kind of safety payment system architectural framework design based on NFC of the present invention, including system management platform, GPRS nets
Network, Internet of things system, other industry system and Mobile payment terminal, the system management platform include mobile-payment system and
NFC payment terminal systems, the mobile-payment system include two big business system of mobile-phone payment management and mobile phone settlement management, and
The mobile-phone payment management includes interface subsystem, pays subsystem, door management, card tube system and secret key subsystem, institute
Stating mobile phone settlement management includes operation and maintenance subsystem and statistics and analyzing subsystem；The secret key subsystem is close using three-level
Spoon generation structure is designed；
The NFC payment terminals system include embedded microprocessor unit, memory cell, wireless network support,
External device and I/O ports etc., the mobile data terminal software systems based on remote computation can generally be divided into four big portions
Point：Hardware interface and drive software module, (SuSE) Linux OS, communication protocol software module and application layer module；
The Internet of things system include sector terminal, M2M management platforms, BSS, industry transfer gateway II, GGSN/PDSN,
Network management system, database module and sector application.
As a preferred technical solution of the present invention, the payment subsystem includes payment management subsystem module and branch
Pay processing module.
As a preferred technical solution of the present invention, the embedded microprocessor unit is using S3C6410 at
Manage device.
As a preferred technical solution of the present invention, the door management includes customer portals and trade company's door.
The beneficial effect that is reached of the present invention is：The design profit of the safety payment system architectural framework based on NFC of the present invention
With the platform of internet of things of rapid development, with reference to advanced NFC near fields payment technology, network technology and database technology, wirelessly penetrate
Many high and new technologies such as frequency identification technology, there is provided one by information exchange centered on, towards the mobile payment function of E-consumer
Platform；System is KMC and the filling system of card key using more application management platforms of " multi-stage key management system "
System.In key management system the management of all kinds of keys should be identified according to classification application, key identification, key version number and key class
Type uniquely determines corresponding secret key and handled.The unforgeable of data link is ensure that, ensures user's fund and information
Security.
Brief description of the drawings
Accompanying drawing is used for providing a further understanding of the present invention, and a part for constitution instruction, the reality with the present invention
Apply example to be used to explain the present invention together, be not construed as limiting the invention.In the accompanying drawings：
Fig. 1 is a kind of safe key generation design side of the safety payment system architectural framework design based on NFC of the present invention
Case figure；
Fig. 2 is a kind of key distribution conceptual schematic drawing of the safety payment system architectural framework design based on NFC of the present invention；
Fig. 3 is a kind of mobile-payment system Organization Chart of the safety payment system architectural framework design based on NFC of the present invention；
Fig. 4 is a kind of Internet of Things management platform framework of the safety payment system architectural framework design based on NFC of the present invention
Figure；
Fig. 5 is a kind of mobile data terminal system of the safety payment system architectural framework design based on NFC of the present invention
Hardware block diagram；
Embodiment
The preferred embodiments of the present invention are illustrated below in conjunction with accompanying drawing, it will be appreciated that described herein preferred real
Apply example to be merely to illustrate and explain the present invention, be not intended to limit the present invention.
Embodiment 1
As Figure 1-5, the present invention provides a kind of safety payment system architectural framework design based on NFC, including system
Management platform, GPRS network, Internet of things system, other industry system and Mobile payment terminal, system management platform include moving
Dynamic payment system and NFC payment terminal systems, mobile-payment system include mobile-phone payment management and the great cause of mobile phone settlement management two
Business system, and mobile-phone payment management includes interface subsystem, pays subsystem, door management, card tube system and secret key subsystem
System, mobile phone settlement management include operation and maintenance subsystem and statistics and analyzing subsystem；Secret key subsystem uses three-level secret key
Generation structure is designed；Interface subsystem mainly realizes the access of mobile own plateform system, and support mainly includes Radius
Agreement, Telnet/SSH agreements, JDBC/ODBC, Syslog/SNMP, the puppy parc such as FTP, SPML, realize (short with SMS platform
Believe platform), the docking of CRM (customer relation management) system, M2M (Internet of Things), smart city, the plateform system such as network management system；
Subsystem is paid, the foundation and management of main responsible mobile-phone payment account, includes management, the transaction of account, and business batch
The functions such as processing, risk control, routine work management；Card tube system, the generation of main responsible mobile-phone payment SIM card data,
Including fabrication basic data management, coding resource management, security domain management, card data generation, order management etc.；Key subsystem
System, there is provided the key of mobile phone payment platform and card pipe, including the generation of key, reception, transmission, destruction etc.；And run and repair
All system administrations of subsystem responsible and monitoring, can be monitored to system and transaction, and the content of monitoring can customize, institute
Some monitoring content visualizations.Failure can be found in time, failure is tracked, and ensure the timely reparation of failure；Statistics with
Analyzing subsystem is responsible for carrying out statistical analysis to consumer sale information caused by payment platform, and provides statistical report form.
NFC payment terminal systems include embedded microprocessor unit, memory cell, wireless network support, peripheral hardware
Device and I/O ports etc., it is most of that the mobile data terminal software systems based on remote computation can generally be divided into four：Firmly
Part interface and drive software module, (SuSE) Linux OS, communication protocol software module and application layer module；Hardware interface and drive
Dynamic software module mainly provides the control of hardware device and interface, according to mobile data terminal use hardware device and
Interface is, it is necessary to configuration memory units driving, interface driver, peripheral hardware driving, the driving of 3G communication modules etc.；Built-in Linux is grasped
Making system includes kernel and application program two parts, and application program is responsible for the partially-initialized of system, and basic man-machine interface must
Order wanted etc., kernel provide a virtual hardware platform for application program, resource are conducted interviews in a uniform manner, and
And pellucidly support multitask.Linux solves the problems, such as extension well using kernel mechanism, and a series of codes can need
Easily load or unload when wanting, linux kernel are mainly combined by subsystem different in 6 logic functions, bag
Include process scheduling, memory management, Virtual File System, network interface, interprocess communication and driver；Communication protocol software mould
Block：Protocol software module mainly includes the protocol software of 3G wireless technologys, such as GSM, GPRS and WCDMA protocol software, bag
Include the Ll protocol softwares and the L2/L3 protocol softwares；Application layer module：Application layer module is the superiors' module in terminal software, main
To include various application programs, for the running and behavior of control system, be mainly used in realizing specific service application.Including with
The interface (UI) at family, the control of the realization of business function, the presentation of business and user to business etc., the system mainly completes business
The functional requirements such as product are sold and NFC near fields are paid, it is shown and provided various functions by peripheral hardwares such as keyboard, LCD, meets user
The demand of using terminal.
Internet of things system includes sector terminal, M2M management platforms, BSS, industry transfer gateway II, GGSN/PDSN, webmaster
System, database module and sector application；Sector terminal includes integral type terminal, handheld terminal；M2M management platforms are group
Client provides unified industry SIM card management and terminal management, application management platform, supports cable network, WIFI, GSM, TD
Deng various network access modes, there is provided the interface of standardization, and data route is monitored and user is authenticated etc.；
BSS unified management EC information, service handling, charging and clearing, EC information, business information (including product information) change are by BSS
Complete, BSS is to M2M management platforms quasi real time synchronous order relations.For M2M management platforms and BSS system interfaces；Industry is changed
Gateway II realizes docking for specific industry specification and operator's specification in platform side, so that operator smoothly accesses traditional industries
Solution, single-point deployment, the whole network uses, but operator is weaker to terminal control dynamics；M2M management platforms pass through NAT tunnels
Or gre tunneling connection GGSN/PDSN, it is linked into mobile communications network；Terminal accesses M2M management platforms by GGSN/PDSN；Net
Guard system completes network management function by network management interface.On regulatory requirement, data network operation system network management interface should be supported
SNMP, FTP, database management agreement, i.e. data network equipment should provide at SNMP, Syslog, FTP, Telnet, database
Three kinds of network management interfaces in interface.
Paying subsystem includes payment management subsystem module and payment processes module, and payment management subsystem module is main
It is responsible for the foundation and management of mobile-phone payment account, includes management, the transaction of account, and business batch processing, risk control, day
The functions such as normal service management；Payment processes module is responsible for completing message forwarding and the information of the management class correlation of mobile phone payment platform
Storage, such as the opening of account, change of state etc.；Transaction is related：Complete transaction related message forwarding and information storage.
Embedded microprocessor unit uses S3C6410 application processors, and S3C6410 application processors are based on ARM11 framves
Structure, stable performance, powerful, cost performance is higher, the characteristics of having merged high-performance and low-power consumption, has abundant equipment interface
With comprehensive functional module, dedicated for the exploitation of the electronic products such as consumer electronics, multimedia terminal, industry PDA, can meet
It is a kind of general processor of the terminal device such as hand-held, mobile to a variety of multimedia application demands of mobile terminal device.
Door management includes customer portals and trade company's door, and customer portals mainly provide the management and friendship of userspersonal information
Query statistic of easy information etc.；And trade company's door mainly provides the information management of user, the management of transaction and statistics etc..
The design of the safety payment system architectural framework based on NFC of the present invention utilizes the platform of internet of things of rapid development, knot
Many high and new technologies such as advanced NFC near fields payment technology, network technology and database technology, radio RF recognition technology are closed,
There is provided one by information exchange centered on, towards the mobile payment function platform of E-consumer；System uses " multi-stage key management
More application management platforms of system " are KMC and card key bulking system.All kinds of keys in key management system
Management should be identified according to classification application, key identification, key version number and Key Tpe are uniquely determined at corresponding secret key
Reason.The unforgeable of data link is ensure that, ensures the security of user's fund and information.
Finally it should be noted that：The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention,
Although the present invention is described in detail with reference to the foregoing embodiments, for those skilled in the art, it still may be used
To be modified to the technical scheme described in foregoing embodiments, or equivalent substitution is carried out to which part technical characteristic.
Within the spirit and principles of the invention, any modification, equivalent substitution and improvements made etc., it should be included in the present invention's
Within protection domain.
Claims (4)
1. a kind of safety payment system architectural framework design based on NFC, including system management platform, GPRS network, Internet of Things
System, other industry system and Mobile payment terminal, it is characterised in that the system management platform includes mobile-payment system
With NFC payment terminal systems, the mobile-payment system includes two big business system of mobile-phone payment management and mobile phone settlement management,
And the mobile-phone payment management includes interface subsystem, pays subsystem, door management, card tube system and secret key subsystem,
The mobile phone settlement management includes operation and maintenance subsystem and statistics and analyzing subsystem；The secret key subsystem uses three-level
Secret key generation structure is designed；
The NFC payment terminals system includes embedded microprocessor unit, memory cell, wireless network support, peripheral hardware
Device and I/O ports etc., it is most of that the mobile data terminal software systems based on remote computation can generally be divided into four：Firmly
Part interface and drive software module, (SuSE) Linux OS, communication protocol software module and application layer module；
The Internet of things system includes sector terminal, M2M management platforms, BSS, industry transfer gateway II, GGSN/PDSN, webmaster
System, database module and sector application.
A kind of 2. safety payment system architectural framework design based on NFC according to claim 1, it is characterised in that institute
Stating payment subsystem includes payment management subsystem module and payment processes module.
A kind of 3. safety payment system architectural framework design based on NFC according to claim 1, it is characterised in that institute
State embedded microprocessor unit and use S3C6410 application processors.
A kind of 4. safety payment system architectural framework design based on NFC according to claim 1, it is characterised in that institute
Stating door management includes customer portals and trade company's door.
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| CN201711318299.5A CN107833047A (en) | 2017-12-12 | 2017-12-12 | A kind of safety payment system architectural framework design based on NFC |
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| CN201711318299.5A CN107833047A (en) | 2017-12-12 | 2017-12-12 | A kind of safety payment system architectural framework design based on NFC |
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| CN107833047A true CN107833047A (en) | 2018-03-23 |
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Cited By (2)
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| CN108696850A (en) * | 2018-04-26 | 2018-10-23 | 仲恺农业工程学院 | Synchronous inducing method, apparatus and system |
| CN111385085A (en) * | 2018-12-27 | 2020-07-07 | 山东量子科学技术研究院有限公司 | Quantum three-level key system implementation method and system |
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Application publication date: 20180323 |