CN108154364A - Wearable device and payment system and method for payment with the wearable device - Google Patents
Wearable device and payment system and method for payment with the wearable device Download PDFInfo
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- CN108154364A CN108154364A CN201611110386.7A CN201611110386A CN108154364A CN 108154364 A CN108154364 A CN 108154364A CN 201611110386 A CN201611110386 A CN 201611110386A CN 108154364 A CN108154364 A CN 108154364A
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- 238000000034 method Methods 0.000 title claims abstract description 17
- 238000012011 method of payment Methods 0.000 claims description 5
- 238000004321 preservation Methods 0.000 claims description 3
- 230000008569 process Effects 0.000 claims description 3
- 238000012795 verification Methods 0.000 claims description 3
- 230000005611 electricity Effects 0.000 claims description 2
- 238000004891 communication Methods 0.000 description 4
- 238000010586 diagram Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 230000008859 change Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000004075 alteration Effects 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
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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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F1/00—Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00
- G06F1/16—Constructional details or arrangements
- G06F1/1613—Constructional details or arrangements for portable computers
- G06F1/163—Wearable computers, e.g. on a belt
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/16—Payments settled via telecommunication systems
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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
-
- 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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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Hardware Design (AREA)
- Computer Networks & Wireless Communication (AREA)
- Human Computer Interaction (AREA)
- General Engineering & Computer Science (AREA)
- Mobile Radio Communication Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of wearable device and payment system and method for payment with the wearable device, the wearable device include：Wearable device ontology；SE modules positioned at the wearable device body interior or surface, suitable for storage public private key-pair and certification certificate, and externally provide secure cryptographic algorithm；Bluetooth module positioned at the wearable device body interior or surface, is connected with the SE modules, suitable for the SE modules and mobile terminal or other application terminal are realized wireless telecommunications.The present invention by inside the wearable device or surface set SE modules, so that the wearable device has the function of safety certification, SE modules are communicated wirelessly with mobile terminal or other application terminal by bluetooth module, have many advantages, such as that effective distance is big, safe.
Description
Technical field
The present invention relates to wearable technical field of intelligent equipment, and can with described in more particularly to a kind of wearable device
The payment system and method for payment of wearable device.
Background technology
With the development of science and technology, the wearable device with certain function to be to obtain relatively broad use, and obtain very
The favor of multi-user for example, has the function of the Intelligent bracelet of bio-signal acquisition and smartwatch, the intelligence with information storage
Bracelet and smartwatch, the Intelligent bracelet with intelligent reminding and smartwatch and the intelligent hand with mobile payment function
Ring and smartwatch etc..
It is above-mentioned that there is the wearable of payment function to set although above-mentioned intelligent apparatus has many advantages, such as to facilitate the carrying and use
It is standby be typically all based on dodge pay, the communication modes such as NFC, but the intelligent wearable device based on above-mentioned communication mode have effectively away from
From the problems such as shorter, safety is relatively low
Invention content
In view of the foregoing deficiencies of prior art, the present invention provides a kind of wearable device and wearable is set with described
Standby payment system and method for payment, for solve effective distance existing for intelligent wearable device of the prior art it is shorter,
The problem of safety is relatively low.
In order to achieve the above objects and other related objects, the present invention provides a kind of wearable device, the wearable device
Including：
Wearable device ontology；
SE modules, positioned at the wearable device body interior or surface, suitable for storage public private key-pair and certification certificate,
And externally provide secure cryptographic algorithm；
Bluetooth module positioned at the wearable device body interior or surface, is connected with the SE modules, suitable for by institute
It states SE modules and realizes wireless telecommunications with mobile terminal or other application terminal.
A kind of preferred embodiment of wearable device as the present invention, the wearable device further include power supply module, institute
It states power supply module with the SE modules and the bluetooth module to be connected, is suitable for the SE modules and the bluetooth module supplies
Electricity.
A kind of preferred embodiment of wearable device as the present invention, the power supply module are chargeable power supply module.
A kind of preferred embodiment of wearable device as the present invention, the wearable device include wrist-watch, bracelet, hand
Chain, ring or necklace.
It is described with the wearable device the present invention also provides a kind of payment system with the wearable device
Payment system includes the wearable device as described in above-mentioned either a program.
As the present invention the payment system with the wearable device a kind of preferred embodiment, it is described have described in can
The payment system of wearable device further includes：Delivery operation system and authentication center；
The delivery operation system and the wearable device and authentication center's wireless connection, suitable for initializing
The public key that the SE modules generate is uploaded to the authentication center, and the certification certificate that the authentication center is signed and issued is anti-in journey
The SE modules are fed to preserve；And the certification certificate and secure cryptographic algorithm according to SE modules preservation in payment process are complete
Encryption, decryption and the authentication operation of swap message are to complete to pay.
A kind of preferred embodiment of the payment system with the wearable device as the present invention, the delivery operation system
System is stored in the mobile terminal or other application terminal.
The present invention also provides a kind of method of payment based on the above-mentioned payment system with the wearable device, the branch
The method of paying includes the following steps：
1) wearable device, the delivery operation system and the authentication center are initialized, with generation it is public/
Private key is to, certification certificate and secure cryptographic algorithm and is stored in the SE modules of the wearable device；
2) the delivery operation system generation transaction message, the SE modules are sent to after the transaction message is encrypted；
3) the SE modules decrypt the encrypted transaction message, according to the certification certificate and secure cryptographic algorithm
The transaction message is handled to generate authentication information, and the authentication information is sent to the delivery operation system；
4) the delivery operation system is completed to pay according to the authentication information.
A kind of preferred embodiment of method of payment as the present invention, step 1) include the following steps：
1-1) the SE modules in the wearable device are built by the bluetooth module and the delivery operation system
Vertical communication port；
1-2) the SE modules carry out both sides' verification with the delivery operation system；
1-3) the SE modules generation public private key-pair, and the public key is uploaded to institute via the delivery operation system
State authentication center；
1-4) certification certificate is signed and issued according to the public key by the authentication center, and by described authentication proof Book of Records by the payment
Operating system is sent to the SE modules and is preserved.
As described above, the wearable device of the present invention and payment system and method for payment with the wearable device,
It has the advantages that：By inside the wearable device or surface set SE modules so that the wearable device
There is safety certification, SE modules are communicated wirelessly by bluetooth module with mobile terminal or other application terminal, had
The advantages that effective distance is big, safe.
Description of the drawings
Fig. 1 is shown as the block diagram of the wearable device provided in the embodiment of the present invention one.
Fig. 2 is shown as the block diagram of the payment system with the wearable device provided in the embodiment of the present invention two.
Fig. 3 is shown as the flow chart of the method for payment provided in the embodiment of the present invention three.
Component label instructions
1 wearable device
11 wearable device ontologies
12 SE modules
13 bluetooth modules
14 power supply modules
2 delivery operation systems
3 authentication centers
4 mobile terminals or other application terminal
Specific embodiment
Illustrate embodiments of the present invention below by way of specific specific example, those skilled in the art can be by this specification
Disclosed content understands other advantages and effect of the present invention easily.The present invention can also pass through in addition different specific realities
The mode of applying is embodied or practiced, the various details in this specification can also be based on different viewpoints with application, without departing from
Various modifications or alterations are carried out under the spirit of the present invention.
It please refers to Fig.1 to Fig.3.It should be noted that the diagram provided in the present embodiment only illustrates this in a schematic way
The basic conception of invention, though package count when only display is with related component in the present invention rather than according to actual implementation in diagram
Mesh, shape and size are drawn, and kenel, quantity and the ratio of each component can be a kind of random change during actual implementation, and its
Assembly layout form may also be increasingly complex.
Embodiment one
Referring to Fig. 1, the present invention provides a kind of wearable device 1, the wearable device 1 includes：Wearable device sheet
Body 11；SE modules 12, the SE modules 12 are located at 11 inside of wearable device ontology or surface, suitable for storing public/private key pair
Pair and certification certificate, and externally provide secure cryptographic algorithm；Bluetooth module 13, the bluetooth module 13 are located at described wearable set
Standby 11 inside of ontology or surface, are connected with the SE modules 12, suitable for by the SE modules 12 and mobile terminal or other should
Wireless telecommunications are realized with terminal.The wearable device 1 of the present invention passes through in 11 inside of wearable device ontology or table
Face sets the SE modules 12 so that the wearable device 1 has the function of safety certification, and the wearable device 1 can be with
Delivery operation system is used cooperatively, to improve the safety of payment；The SE modules 12 and mobile terminal or other application terminal
It is communicated wirelessly by the bluetooth module 13, has many advantages, such as that effective distance is big, safe.
As an example, the wearable device 1 further includes power supply module 14, the power supply module 14 and the SE modules 12
And the bluetooth module 13 is connected, and is suitable for the SE modules 12 and the bluetooth module 13 is powered.
As an example, the power supply module 14 can be non-rechargeabel power supply module, or chargeable power supply mould
Block, it is preferable that in the present embodiment, the power supply module 14 is chargeable power supply module.
As an example, the wearable device 1 can be wrist-watch, bracelet, bangle, ring or necklace etc..
Embodiment two
Referring to Fig. 2, the present invention also provides a kind of payment system with the wearable device as described in embodiment one, institute
It states the payment system with the wearable device and includes wearable device 1 as described in embodiment one, it is described wearable to set
Standby 1 concrete structure please refers to embodiment one, is not repeated herein.
As an example, the payment system with the wearable device further includes：In delivery operation system 2 and certification
The heart 3；The delivery operation system 2 and 3 wireless connection of the wearable device 1 and the authentication center, suitable for initializing
The public key that the SE modules 12 generate is uploaded to the authentication center 3, and the authentication proof that the authentication center 3 is signed and issued in journey
Book feeds back to the SE modules 12 and preserves；And the certification certificate and safety according to the SE modules 12 preservation in payment process are close
Code algorithm is completed to the encryption, decryption and authentication operation of transaction message to complete to pay.
As an example, as shown in Fig. 2, the delivery operation system 2 is stored in the mobile terminal or other application terminal 4
It is interior.
Specifically, the operation principle of the payment system with the wearable device is：First, it is described wearable to set
Standby 1, the delivery operation system 2 and the authentication center 3 are initialized, and the initialization procedure includes the following steps：1)
The SE modules 12 in the wearable device 1 are communicated by the bluetooth module 13 with the delivery operation system 2 foundation
Channel；2) the SE modules 12 carry out both sides' verification with the delivery operation system 2 by the proof rule made an appointment, with
Ensure that the delivery operation system 2 that only described SE modules 12 authorize can call the SE modules 12；3) the SE modules
12 generation public private key-pairs, and the public key is uploaded to the authentication center 3 via the delivery operation system 2；4) it is described to recognize
Certification certificate is signed and issued, and described authentication proof Book of Records is sent to institute by the delivery operation system 2 according to the public key in card center 3
SE modules 12 are stated to be preserved.Then, the delivery operation system 2 by the bluetooth module 13 call the SE modules 12 with
Payment is completed, is specifically comprised the following steps：1) the delivery operation system 2 generates transaction message, and the transaction message is added
The SE modules 12 are sent to after close；2) the SE modules 12 decrypt the encrypted transaction message, according to the certification
Certificate and secure cryptographic algorithm handle the transaction message to generate authentication information, and the authentication information are sent to
The delivery operation system 2；3) the delivery operation system 2 is completed to pay according to the authentication information.
Embodiment three
Incorporated by reference to Fig. 1 to Fig. 2 refering to Fig. 3, the present invention also provides a kind of described wearable based on having in embodiment two
The method of payment of the payment system of equipment, the method for payment include the following steps：
1) wearable device 1, the delivery operation system 2 and the authentication center 3 are initialized, with generation
Public private key-pair, certification certificate and secure cryptographic algorithm are simultaneously stored in the SE modules 12 of the wearable device 1；
2) the delivery operation system 2 generates transaction message, and the SE modules are sent to after the transaction message is encrypted
12；
3) the SE modules 12 decrypt the encrypted transaction message, are calculated according to the certification certificate and security password
Method handles the transaction message to generate authentication information, and the authentication information is sent to the delivery operation system
2；
4) the delivery operation system 2 is completed to pay according to the authentication information.
As an example, step 1) includes the following steps：
1-1) the SE modules 12 in the wearable device 1 pass through the bluetooth module 13 and the delivery operation system
System 2 establishes communication port；
1-2) the SE modules 12 are tested with the delivery operation system 2 by the proof rule progress both sides to have made an appointment
Card, to ensure that the delivery operation system 2 that only described SE modules 12 authorize can call the SE modules 12；
1-3) the SE modules 12 generate public private key-pair, and the public key is uploaded to via the delivery operation system 2
The authentication center 3；
1-4) certification certificate is signed and issued according to the public key by the authentication center 3, and by described authentication proof Book of Records by the branch
Operating system 2 is paid to be sent to the SE modules 12 and preserved.
In conclusion the present invention provides a kind of wearable device and the payment system with the wearable device and payment
Method, the wearable device include：Wearable device ontology；SE modules, positioned at the wearable device body interior or table
Face suitable for storage public private key-pair and certification certificate, and externally provides secure cryptographic algorithm；Bluetooth module, positioned at described wearable
Inside apparatus body or surface, is connected with the SE modules, suitable for the SE modules and mobile terminal or other application is whole
Realize wireless telecommunications in end.The present invention by inside the wearable device or surface set SE modules so that it is described wearable
Equipment has the function of safety certification, and SE modules are communicated wirelessly with mobile terminal or other application terminal by bluetooth module,
Have many advantages, such as that effective distance is big, safe.
The above-described embodiments merely illustrate the principles and effects of the present invention, and is not intended to limit the present invention.It is any ripe
The personage for knowing this technology all can carry out modifications and changes under the spirit and scope without prejudice to the present invention to above-described embodiment.Cause
This, those of ordinary skill in the art is complete without departing from disclosed spirit and institute under technological thought such as
Into all equivalent modifications or change, should by the present invention claim be covered.
Claims (9)
1. a kind of wearable device, which is characterized in that the wearable device includes：
Wearable device ontology；
SE modules, positioned at the wearable device body interior or surface, suitable for storage public private key-pair and certification certificate, and it is right
Outer offer secure cryptographic algorithm；
Bluetooth module positioned at the wearable device body interior or surface, is connected with the SE modules, suitable for by the SE
Module realizes wireless telecommunications with mobile terminal or other application terminal.
2. wearable device according to claim 1, it is characterised in that：The wearable device further includes power supply module,
The power supply module is connected with the SE modules and the bluetooth module, is suitable for the SE modules and the bluetooth module supplies
Electricity.
3. wearable device according to claim 2, it is characterised in that：The power supply module is chargeable power supply module.
4. wearable device according to claim 1, it is characterised in that：The wearable device includes wrist-watch, bracelet, hand
Chain, ring or necklace.
A kind of 5. payment system with the wearable device, which is characterized in that the branch with the wearable device
The system of paying includes：Wearable device according to any one of claims 1 to 4.
6. the payment system according to claim 5 with the wearable device, it is characterised in that：It is described have it is described
The payment system of wearable device further includes：Delivery operation system and authentication center；
The delivery operation system and the wearable device and authentication center's wireless connection, suitable in initialization procedure
The public key that the SE modules generate is uploaded to the authentication center, and the certification certificate that the authentication center signs and issues is fed back to
The SE modules preserve；And according to the certification certificate of SE modules preservation and secure cryptographic algorithm completion pair in payment process
Encryption, decryption and the authentication operation of transaction message are to complete to pay.
7. the payment system according to claim 6 with the wearable device, it is characterised in that：The delivery operation
System is stored in the mobile terminal or other application terminal.
8. a kind of method of payment based on the payment system with the wearable device as claimed in claims 6 or 7, special
Sign is that the method for payment includes the following steps：
1) wearable device, the delivery operation system and the authentication center are initialized, to generate public/private key pair
To, certification certificate and secure cryptographic algorithm and it is stored in the SE modules of the wearable device；
2) the delivery operation system generation transaction message, the SE modules are sent to after the transaction message is encrypted；
3) the SE modules decrypt the encrypted transaction message, according to the certification certificate and secure cryptographic algorithm to institute
Transaction message is stated to be handled to generate authentication information, and the authentication information is sent to the delivery operation system；
4) the delivery operation system is completed to pay according to the authentication information.
9. method of payment according to claim 8, it is characterised in that：Step 1) includes the following steps：
1-1) the SE modules in the wearable device are established logical by the bluetooth module and the delivery operation system
Believe channel；
1-2) the SE modules carry out both sides' verification with the delivery operation system；
1-3) SE modules generation public private key-pair, and the public key via the delivery operation system is uploaded to and described is recognized
Card center；
1-4) certification certificate is signed and issued according to the public key by the authentication center, and by described authentication proof Book of Records by the delivery operation
System is sent to the SE modules and is preserved.
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| CN201611110386.7A CN108154364A (en) | 2016-12-06 | 2016-12-06 | Wearable device and payment system and method for payment with the wearable device |
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| CN201611110386.7A CN108154364A (en) | 2016-12-06 | 2016-12-06 | Wearable device and payment system and method for payment with the wearable device |
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Cited By (3)
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| CN108141436A (en) * | 2015-07-10 | 2018-06-08 | 因特鲁斯特公司 | Constrained devices are registered |
| CN109299948A (en) * | 2018-09-26 | 2019-02-01 | 广东小天才科技有限公司 | A kind of red packet sending method, device, wearable device and storage medium |
| CN109508986A (en) * | 2018-12-05 | 2019-03-22 | 上海第二工业大学 | A kind of portable block chain terminal wearable device control method |
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