CN110390530A - The safe payment method and relevant apparatus of chip bank card - Google Patents
The safe payment method and relevant apparatus of chip bank card Download PDFInfo
- Publication number
- CN110390530A CN110390530A CN201910700929.8A CN201910700929A CN110390530A CN 110390530 A CN110390530 A CN 110390530A CN 201910700929 A CN201910700929 A CN 201910700929A CN 110390530 A CN110390530 A CN 110390530A
- Authority
- CN
- China
- Prior art keywords
- transaction
- bank card
- chip
- magnetic stripe
- 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.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
-
- 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
- G06Q20/409—Device specific authentication in transaction processing
Abstract
The embodiment of the present application provides the safe payment method and relevant apparatus of a kind of chip bank card, method includes: according to the transaction request between the magnetic stripe accepting terminal received and chip bank card, corresponding transaction series number is generated, and obtains corresponding equivalent magnetic track information；Corresponding transaction dynamic verification code is generated based on transaction series number and corresponding equivalent magnetic track information；The corresponding transaction series number of transaction request, equivalent magnetic track information and transaction dynamic verification code are sent to magnetic stripe accepting terminal in a manner of magnetic stripe data transmission, so that magnetic stripe accepting terminal completes the transaction between chip bank card based on the corresponding Transaction Information of transaction request of the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring.The application can also support the service handling of pure chip bank card in the case where magnetic stripe accepting terminal is not transformed, to improve bank card payment safety and convenience, and can effectively improve the widely applicable property of magnetic stripe accepting terminal.
Description
Technical field
This application involves technical field of data processing, and in particular to the safe payment method of chip bank card and related dress
It sets.
Background technique
With the further development of financial industry, bank card business is also constantly expanded, because of convenient, timely, bank card of trading
The every aspect of people's life has been deep into it, but the following card is replicated, steals brush phenomenon surge situation is also presented.In card
Piece is replicated, steals in the transaction of brush, and number big absolutely is magnetic stripe transaction.Way at home is that each issuing bank gradually will be pure at present
Magnetic stripe card is substituted for chip magnetic stripe composite card, and magnetic stripe accepting terminal all upgrades at supporting chip card to accept, and closes chip card
Degradation transaction.
In recent years, with economic rapid development, bank card has been driven to flourish in each regional, but some states
Family or more remote area, accepting terminal do not complete chip card upgrade, still only support magnetic stripe transaction, this is easy for leading to magnetic
Information is replicated to cause to steal and brush, and brings monetary losses to holder, and the fund lost also is difficult to recover, while also to hair
Card bank brings negative effect.Therefore, become a critical issue in bank card payment technology field safely with card.
Since each department upgrade the condition at chip there may be difference to bank card magnetic stripe, and it is transformed and accepts end
Hold higher cost.It is therefore more difficult to which the terminal in all areas is pushed to support chip card transaction.So, if magnetic stripe is not transformed
In the case where accepting terminal, pure chip card transaction can be also supported, this can not only reduce trade company's updating apparatus cost, also can be very big
The safety of payment of ground raising bank card.
Summary of the invention
For the problems of the prior art, the application provides the safe payment method and related dress of a kind of chip bank card
It sets, the service handling of pure chip bank card can be also supported in the case where magnetic stripe accepting terminal is not transformed, to improve silver
Row card payment safety and convenience, and the widely applicable property of magnetic stripe accepting terminal can be effectively improved.
In order to solve the above technical problems, the application the following technical schemes are provided:
In a first aspect, the application provides a kind of safe payment method of chip bank card, comprising:
According to the transaction request between the magnetic stripe accepting terminal received and chip bank card, it is corresponding to generate the transaction request
Transaction series number, and obtain corresponding equivalent magnetic track information；
Corresponding transaction dynamic verification code is generated based on the transaction series number and corresponding equivalent magnetic track information；
By the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic verification code with magnetic stripe data
The mode of transmission is sent to the magnetic stripe accepting terminal, so that the magnetic stripe accepting terminal is based on the transaction series number, equivalent magnetic track
The corresponding Transaction Information of the transaction request of information, transaction dynamic verification code and pre-acquiring is completed and the chip bank card
Between transaction.
It is further, described to obtain corresponding equivalent magnetic track information, comprising:
The equivalent magnetic track information is read in the application of preset financial security.
Further, described to be based on the transaction series number and the corresponding transaction dynamic of corresponding equivalent magnetic track information generation
Identifying code, comprising:
It is signed based on preset signature algorithm to the transaction series number and corresponding equivalent magnetic track information, generation pair
The transaction dynamic verification code answered.
Further, described to test the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic
Card code is sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission, comprising:
It is according to preset assembled format that the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction is dynamic
State identifying code is assemblied into corresponding secure payment information；
The secure payment information is sent and is sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission.
Further, the corresponding Transaction Information of the transaction request of the pre-acquiring includes: the chip bank card
Trading password and the corresponding transaction amount of the transaction request.
Second aspect, the application provide a kind of secure payment component of chip bank card, comprising:
Main control module, for generating according to the transaction request between the magnetic stripe accepting terminal received and chip bank card
The corresponding transaction series number of the transaction request, and obtain corresponding equivalent magnetic track information；
Secure payment application module, it is corresponding for being generated based on the transaction series number and corresponding equivalent magnetic track information
Transaction dynamic verification code；
Magnetic stripe safe transmission module is used for the corresponding transaction series number of the transaction request, equivalent magnetic track information and friendship
Easy dynamic verification code is sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission, so that the magnetic stripe accepting terminal is based on
The corresponding transaction of the transaction request of the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is believed
Breath completes the transaction between the chip bank card.
Further, the main control module, comprising:
Equivalent magnetic track information acquisition unit, for obtaining the secure payment application mould from the secure payment application module
Block reads the equivalent magnetic track information in the application of preset financial security.
Further, the secure payment application module includes:
Signature unit, for based on preset signature algorithm to the transaction series number and corresponding equivalent magnetic track information into
Row signature, generates the corresponding transaction dynamic verification code.
Further, the magnetic stripe safe transmission module includes:
Assembled rigid unit, for according to preset assembled format by the corresponding transaction series number of the transaction request, equivalent magnetic
Road information and transaction dynamic verification code are assemblied into corresponding secure payment information；
Transmission unit is sent to the magnetic stripe in a manner of magnetic stripe data transmission for sending the secure payment information
Accepting terminal.
Further, the corresponding Transaction Information of the transaction request of the pre-acquiring includes: the chip bank card
Trading password and the corresponding transaction amount of the transaction request.
The third aspect, the application provides a kind of electronic equipment, including memory, processor and storage are on a memory and can
The computer program run on a processor, the processor realize the safety of the chip bank card when executing described program
The step of method of payment.
Fourth aspect, the application provide a kind of computer readable storage medium, are stored thereon with computer program, the calculating
The step of safe payment method of the chip bank card is realized when machine program is executed by processor.
5th aspect, the application provide a kind of safety chip payment system, comprising: magnetic stripe accepting terminal, chip bank card
And the secure payment component；
The magnetic stripe accepting terminal is used to send the transaction for being directed to the chip bank card to the secure payment component and asks
It asks, and receives the corresponding transaction series number of the transaction request, equivalent magnetic track information and the transaction of secure payment component transmission
Dynamic verification code, with the transaction based on the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring
Corresponding Transaction Information is requested to complete the transaction between the chip bank card.
Further, further includes: security gateway；
The security gateway is used to receive the transaction system that the magnetic stripe accepting terminal application secure payment network is sent
Row number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring the corresponding Transaction Information of the transaction request.
Further, further includes: payment application server；
The payment application server is used to receive the transaction series number, the equivalent magnetic track letter that the security gateway is sent
The corresponding Transaction Information of the transaction request of breath, transaction dynamic verification code and pre-acquiring；Based on preset data format solution
Analyse the transaction series number, equivalent magnetic track information, transaction dynamic verification code and corresponding Transaction Information；And apply preset verification
Algorithm verifies the transaction dynamic verification code, if the verification passes through, verifies to the Transaction Information, and at this
The transaction between the magnetic stripe accepting terminal and chip bank card is completed after being verified；Then corresponding transaction results are sent
To the magnetic stripe accepting terminal.
6th aspect, the application provide a kind of chip bank card, which is equipped with the chip bank card
Secure payment component.
7th aspect, the application provide a kind of safety chip payment mechanism, which is equipped with described
Chip bank card secure payment component.
As shown from the above technical solution, a kind of safe payment method of chip bank card provided by the present application and related dress
It sets, method includes: to generate corresponding transaction according to the transaction request between the magnetic stripe accepting terminal received and chip bank card
Series number, and obtain corresponding equivalent magnetic track information；It is generated based on transaction series number and corresponding equivalent magnetic track information corresponding
Transaction dynamic verification code；By the corresponding transaction series number of transaction request, equivalent magnetic track information and transaction dynamic verification code with magnetic stripe
The mode of data transmission is sent to magnetic stripe accepting terminal, so that magnetic stripe accepting terminal is based on the transaction series number, equivalent magnetic track is believed
The corresponding Transaction Information of the transaction request of breath, transaction dynamic verification code and pre-acquiring completes the friendship between chip bank card
Easily, magnetic stripe accepting terminal is enabled to pure chip card can also to be supported to accept without carrying out upgrading, can be significantly reduced by
Terminal device hardware upgrade cost is managed, by safety chip according to specific signature algorithm to the transaction sequence in process of exchange
Number, equivalent magnetic track information sign, generate transaction dynamic verification code trade, the payment application server on backstage is according to spy
Fixed algorithm checkout transaction dynamic verification code, to prevent card image to be replicated, steal the risk of brush；Bank card is accepted in magnetic stripe
When terminal transaction, without carrying out brush magnetic transaction, only by non-receivings reason, the processing speed of transaction is greatly improved, to holding
People brings convenient, that is to say, that can also support the industry of pure chip bank card in the case where magnetic stripe accepting terminal is not transformed
Business is accepted, to improve bank card payment safety and convenience, and can effectively improve the widely applicable of magnetic stripe accepting terminal
Property.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is the application
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 is the flow diagram of the safe payment method of the chip bank card in the embodiment of the present application.
Fig. 2 is the flow diagram of step 300 in the safe payment method of the chip bank card in the embodiment of the present application.
Fig. 3 is the structural schematic diagram of the secure payment component of the chip bank card in the embodiment of the present application.
Fig. 4 is the structural schematic diagram of the electronic equipment in the embodiment of the present application.
Fig. 5 is the structural schematic diagram of the safety chip payment system in the application specific application example.
Fig. 6 is the structural schematic diagram of the safety chip payment mechanism of the card-like in the application specific application example.
Fig. 7 is the structural schematic diagram of the safety chip payment mechanism of the hexagram in the application specific application example.
Fig. 8 is the schematic diagram of internal structure of the safety chip payment mechanism in the application specific application example.
Fig. 9 is the corresponding Zhi Fuyu transaction flow of safe payment method of the chip bank card in the application specific application example
Journey schematic diagram.
Specific embodiment
To keep the purposes, technical schemes and advantages of the embodiment of the present application clearer, below in conjunction with the embodiment of the present application
In attached drawing, technical solutions in the embodiments of the present application carries out clear, complete description, it is clear that described embodiment is
Some embodiments of the present application, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art
Every other embodiment obtained without creative efforts, shall fall in the protection scope of this application.
In view of each department upgrade the condition at chip there may be difference to bank card magnetic stripe, and it is transformed and accepts
Terminal higher cost.It is therefore more difficult to the problem of pushing the terminal in all areas to support chip card transaction.If magnetic is not transformed
In the case where accepting terminal, pure chip card transaction can be also supported, this can not only reduce trade company's updating apparatus cost, also can pole
The earth improves the safety of payment of bank card.Therefore, the application provides a kind of safe payment method of chip bank card, chip bank
Secure payment component, electronic equipment, computer readable storage medium, safety chip payment system, chip bank card and the peace of card
Full chip payment device, by the way that according to the transaction request between the magnetic stripe accepting terminal received and chip bank card, generating should
The corresponding transaction series number of transaction request, and obtain corresponding equivalent magnetic track information；Based on the transaction series number and corresponding
Equivalent magnetic track information generates corresponding transaction dynamic verification code；By the corresponding transaction series number of the transaction request, equivalent magnetic track
Information and transaction dynamic verification code are sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission, so that the magnetic stripe is accepted
The transaction request of the terminal based on the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is corresponding
Transaction Information complete and the chip bank card between transaction, enable to magnetic stripe accepting terminal without carry out upgrading change
It makes, pure chip card can also be supported to accept, accepting terminal device hardware upgrade cost can be significantly reduced, pass through safety chip root
It signs according to specific signature algorithm to the transaction sequence number in process of exchange, equivalent magnetic track information, generates transaction dynamic and test
Card code is traded, and the payment application server on backstage is according to specific algorithm checkout transaction dynamic verification code, to prevent card
Piece information is replicated, steals the risk of brush；Bank card is when magnetic stripe accepting terminal is traded, without carrying out brush magnetic transaction, only by non-
Receive reason, the processing speed of transaction is greatly improved, it is convenient to bring to holder, that is to say, that magnetic stripe can not be transformed
In the case where accepting terminal, the service handling of pure chip bank card can be also supported, to improve bank card payment safety and just
Victory, and the widely applicable property of magnetic stripe accepting terminal can be effectively improved.
Based on above content, the application proposes a kind of secure payment mode of novel chip bank card, and magnetic be not transformed
In the case where accepting terminal, accepting for pure chip card can be also supported, to improve bank card safety of payment.
Present applicant proposes a kind of secure payment component of chip bank card, the secure payment component of the chip bank card has
The payment mechanism of the modules such as main control chip, secure payment application chip, magnetic stripe safe transmission chip, power supply composition.Chip bank
The secure payment component of card loads financial security application by issued by banks, and the magnetic track equivalent information of holder is written, finance peace
Full application and magnetic track equivalent information are stored in secure payment application chip.
S1: when carrying out magnetic stripe transaction, main control chip generates transaction sequence number, reads magnetic track etc. from financial security application
Data are imitated, transaction sequence number and magnetic track equivalent information are sent to secure payment application chip.
S2: secure payment application chip generates transaction dynamic verification code according to specific signature algorithm, returns to master control core
Piece.
S3: main control chip is according to specific format assembly transaction sequence number, magnetic track equivalent information and transaction dynamic verification code
It is sent to magnetic stripe safe transmission chip.
Magnetic stripe safe transmission module sends above-mentioned Transaction Information and magnetic stripe accepting terminal is waited to read.
Magnetic stripe accepting terminal reads the transaction of transaction series number, magnetic track equivalent information and transaction dynamic verification code and user
The information such as password, transaction amount are sent to security gateway by secure payment network.
Security gateway transmitted transaction information to payment application server.
Payment application server parses Transaction Information according to the data format arranged in advance, obtains transaction series number, magnetic track
The information such as equivalent information, transaction dynamic verification code, trading password and transaction amount are tested according to specific algorithm checkout transaction dynamic
Code is demonstrate,proved, decides whether to trade, if the verification passes, then the verifying such as carry out password authentification and transaction amount.It will finally hand over
Easy verification result original link returns to magnetic stripe accepting terminal.
In order to can also support the service handling of pure chip bank card in the case where magnetic stripe accepting terminal is not transformed,
To improve bank card payment safety and convenience, and the widely applicable property of magnetic stripe accepting terminal, this Shen can be effectively improved
A kind of implementation of the safe payment method of the chip bank card for the secure payment component that executing subject is chip bank card please be provided
Example, referring to Fig. 1, the safe payment method of the chip bank card specifically includes following content:
Step 100: according to the transaction request between the magnetic stripe accepting terminal received and chip bank card, generating the transaction
Corresponding transaction series number is requested, and obtains corresponding equivalent magnetic track information.
In step 100, the process for obtaining corresponding equivalent magnetic track information specifically: answered in preset financial security
The equivalent magnetic track information is read with middle.
Step 200: corresponding transaction dynamic authentication is generated based on the transaction series number and corresponding equivalent magnetic track information
Code.
It is understood that the secure payment component that the step 200 is specially chip bank card is based on preset signature
Algorithm signs to the transaction series number and corresponding equivalent magnetic track information, generates the corresponding transaction dynamic authentication
Code.
Step 300: by the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic verification code with
Magnetic stripe data transmission mode be sent to the magnetic stripe accepting terminal so that the magnetic stripe accepting terminal be based on the transaction series number,
The corresponding Transaction Information of the transaction request of equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is completed and the core
Transaction between piece bank card.
It is understood that in step 300 in a manner of magnetic stripe data transmission by the corresponding transaction of the transaction request
The concrete mode that series number, equivalent magnetic track information and transaction dynamic verification code are sent to the magnetic stripe accepting terminal can be with are as follows: sets
Setting the magnetic stripe safe transmission module in secure payment component can be used existing magnetic force secure transmission technique manipulation magnetic field, by institute
State the corresponding transaction series number of transaction request, equivalent magnetic track information and the transaction data such as dynamic verification code be sent to the magnetic stripe by
Manage terminal.
In a kind of concrete example of step 300, referring to fig. 2, the step 300 specifically includes following content:
Step 301: according to preset assembled format by the corresponding transaction series number of the transaction request, equivalent magnetic track information
Corresponding secure payment information is assemblied into transaction dynamic verification code.
Step 302: secure payment information transmission being sent to the magnetic stripe in a manner of magnetic stripe data transmission and is accepted
Terminal.
It is understood that the corresponding Transaction Information of the transaction request of the pre-acquiring includes: the chip silver
The trading password and the corresponding transaction amount of the transaction request of row card.
For software view, in order in the case where magnetic stripe accepting terminal is not transformed, can also support pure chip silver
The service handling of row card, to improve bank card payment safety and convenience, and can effectively improve magnetic stripe accepting terminal
Widely applicable property, the application provide a kind of a kind of chip bank card of safe payment method for realizing the chip bank card
Secure payment component embodiment, referring to Fig. 3, the secure payment component of the chip bank card specifically includes in following
Hold:
Main control module 1, for generating according to the transaction request between the magnetic stripe accepting terminal received and chip bank card
The corresponding transaction series number of the transaction request, and obtain corresponding equivalent magnetic track information；
Secure payment application module 2, for generating and corresponding to based on the transaction series number and corresponding equivalent magnetic track information
Transaction dynamic verification code；
Magnetic stripe safe transmission module 3 is used for the corresponding transaction series number of the transaction request, equivalent magnetic track information and friendship
Easy dynamic verification code is sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission, so that the magnetic stripe accepting terminal is based on
The corresponding transaction of the transaction request of the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is believed
Breath completes the transaction between the chip bank card.
Wherein, the main control module 1 specifically includes:
Equivalent magnetic track information acquisition unit, for obtaining the secure payment application mould from the secure payment application module
Block reads the equivalent magnetic track information in the application of preset financial security.
The secure payment application module 2 specifically includes:
Signature unit, for based on preset signature algorithm to the transaction series number and corresponding equivalent magnetic track information into
Row signature, generates the corresponding transaction dynamic verification code.
The magnetic stripe safe transmission module 3 specifically includes:
Assembled rigid unit, for according to preset assembled format by the corresponding transaction series number of the transaction request, equivalent magnetic
Road information and transaction dynamic verification code are assemblied into corresponding secure payment information.
Transmission unit is sent to the magnetic stripe in a manner of magnetic stripe data transmission for sending the secure payment information
Accepting terminal.
It is understood that the corresponding Transaction Information of the transaction request of the pre-acquiring includes: the chip silver
The trading password and the corresponding transaction amount of the transaction request of row card.
As can be seen from the above description, the secure payment component of chip bank card provided by the embodiments of the present application, enables to magnetic
Accepting terminal can also support pure chip card to accept, it is hard that accepting terminal equipment can be significantly reduced without carrying out upgrading
Part upgrade cost believes the transaction sequence number in process of exchange, equivalent magnetic track according to specific signature algorithm by safety chip
Breath is signed, and is generated transaction dynamic verification code and is traded, the payment application server on backstage is verified according to specific algorithm
Transaction dynamic verification code, to prevent card image to be replicated, steal the risk of brush；Bank card magnetic stripe accepting terminal trade when,
Without carrying out brush magnetic transaction, is only managed by non-receiving, the processing speed of transaction is greatly improved, it is convenient to bring to holder,
I.e. it is capable to the service handling of pure chip bank card can be also supported in the case where magnetic stripe accepting terminal is not transformed, thus
Bank card payment safety and convenience are improved, and the widely applicable property of magnetic stripe accepting terminal can be effectively improved.
For hardware view, in order in the case where magnetic stripe accepting terminal is not transformed, can also support pure chip silver
The service handling of row card, to improve bank card payment safety and convenience, and can effectively improve magnetic stripe accepting terminal
Widely applicable property, the application are provided in all or part in a kind of safe payment method for realizing the chip bank card
The embodiment of the electronic equipment of appearance, the electronic equipment specifically includes following content:
Processor (processor), memory (memory), communication interface (Communications Interface) and
Bus；Wherein, the processor, memory, communication interface complete mutual communication by the bus；The communication interface
Information between the relevant devices such as secure payment component, types of databases and user terminal for realizing chip bank card passes
It is defeated；The electronic equipment can be desktop computer, tablet computer and mobile terminal etc., and the present embodiment is without being limited thereto.In this implementation
In example, which is referred to the embodiment of the safe payment method of the chip bank card in embodiment, and, chip silver
The embodiment of the secure payment component of row card is implemented, and content is incorporated in this, and overlaps will not be repeated.
Fig. 4 is the schematic block diagram that the system of the electronic equipment 9600 of the embodiment of the present application is constituted.As shown in figure 4, the electronics
Equipment 9600 may include central processing unit 9100 and memory 9140；Memory 9140 is coupled to central processing unit 9100.Value
It obtains it is noted that the Fig. 4 is exemplary；Other kinds of structure can also be used, to supplement or replace the structure, to realize
Telecommunications functions or other function.
In one embodiment, the secure payment function of chip bank card can be integrated into central processing unit 9100.Wherein,
It is control as follows that central processing unit 9100 can be configured as progress:
Step 100: according to the transaction request between the magnetic stripe accepting terminal received and chip bank card, generating the transaction
Corresponding transaction series number is requested, and obtains corresponding equivalent magnetic track information.
In step 100, the process for obtaining corresponding equivalent magnetic track information specifically: answered in preset financial security
The equivalent magnetic track information is read with middle.
Step 200: corresponding transaction dynamic authentication is generated based on the transaction series number and corresponding equivalent magnetic track information
Code.
It is understood that the secure payment component that the step 200 is specially chip bank card is based on preset signature
Algorithm signs to the transaction series number and corresponding equivalent magnetic track information, generates the corresponding transaction dynamic authentication
Code.
Step 300: by the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic verification code with
Magnetic stripe data transmission mode be sent to the magnetic stripe accepting terminal so that the magnetic stripe accepting terminal be based on the transaction series number,
The corresponding Transaction Information of the transaction request of equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is completed and the core
Transaction between piece bank card.
As can be seen from the above description, electronic equipment provided by the embodiments of the present application, enable to magnetic stripe accepting terminal be not necessarily into
Row upgrading can also support pure chip card to accept, and accepting terminal device hardware upgrade cost can be significantly reduced, pass through peace
Full chip signs to the transaction sequence number in process of exchange, equivalent magnetic track information according to specific signature algorithm, generates and hands over
Easy dynamic verification code is traded, the payment application server on backstage according to specific algorithm checkout transaction dynamic verification code, from
And it prevents card image to be replicated, steal the risk of brush；Bank card is when magnetic stripe accepting terminal is traded, without carrying out brush magnetic transaction,
It is only managed by non-receiving, the processing speed of transaction is greatly improved, it is convenient to bring to holder, that is to say, that can be not
In the case where magnetic stripe accepting terminal is transformed, the service handling of pure chip bank card can be also supported, to improve bank card payment peace
Full property and convenience, and the widely applicable property of magnetic stripe accepting terminal can be effectively improved.
The group risk of group customer, and avoid enclosing mark or string mark phenomenon between supplier.
In another embodiment, the secure payment component of chip bank card can separately match with central processing unit 9100
It sets, such as the chip connecting with central processing unit 9100 can be configured by the secure payment of chip bank card, pass through centre
The secure payment function of controlling to realize chip bank card of reason device.
As shown in figure 4, the electronic equipment 9600 can also include: communication module 9110, input unit 9120, audio processing
Device 9130, display 9160, power supply 9170.It is worth noting that, electronic equipment 9600 is also not necessary to include institute in Fig. 4
All components shown；In addition, electronic equipment 9600 can also include the component being not shown in Fig. 4, the prior art can be referred to.
As shown in figure 4, central processing unit 9100 be otherwise referred to as controller or operational controls, may include microprocessor or
Other processor devices and/or logic device, the central processing unit 9100 receive input and controlling electronic devices 9600 it is each
The operation of component.
Wherein, memory 9140, such as can be buffer, flash memory, hard disk driver, removable medium, volatile memory, non-
One of volatile memory or other appropriate devices or more.Above-mentioned information related with failure can be stored, additionally
The program executed for information about can be stored.And the program of the memory 9140 storage can be performed in central processing unit 9100, with
Realize information storage or processing etc..
Input unit 9120 provides input to central processing unit 9100.The input unit 9120 is, for example, key or touches defeated
Enter device.Power supply 9170 is used to provide electric power to electronic equipment 9600.Display 9160 is for carrying out the display such as image and text
The display of object.The display may be, for example, LCD display, and but it is not limited to this.
The memory 9140 can be solid-state memory, for example, read-only memory (ROM), random access memory
(RAM), SIM card etc..The memory that may also is that, saves information when power is off, can be selectively erased
And more data are equipped with, the example of the memory is sometimes referred to as EPROM etc..Memory 9140 can also be some other type
Device.Memory 9140 includes buffer storage 9141 (sometimes referred to as buffer).Memory 9140 may include using/
Function storage unit 9142, the applications/functions storage unit 9142 is for storing application program and function program or for passing through center
Processor 9100 executes the process of the operation of electronic equipment 9600.
Memory 9140 can also include data store 9143, the data store 9143 for storing data, such as
Contact person, numerical data, picture, sound and/or any other data used by electronic equipment.The driving journey of memory 9140
Sequence storage unit 9144 may include electronic equipment for communication function and/or other function for executing electronic equipment (such as
Messaging application, address list application etc.) various drivers.
Communication module 9110 is the transmitter receiver 9110 sent and received signal via antenna 9111.Communicate mould
Block (transmitter receiver) 9110 is coupled to central processing unit 9100, and to provide input signal and receive output signal, this can be with
The case where with normal mobile communication terminal, is identical.
Based on the different communication technologys, in same electronic equipment, multiple communication modules 9110 can be set, such as honeycomb
Network module, bluetooth module and/or Wireless LAN module etc..Communication module (transmitter receiver) 9110 is also via audio
Processor 9130 is coupled to loudspeaker 9131 and microphone 9132, to provide audio output via loudspeaker 9131, and receives and
From the audio input of microphone 9132, to realize common telecommunications functions.Audio processor 9130 may include any suitable
Buffer, decoder, amplifier etc..In addition, audio processor 9130 is additionally coupled to central processing unit 9100, so that can
Can record in the machine by microphone 9132, and allow to play the sound stored in the machine by loudspeaker 9131
Sound.
It is server or client that embodiments herein, which also provides and can be realized the executing subject in above-described embodiment,
A kind of computer readable storage medium of Overall Steps in the safe payment method of chip bank card, the computer-readable storage
Computer program is stored on medium, which realizes that the executing subject in above-described embodiment is when being executed by processor
The Overall Steps of the safe payment method of the chip bank card of server or client, for example, the processor executes the meter
Following step is realized when calculation machine program:
Step 100: according to the transaction request between the magnetic stripe accepting terminal received and chip bank card, generating the transaction
Corresponding transaction series number is requested, and obtains corresponding equivalent magnetic track information.
In step 100, the process for obtaining corresponding equivalent magnetic track information specifically: answered in preset financial security
The equivalent magnetic track information is read with middle.
Step 200: corresponding transaction dynamic authentication is generated based on the transaction series number and corresponding equivalent magnetic track information
Code.
It is understood that the secure payment component that the step 200 is specially chip bank card is based on preset signature
Algorithm signs to the transaction series number and corresponding equivalent magnetic track information, generates the corresponding transaction dynamic authentication
Code.
Step 300: by the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic verification code with
Magnetic stripe data transmission mode be sent to the magnetic stripe accepting terminal so that the magnetic stripe accepting terminal be based on the transaction series number,
The corresponding Transaction Information of the transaction request of equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is completed and the core
Transaction between piece bank card.
As can be seen from the above description, computer readable storage medium provided by the embodiments of the present application, enables to magnetic stripe to accept
Terminal can also support pure chip card to accept, the upgrading of accepting terminal device hardware can be significantly reduced without carrying out upgrading
Cost carries out the transaction sequence number in process of exchange, equivalent magnetic track information according to specific signature algorithm by safety chip
Signature generates transaction dynamic verification code and trades, and the payment application server on backstage is dynamic according to specific algorithm checkout transaction
State identifying code, to prevent card image to be replicated, steal the risk of brush；Bank card magnetic stripe accepting terminal trade when, without into
The transaction of row brush magnetic, is only managed by non-receiving, the processing speed of transaction is greatly improved, and it is convenient to bring to holder, that is,
It says, the service handling of pure chip bank card can be also supported in the case where magnetic stripe accepting terminal is not transformed, to improve silver
Row card payment safety and convenience, and the widely applicable property of magnetic stripe accepting terminal can be effectively improved.
Based on above content, it specifically includes magnetic stripe that the application, which also provides a kind of embodiment of safety chip payment system,
The secure payment component of accepting terminal, chip bank card and safety chip payment system above-mentioned；The magnetic stripe accepting terminal
For sending the transaction request for being directed to the chip bank card to the secure payment component, and receive secure payment component hair
The corresponding transaction series number of the transaction request sent, equivalent magnetic track information and transaction dynamic verification code, to be based on the transaction system
Row number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring the corresponding Transaction Information of the transaction request complete with
Transaction between the chip bank card.
In addition, the safety chip payment system also specifically includes:
(1) security gateway: the security gateway is sent for receiving the magnetic stripe accepting terminal application secure payment network
The transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring the corresponding friendship of the transaction request
Easy information.
(2) pay application server: the payment application server is used to receive the friendship that the security gateway is sent
The easily corresponding Transaction Information of the transaction request of series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring；Base
The transaction series number, equivalent magnetic track information, transaction dynamic verification code and corresponding transaction letter are parsed in preset data format
Breath；And the transaction dynamic verification code is verified using preset checking algorithm, if the verification passes through, to the transaction
Information is verified, and the transaction between the magnetic stripe accepting terminal and chip bank card is completed after this is verified；Then
Corresponding transaction results are sent to the magnetic stripe accepting terminal.
Based on above content, the secure payment component of the chip bank card is specifically as follows to be integrated into a kind of chip silver
The form of row card or safety chip payment mechanism is presented.
For further instruction this programme, the application also provides a kind of the specific of the safe payment method of chip bank card
Application example specifically includes following content:
Safety chip payment system as shown in Figure 5 includes safety chip payment mechanism 11, magnetic stripe accepting terminal 12, safety
Gateway 13, payment application server 14.Safety chip payment mechanism 11 is based on magnetic strength effect and magnetic stripe accepting terminal communicates, magnetic stripe
Accepting terminal 12 is communicated with security gateway 13 by internet, and security gateway 13 and payment application server 14 pass through local
Net is communicated.
The form of safety chip payment mechanism 11 can be card and be also possible to equipment, and card can be conventional cards can also
To be special-shaped card, but must built-in magnetic stripe safe transmission module, power supply, secure payment application chip.
It generates transaction sequence number by built-in main control chip 111, what reading secure payment application chip 112 stored etc.
Magnetic track information is imitated, and transaction sequence number, magnetic track equivalent information are sent to secure payment application chip 112, secure payment application
Chip 112 generates dynamic verification code, returns to main control chip 111.Main control chip 111 is by transaction sequence number, magnetic track equivalent information
Magnetic stripe safe transmission chip 113 is sent to dynamic verification code.
Magnetic stripe safe transmission chip 113 sends above-mentioned Transaction Information, and magnetic stripe accepting terminal 12 is waited to read.
Magnetic stripe accepting terminal 12 reads the Transaction Information of magnetic stripe safe transmission chip 113, and magnetic stripe accepting terminal 12 is according to spy
(amount of money, exchange hour, order number, trade company number, transaction sequence number, magnetic track are equivalent for fixed transaction message format assembly Transaction Information
Information, dynamic verification code etc.) security gateway 13 is sent to by internet.
Security gateway 13 passes through local area network transmitted transaction information to payment application server 14
Payment application server 14 parses Transaction Information according to the data format arranged in advance, obtains transaction series number, magnetic
The information such as road equivalent information, transaction dynamic verification code, trading password and transaction amount, according to specific algorithm checkout transaction dynamic
Identifying code decides whether to trade, if the verification passes, then the verifying such as carry out password authentification and transaction amount.Finally will
Transaction verification result original link returns to magnetic stripe accepting terminal 12.
As shown in fig. 6, the appearance composition of safety chip payment mechanism 11 can be card-like.
As shown in fig. 7, the appearance composition of safety chip payment mechanism 11 can also be a kind of profiled shape, such as Magen David
Shape.
As shown in figure 8, magnetic stripe safe transmission chip 113, power supply, secure payment application built in safety chip payment mechanism 11
Chip 112 and active chip 111.It is understood that Vcc is writing a Chinese character in simplified form for Volt Current Condenser, electricity is meant
The supply voltage on road, supply voltage (bipolar device)；Supply voltage (74 series digit circuit)；Acoustic control carrier wave (Voice
Controlled Carrier)；Firewire.GND is writing a Chinese character in simplified form for electric wire ground terminal.Represent ground wire or 0 line.This ground is not real
Ground in meaning is the ground assumed for application, and for power supply, it is exactly the cathode of a power supply.It is therein
Each a1 to a4, b1 to b4 respectively represent different ports.
The main control chip 111 is the chief component of the entire product operation of control, it can be by program code conversion
For the control instruction that electrical control gear can identify, to drive and control the operation of each operational module of entire product.
Possess independent processor and storage unit inside the secure payment application chip 112, payment can be applied
Information (magnetic track equivalent data) and user information are stored in internal security storage region, and data can be carried out encryption and decryption and
Operations, the safeties such as signature reach financial level safety chip rank.
The magnetic stripe safe transmission chip 113 can send the reading that transaction data waits magnetic stripe accepting terminal 12.
As shown in figure 9, a kind of corresponding Zhi Fuyu of safe payment method for novel chip bank card that the application proposes
Transaction flow specifically includes following content:
Step 41: main control chip 111 generates transaction series number, and reads equivalent inside secure payment application chip 112
Magnetic track information；
Step 42: transaction sequence number, equivalent magnetic track information are sent to secure payment according to certain rule by main control chip 111
Application chip 112；
Step 43: secure payment application chip 112 signs transaction sequence number, equivalent magnetic track information using specific algorithm
Name generates transaction dynamic verification code.Return to main control chip 111；
Step 44: assembly trades series number, equivalent magnetic track information, transaction dynamically to main control chip 111 in particular order
The information such as identifying code are sent to magnetic stripe safe transmission chip 113；
Step 45: the information that magnetic stripe safe transmission chip 113 receives step 44 is sent to magnetic stripe accepting terminal 12；
Step 46: magnetic stripe accepting terminal 12 is according to specific transaction message format assembly Transaction Information (when the amount of money, transaction
Between, order number, trade company number, transaction sequence number, magnetic track equivalent information, dynamic verification code etc.), will be needed by secure payment network
The data of certification are sent to payment application server 14 after the filtering of security gateway 13；
Step 47: payment application server 14 parses Transaction Information according to the data format arranged in advance, obtains transaction system
Row number, the information such as magnetic track equivalent information, transaction dynamic verification code, trading password and transaction amount, and according to specific algorithm school
Test transaction dynamic verification code；
Step 48: payment application server 14 judges whether transaction dynamic authentication code check passes through, if passed through, executes
Step 49；Conversely, terminating；
Step 49: payment application server 14 handles the transaction data such as trading password, transaction amount, and will processing
Result afterwards returns to magnetic stripe accepting terminal.
As can be seen from the above description, the safe payment method of chip bank card provided by the embodiments of the present application, can be bank
Card payment brings following aspect to be promoted:
1. magnetic stripe accepting terminal without carrying out upgrading, can also support pure chip card to accept, can be significantly reduced by
Manage terminal device hardware upgrade cost.
2. safety chip can according to specific signature algorithm in process of exchange transaction sequence number, equivalent magnetic track information into
Row signature generates transaction dynamic verification code and trades, and the payment application server on backstage is according to specific algorithm checkout transaction
Dynamic verification code improves safety of payment to prevent card image to be replicated, steal the risk of brush.
3. bank card is when magnetic stripe accepting terminal is traded, without carrying out brush magnetic transaction, only managed by non-receiving, greatly
The processing speed of transaction is improved, it is convenient to bring to holder.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, apparatus or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (device) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Specific embodiment is applied in the present invention, and principle and implementation of the present invention are described, above embodiments
Explanation be merely used to help understand method and its core concept of the invention；At the same time, for those skilled in the art,
According to the thought of the present invention, there will be changes in the specific implementation manner and application range, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Claims (17)
1. a kind of safe payment method of chip bank card characterized by comprising
According to the transaction request between the magnetic stripe accepting terminal received and chip bank card, the corresponding friendship of the transaction request is generated
Easy series number, and obtain corresponding equivalent magnetic track information；
Corresponding transaction dynamic verification code is generated based on the transaction series number and corresponding equivalent magnetic track information；
The corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic verification code are transmitted with magnetic stripe data
Mode be sent to the magnetic stripe accepting terminal so that the magnetic stripe accepting terminal be based on the transaction series number, equivalent magnetic track information,
It trades between dynamic verification code and the corresponding Transaction Information completion of the transaction request and the chip bank card of pre-acquiring
Transaction.
2. the safe payment method of chip bank card according to claim 1, which is characterized in that it is described obtain it is corresponding etc.
Imitate magnetic track information, comprising:
The equivalent magnetic track information is read in the application of preset financial security.
3. the safe payment method of chip bank card according to claim 1, which is characterized in that described to be based on the transaction
Series number and corresponding equivalent magnetic track information generate corresponding transaction dynamic verification code, comprising:
It is signed, is generated corresponding to the transaction series number and corresponding equivalent magnetic track information based on preset signature algorithm
The transaction dynamic verification code.
4. the safe payment method of chip bank card according to claim 1, which is characterized in that described to ask the transaction
Corresponding transaction series number, equivalent magnetic track information and transaction dynamic verification code is asked to be sent in a manner of magnetic stripe data transmission described
Magnetic stripe accepting terminal, comprising:
The corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction dynamic are tested according to preset assembled format
Card code is assemblied into corresponding secure payment information；
The secure payment information is sent and is sent to the magnetic stripe accepting terminal in a manner of magnetic stripe data transmission.
5. the safe payment method of chip bank card according to any one of claims 1 to 4, which is characterized in that described pre-
The corresponding Transaction Information of the transaction request obtained includes: the trading password of the chip bank card and the transaction request
Corresponding transaction amount.
6. a kind of secure payment component of chip bank card characterized by comprising
Main control module, for generating the friendship according to the transaction request between the magnetic stripe accepting terminal received and chip bank card
Corresponding transaction series number is easily requested, and obtains corresponding equivalent magnetic track information；
Secure payment application module, for generating corresponding transaction based on the transaction series number and corresponding equivalent magnetic track information
Dynamic verification code；
Magnetic stripe safe transmission module, for the corresponding transaction series number of the transaction request, equivalent magnetic track information and transaction is dynamic
State identifying code is sent to the magnetic stripe accepting terminal in such a way that magnetic stripe data is transmitted, so that the magnetic stripe accepting terminal is based on the friendship
The corresponding Transaction Information of the transaction request of easily series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring is complete
At the transaction between the chip bank card.
7. the secure payment component of chip bank card according to claim 6, which is characterized in that the main control module, packet
It includes:
Equivalent magnetic track information acquisition unit exists for obtaining the secure payment application module from the secure payment application module
The equivalent magnetic track information is read in preset financial security application.
8. the secure payment component of chip bank card according to claim 6, which is characterized in that the secure payment application
Module includes:
Signature unit, for being signed based on preset signature algorithm to the transaction series number and corresponding equivalent magnetic track information
Name generates the corresponding transaction dynamic verification code.
9. the secure payment component of chip bank card according to claim 6, which is characterized in that the magnetic stripe safe transmission
Module includes:
Assembled rigid unit, for being believed the corresponding transaction series number of the transaction request, equivalent magnetic track according to preset assembled format
Breath and transaction dynamic verification code are assemblied into corresponding secure payment information；
Transmission unit is accepted for secure payment information transmission to be sent to the magnetic stripe in a manner of magnetic stripe data transmission
Terminal.
10. according to the secure payment component of the described in any item chip bank cards of claim 6 to 9, which is characterized in that described pre-
The corresponding Transaction Information of the transaction request obtained includes: the trading password of the chip bank card and the transaction request
Corresponding transaction amount.
11. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes chip silver described in any one of claim 1 to 5 when executing described program
The step of safe payment method of row card.
12. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
The step of processor realizes the safe payment method of chip bank card described in any one of claim 1 to 5 when executing.
13. a kind of safety chip payment system characterized by comprising magnetic stripe accepting terminal, chip bank card and such as right
It is required that 6 to 10 described in any item secure payment components；
The magnetic stripe accepting terminal is used to send the transaction request for being directed to the chip bank card to the secure payment component, and
The corresponding transaction series number of the transaction request, equivalent magnetic track information and the transaction dynamic for receiving secure payment component transmission are tested
Code is demonstrate,proved, with the transaction request pair based on the transaction series number, equivalent magnetic track information, transaction dynamic verification code and pre-acquiring
The Transaction Information answered completes the transaction between the chip bank card.
14. safety chip payment system according to claim 13, which is characterized in that further include: security gateway；
The security gateway be used to receive magnetic stripe accepting terminal application secure payment network transmission the transaction series number,
The corresponding Transaction Information of the transaction request of equivalent magnetic track information, transaction dynamic verification code and pre-acquiring.
15. safety chip payment system according to claim 14, which is characterized in that further include: payment application server；
The payment application server be used to receive the transaction series number that the security gateway sends, equivalent magnetic track information,
The corresponding Transaction Information of the transaction request for dynamic verification code and the pre-acquiring of trading；Institute is parsed based on preset data format
State transaction series number, equivalent magnetic track information, transaction dynamic verification code and corresponding Transaction Information；And apply preset checking algorithm
The transaction dynamic verification code is verified, if the verification passes through, the Transaction Information is verified, and in the verifying
Pass through the rear transaction completed between the magnetic stripe accepting terminal and chip bank card；Corresponding transaction results are then sent to institute
State magnetic stripe accepting terminal.
16. a kind of chip bank card, which is characterized in that the chip bank card is equipped with as described in any one of claim 6 to 10
Chip bank card secure payment component.
17. a kind of safety chip payment mechanism, which is characterized in that the safety chip payment mechanism be equipped with as claim 6 to
The secure payment component of 10 described in any item chip bank cards.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910700929.8A CN110390530A (en) | 2019-07-31 | 2019-07-31 | The safe payment method and relevant apparatus of chip bank card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910700929.8A CN110390530A (en) | 2019-07-31 | 2019-07-31 | The safe payment method and relevant apparatus of chip bank card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110390530A true CN110390530A (en) | 2019-10-29 |
Family
ID=68288188
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910700929.8A Pending CN110390530A (en) | 2019-07-31 | 2019-07-31 | The safe payment method and relevant apparatus of chip bank card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110390530A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114296625A (en) * | 2021-12-28 | 2022-04-08 | 深圳市百富智能新技术有限公司 | Data input method and device, double-chip sales terminal and storage medium |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102160061A (en) * | 2008-08-20 | 2011-08-17 | X卡控股有限公司 | Secure smart card system |
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | 中国银联股份有限公司 | Bank card payment method and system |
| WO2016149156A1 (en) * | 2015-03-13 | 2016-09-22 | Radiius Corp | Smartcard payment system and method |
| CN106100850A (en) * | 2016-06-17 | 2016-11-09 | 公安部第三研究所 | Intelligent and safe chip signing messages transmission method based on Quick Response Code and system |
| CN106503774A (en) * | 2016-10-28 | 2017-03-15 | 中国工商银行股份有限公司 | Smart chip card and without card paying system |
-
2019
- 2019-07-31 CN CN201910700929.8A patent/CN110390530A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102160061A (en) * | 2008-08-20 | 2011-08-17 | X卡控股有限公司 | Secure smart card system |
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | 中国银联股份有限公司 | Bank card payment method and system |
| WO2016149156A1 (en) * | 2015-03-13 | 2016-09-22 | Radiius Corp | Smartcard payment system and method |
| CN106100850A (en) * | 2016-06-17 | 2016-11-09 | 公安部第三研究所 | Intelligent and safe chip signing messages transmission method based on Quick Response Code and system |
| CN106503774A (en) * | 2016-10-28 | 2017-03-15 | 中国工商银行股份有限公司 | Smart chip card and without card paying system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114296625A (en) * | 2021-12-28 | 2022-04-08 | 深圳市百富智能新技术有限公司 | Data input method and device, double-chip sales terminal and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104680361B (en) | A kind of enchashment method and system based on third-party platform | |
| CN101699892B (en) | Method and device for generating dynamic passwords and network system | |
| CN106529938B (en) | Virtual card issuing method, device and terminal | |
| CN110400145A (en) | A kind of digital identity application system and method, identity authorization system and method | |
| CN101388066A (en) | Method for implementing two-dimensional code certification | |
| CN202771476U (en) | Security certification system | |
| CN108234385A (en) | A kind of method for authenticating user identity and device | |
| CN102496112B (en) | Three-screen payment system based on intelligent SD card and realization method thereof | |
| CN103793818B (en) | More smart card payment systems, method, Mobile payment terminal and credible platform | |
| CN102903044A (en) | Banking mobile terminal data signature device, banking mobile terminal data signature method and safety authentication system | |
| CN102968721A (en) | Mobile phone acquiring system | |
| CN101223729A (en) | Updating a mobile payment device | |
| CN106251145A (en) | Electronic fare payment system, electronic payment devices and electric paying method | |
| CN101872513A (en) | Data processing method, device and system based on POS (Point-Of-Sale) machine | |
| CN101477661B (en) | A kind of digital certificate management method, device and system | |
| CN106980977A (en) | Payment system and its Payment Card based on Internet of Things | |
| CN110390530A (en) | The safe payment method and relevant apparatus of chip bank card | |
| CN103944731A (en) | Data security interactive method | |
| TWI748630B (en) | Two-dimensional bar code payment method based on mobile phone business card and its payment system, computer readable storage medium and computer equipment | |
| CN105743855B (en) | A kind of safety control system of Internet application equipment and its distribution, application method | |
| CN105160531B (en) | Transaction data processing method and processing device | |
| CN102034178A (en) | Cross-mechanism online payment method, system and device | |
| CN103942686A (en) | Data security interactive system | |
| US20220366495A1 (en) | Systems and methods for digital asset management comprising physical digital asset holders | |
| CN103905624B (en) | Generation method and the mobile phone terminal of digital signature |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20191029 |
|
| RJ01 | Rejection of invention patent application after publication |