CN101093566A - Safe mobile payment system, device and method - Google Patents
Safe mobile payment system, device and method Download PDFInfo
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- CN101093566A CN101093566A CNA2006100931600A CN200610093160A CN101093566A CN 101093566 A CN101093566 A CN 101093566A CN A2006100931600 A CNA2006100931600 A CN A2006100931600A CN 200610093160 A CN200610093160 A CN 200610093160A CN 101093566 A CN101093566 A CN 101093566A
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Abstract
A safe and mobile payment system comprises mobile terminal with mobile payment unit and back-end support platform. Its paying method includes authorizing mobile terminal to carry out off-line payment when user device information is consistence to cut-in information and locking off-line payment function of mobile terminal when user device information is not consistence to cut-in information.
Description
Technical field
The present invention relates to wireless recognition technique, particularly relate to a kind of safe wireless identification mobile-payment system and, Apparatus and method for.
Background technology
Fast development along with market economy and mechanics of communication, people are in daily life, carrying out electronic business transaction, e-ticketing, E-Payment, and activities such as exchanges data and gate inhibition, utilize the wireless identification means of communication to be undertaken more and more by the strange land, particularly, people can utilize wireless recognition technique to carry out the electric payment transaction of small amount.
Because the each dealing money of small amount payment is very low, and adopt with the mode of credit or debit card binding costly owing to the transaction formality; Simultaneously, carry out the mode that third party transaction is confirmed by network real-time, because exchange hour is long, operating process is loaded down with trivial details, also is not suitable for generally requiring exchange hour to lack, and need not the user confirms the small amount payment of finishing rapidly.
Therefore, existing small amount payment adopts the offline electronic payment mode more, equipment is before paying, method by network is carried out long-range supplementing with money, after the process of supplementing with money was finished, electronic cash or its electronic bill of equal value with small amount were saved in the equipment such as electronic ticket, electronic motion picture ticket etc., when payment, directly reduce electronic cash or the electronic bill that is stored in the local device then, finish the payment transaction process.Wherein, utilize portable terminal, carry out more and more widespread usage of small amount payment as mobile phone.
Along with RFID (Radio Frequency Identification, radio-frequency (RF) identification) and NFC (Near FieldCommunication, the close distance radio frequency communication) development of non-contact radio-frequency technology such as, increasing portable terminal begins to increase the function of contactless chip, be non-contact mobile payment equipment, to finish shopping, e-ticketing, doit electronic payment, and function such as exchanges data and gate inhibition between portable terminal.And existing market significantly promotes along with the occupation rate of portable terminal, uses this non-contact mobile payment equipment, by read write lines such as RFID and NFC, carries out relevant financial services such as small amount payment.At this moment, but non-contact mobile payment equipment can be fully in conjunction with the function of the access to netwoks of portable terminal, and contactless device is easy to use, and the advantage that the user learning cost is low is brought great convenience to the terminal user in relevant financial service processes such as small amount payment.
But, carry out with the portable terminal off-line in the process of small amount payment, when if this portable terminal is lost, then the electronic cash that prestores on the local terminal of user also will be lost simultaneously, simultaneously, because electronic cash lacks safety certification, therefore the payment activity that also can't stop malicious user to be correlated with by portable terminal causes the loss of electronic cash.
Chinese patent application 200310103405.X discloses a kind of method and system thereof that international portable terminal identification code realizes antitheft mobile phone that use.This system is made up of mobile phone, SIM card, network and IMEI server; utilize this system; the cellphone subscriber sends IMEI automatically when logging on network; the IMEI server is accepted the IMEI sign indicating number of SIM card transmission and this IMEI sign indicating number and user's IMSI sign indicating number and phone number is bound mutually; set up corresponding mobile user index database; and utilize IMEI protection password to carry out the authentication of cellphone subscriber's identity, the disabled user is set up interim index.If the disabled user with steal mobile phone step on net and use, just can determine to use user's new digit of this mobile phone by the unique IMEI sign indicating number inquiry of mobile phone, thereby know disabled user's identity, and then find lost handset, can also disabled user's SIM card is locked, fundamentally reduce the generation of thievery.But this system and method only to mobile terminal locking, can't be finished the Autonomic Migration Framework of user's Financial Information, makes the user suffer extra financial loss.
Summary of the invention
The object of the present invention is to provide a kind of safe mobile payment system, Apparatus and method for; it has solved can only be to the correlation function locking of mobile payment terminal; and can not carry out the security protection to the payment correlation function, also can't carry out the problem that the relevant sensitization data are recovered automatically.
For realizing that the object of the invention provides a kind of mobile-payment system, comprise portable terminal and rear end support platform, described portable terminal comprises the mobile payment unit, be used for when starting the offline electronic payment function, read the user equipment information on the described portable terminal, behind the information of the opening comparatively validate of storing on the described portable terminal, the offline electronic payment function of control portable terminal.
Described mobile payment unit can comprise the mobile device safe unit, is used to store user's the information of opening, and when starting the offline electronic payment function, reads the user equipment information on the portable terminal, opens information relatively with described; When user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Described mobile payment device safe unit comprises authentication unit and access control unit, wherein:
Authentication unit is used for reading the user equipment information on the portable terminal when starting the offline electronic payment function, with the described information comparatively validate of opening, and will verify that the result sends access control unit to;
Access control unit is used for when user equipment information is consistent with the information of opening, authorizing portable terminal to carry out offline electronic payment according to authentication unit checking result; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Described mobile payment device safe unit comprises that also information search opens unit and information memory cell, wherein:
The unit is opened in information search, be used for when the user opens mobile payment function, collecting the information of opening of portable terminal, to open information transmission and pay support platform to the rear end, after the checking of rear end payment support platform is passed through, the user account information that support platform sends is paid in the rear end store in the portable terminal; Simultaneously, after opening mobile payment function, will open information stores in information memory cell;
Information memory cell, the information of opening when being used to preserve the user and opening mobile payment function.
Described mobile payment unit also comprises the offline electronic payment unit, is used to preserve user account information, and after obtaining the access control unit mandate, carries out the offline e payment.
Described offline electronic payment unit comprises electronic cash addressed location and payment unit, wherein:
The electronic cash addressed location is used to preserve user account information;
Payment unit is used for after obtaining the access control unit mandate and the contactless device communication, reads user account information from the electronic cash addressed location, carries out the offline e payment.
Described mobile payment unit also comprises the support platform authentication unit, is used for carrying out communication with rear end payment support platform, and resolves the information of the rear end payment support platform of receiving, this information is submitted to portable terminal.
Described support platform authentication unit comprises front network communication unit and message processing unit, wherein:
The front network communication unit is used for carrying out communication with rear end payment support platform;
Message processing unit is used for when receiving the message that payment support platform in rear end sends, the information of obtaining after message is resolved, and this information submitted to portable terminal.
Described rear end payment support platform comprises paying opens the unit, user notification unit and User Information Database unit, wherein:
The unit is opened in payment, when being used for portable terminal and newly opening, perhaps open, change portable terminal again, checking, again after the validity of identifying user identity, the information of opening according to the portable terminal of newly opening or open again the offline electronic payment function, upgrade the information of opening accordingly in the described User Information Database unit, and user account information is sent to the portable terminal of newly opening the offline electronic payment function by described user notification unit;
The user notification unit is used for opening, reporting the loss or when changing mobile device, the notice portable terminal is opened the offline electronic payment function or forbidden the offline electronic payment function detecting the user;
The User Information Database unit is used to preserve user's registration information, user account information, and the information of opening that receives from portable terminal when opening of offline electronic payment function.
Described rear end payment support platform also comprises the user profile authentication unit, be used for after portable terminal offline electronic payment function is locked, when opening the offline electronic payment function again, the original log-on message content that solicited message that the customer mobile terminal transmission is next and User Information Database unit are preserved compares checking, if solicited message is consistent with log-on message, then send instruction and open the unit to described payment by described user notification unit, open the unit by payment and send information, allow portable terminal to open the offline electronic payment function to portable terminal.
Described rear end payment support platform also comprises electronic cash clearing unit, invalid registration unit and back-end network communication unit, wherein:
There is the electronic cash account in leading subscriber electronic cash clearing unit, and itself and electronic cash management system are carried out the clearing of electronic cash by network;
Invalid registration unit is used for reporting the loss portable terminal as the user, make that the information of opening lost efficacy after, will open information registering for losing efficacy in the User Information Database, and forbid the offline electronic payment function by user notification unit notice portable terminal;
The back-end network communication unit is used for carrying out communication with portable terminal.
For realizing that the object of the invention also provides a kind of mobile payment terminal device, described terminal device comprises the mobile payment unit, be used for when starting the offline electronic payment function, read the user equipment information on the described portable terminal, behind the information of the opening comparatively validate of storing on the described portable terminal, the offline electronic payment function of control portable terminal.
Described mobile payment unit comprises the mobile device safe unit, is used to store user's the information of opening, and when starting the offline electronic payment function, reads the user equipment information on the portable terminal, opens information relatively with described; When user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Described mobile payment device safe unit comprises authentication unit and access control unit, wherein:
Authentication unit is used for reading the user equipment information on the portable terminal when starting the offline electronic payment function, with the described information comparatively validate of opening, and will verify that the result sends access control unit to;
Access control unit is used for when user equipment information is consistent with the information of opening, authorizing portable terminal to carry out offline electronic payment according to authentication unit checking result; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Described mobile payment device safe unit comprises that also information search opens unit and information memory cell, wherein:
The unit is opened in information search, be used for when the user opens mobile payment function, collecting the information of opening of portable terminal, to open information transmission and pay support platform to the rear end, after the checking of rear end payment support platform is passed through, and the user account information that support platform sends is paid in the rear end store in the portable terminal; Simultaneously, after opening mobile payment function, will open information stores in information memory cell;
Information memory cell, the information of opening when being used to preserve the user and opening mobile payment function.
Described mobile payment unit also comprises the offline electronic payment unit, is used to preserve user account information, carries out the electronic cash clearing with rear end payment support platform, and after obtaining the access control unit mandate, carries out the offline e payment.
Described offline electronic payment unit comprises electronic cash addressed location and payment unit, wherein:
The electronic cash addressed location is used to preserve user account information, and carries out the electronic cash clearing with rear end payment support platform;
Payment unit is used for after obtaining the access control unit mandate and the contactless device communication, reads user account information from the electronic cash addressed location, carries out the offline e payment.
Described mobile payment unit also comprises the support platform authentication unit, is used for carrying out communication with rear end payment support platform, and resolves the information of the rear end payment support platform of receiving, this information is submitted to portable terminal.
Described support platform authentication unit comprises front network communication unit and message processing unit, wherein:
The front network communication unit is used for carrying out communication with rear end payment support platform;
Message processing unit is used for when receiving the message that payment support platform in rear end sends, the information of obtaining after message is resolved, and this information submitted to portable terminal.
For realizing the object of the invention, the present invention further provides a kind of method of mobile payment, comprise the following steps:
Steps A) when the user used portable terminal to start the offline electronic payment function, portable terminal read the user equipment information on the portable terminal, and opened the information comparatively validate;
Step B) when user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Described steps A) further comprises the following steps: before
Steps A 1) when mobile terminal request was opened the mobile payment service, portable terminal read the information of opening, and with user request information, sent to backstage payment support platform, and the mobile payment service is opened in request;
Steps A 2) payment support platform in rear end reads user's log-on message, after verifying that this user is validated user, request is opened in response, the notice portable terminal, open mobile payment function, and user account information is sent to the portable terminal of the offline electronic payment function of newly opening; Simultaneously, this portable terminal being opened information stores pays in the support platform to the rear end;
Steps A 3) after portable terminal receives that the message of mobile payment function is opened in the response of rear end payment support platform, response message is resolved, obtain user account information, and user account information is stored in the portable terminal, information is opened in storage simultaneously.
Described step B) also comprises the following steps:
After the offline electronic payment function time T of locking portable terminal, the offline electronic payment data on the deletion portable terminal.
Described step B) further comprises the following steps:
Step B1 ') report the loss portable terminal by mobile operator as the user, make that the mobile terminal user facility information lost efficacy after, the information of opening of the rear end being paid support platform is registered as inefficacy on the invalid registration unit of rear end payment support platform;
Step B2 ') rear end payment support platform invoke user notification unit, the notice portable terminal is forbidden the offline electronic payment function;
When step B3 ') opening again after portable terminal is lost, the user needs to open the mobile payment service by new portable terminal repeating step A1～A3 again on rear end payment support platform.
Described step B3 ') comprises the following steps:
After mobile payment function was opened again, user account information imported on the new portable terminal of user again, and the user account information on the former portable terminal ceases to be in force automatically, and by all user account informations of former mobile terminal to automatically deleting.
Method of mobile payment of the present invention also further comprises the following steps:
After the portable terminal unused time reaches the time period T1 of forbidding mobile payment function, when the user starts shooting once more, the mobile payment unit can enter interim lock-out state, send solicited message through portable terminal to backstage payment support platform, after the checking of backstage payment support platform, cancel interim lock-out state.
Method of mobile payment of the present invention also further comprises the following steps:
When customer mobile terminal a period of time, T2 did not have network signal, the mobile payment unit enters interim lock-out state, after the customer mobile terminal restoring signal, send solicited message through portable terminal to backstage payment support platform, after the checking of backstage payment support platform, cancel interim lock-out state.
The described information of opening is mobile device identification code, the mobile subscriber identification code of portable terminal when opening mobile payment function.
Described user equipment information carries out mobile device identification code, the mobile subscriber identification code of the portable terminal of offline electronic payment for request.
Described user's registration information comprises address name, account, the electronic cash number that deposits in, electronic cash account password.
Beneficial effect of the present invention: safe mobile payment devices of the present invention, mobile payment unit matching by rear end payment support platform and portable terminal, when portable terminal is lost, when the user reports the loss, on the logging off users equipment with the relevant Financial Information of payment, the relevant payment function of locking portable terminal, move finance data simultaneously, so that when the user opens payment services again, financial payment information Autonomic Migration Framework with original equipment, reduce user's loss, guarantee convenient normal use of user.
Description of drawings
Fig. 1 is a mobile-payment system structural representation of the present invention;
Fig. 2 is a method of mobile payment process flow diagram of the present invention.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, safe mobile payment system of the present invention, equipment and method of mobile payment are further elaborated below in conjunction with accompanying drawing 1～2 and embodiment.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
Safe mobile payment system of the present invention is by the mobile payment unit matching in rear end payment support platform and the portable terminal, storage mobile device sign, mobile user identification etc. are opened information in rear end payment support platform, and it is corresponding to open information in assurance portable terminal and the rear end payment support platform.When portable terminal when starting the offline electronic payment function, whether the mobile device sign, mobile user identification of at first verifying portable terminal with to open information consistent, start the offline electronic payment function according to checking mandate as a result.When mobile device sign, mobile user identification and when opening information inconsistency, will lock payment data, non-payment function, deletion user account information.Like this, when the user loses portable terminal, lost efficacy by making mobile device sign, mobile user identification, perhaps rear end payment support platform proactive notification just can lock the offline electronic payment function and delete the offline electronic payment data; Simultaneously, after portable terminal is lost, the user can pass through new portable terminal, utilize solicited message and be stored on the support platform of rear end log-on message and confirm identity alternately, on new portable terminal, open the offline electronic payment function again, and new mobile device sign, mobile user identification stored on the rear end payment support platform, on new portable terminal, recover mobile payment function, and the excess electron cash that recovers the account is automatically paid by mails.
Following detailed description earlier safe mobile payment system of the present invention:
Safe mobile payment system of the present invention comprises portable terminal and rear end support platform.
Described portable terminal comprises the mobile payment unit, it comprises the mobile device safe unit, offline electronic payment unit and support platform authentication unit, be used for when starting the offline electronic payment function, read the user equipment information on the portable terminal, with the offline electronic payment function of the relatively back control portable terminal of the information of opening of storing on the portable terminal.
The mobile device safe unit comprises that information search opens the unit, information memory cell, authentication unit, access control unit is used to store user's the information of opening, and when starting the offline electronic payment function, read the user equipment information on the portable terminal, open information relatively with described; When user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
The unit is opened in information search, be used for when the user opens mobile payment function, collecting the information of opening of portable terminal, include but not limited to equipment mark code (IMEI sign indicating number), mobile subscriber identification code (IMSI sign indicating number) etc. can identify the information of portable terminal and user identity, the offline electronic payment business is opened in prompting, network communication unit by the portable terminal front end, utilize communication network will open information transmission and pay support platform to the rear end, after the checking of rear end payment support platform is passed through, when opening the offline electronic payment function, and the rear end paid the user account information that support platform is sent, comprise that the electronic cash information stores is in the electronic cash addressed location of offline electronic payment unit; Simultaneously, after opening mobile payment function, will open information stores in information memory cell.
Information memory cell, the equipment mark code (IMEI sign indicating number) of portable terminal, mobile subscriber's sign indicating number (IMSI sign indicating number) etc. are opened information when being used to preserve the user and opening mobile payment function.
Preferably, described information adopts the encryption method storage, and the content in this unit can't directly be visited and revise to common applications, and described encryption method can be DES, AES cryptographic algorithm.
Authentication unit is used for reading the user equipment information on the portable terminal when starting the offline electronic payment function, with the described information comparatively validate of opening, and will verify that the result sends access control unit to.
User equipment information comprises the mobile device sign (IMEI sign indicating number), mobile user identification (IMSI sign indicating number) of portable terminal etc., and it is with to open information corresponding.
Access control unit is used for when user equipment information is consistent with the information of opening, authorizing portable terminal to carry out offline electronic payment according to authentication unit checking result; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Preferably, the offline electronic payment function a period of time T at the locking portable terminal after one hour, can delete the offline electronic payment data on the portable terminal, comprises the electronic cash data in the electronic cash addressed location.
Software program operation in this mobile payment unit also resides in the operating system of portable terminal, reside in the inner operation automatically of mobile terminal operating system after portable terminal starts, the user can not delete, upgrade and revise the software program in the mobile payment unit by non-trusted software.
The offline electronic payment unit comprises electronic cash addressed location and payment unit, is used to preserve user account information, and after obtaining the access control unit mandate, carries out the offline e payment.
The electronic cash addressed location is used to preserve user account information, comprises the electronic cash number.
Preferably, described electronic cash The data encryption method storage, this content can't directly be visited and revise to common applications, and described encryption method can be cryptographic algorithm such as DES, AES, 3DES, RSA or ECC.
Payment unit is used for after obtaining the access control unit mandate and the contactless device communication, reads user account information from the electronic cash addressed location, carries out the offline e payment.
This contactless device can be a rfid interrogator, and perhaps the NFC read write line in payment unit, comprises and the corresponding label of this contactless device (Tag, i.e. radio-frequency card), reads and writes and replys.
It is a kind of existing technology that contactless device and corresponding label carry out the radio frequency read-write, for example rfid interrogator can be followed 13.56MHz band RFID tag standards and reads and writes, the international standard of this frequency range has SONY Felica, ISO/IEC 14443 TYPE A, ISO/IEC 14443 TYPE B, ISO/IEC15693, ISO18000-3, in the present invention, quote these standards, give unnecessary details no longer one by one.
The support platform authentication unit comprises front network communication unit and message processing unit, is used for carrying out communication with rear end payment support platform, and resolves the information of the rear end payment support platform of receiving, this information is submitted to mobile portable terminal operate.
The front network communication unit is used for carrying out communication with rear end payment support platform, carries out encrypted transmission for critical data, the affirmation message that deciphering simultaneously receives.
The method of encrypted transmission can be cryptographic algorithm such as DES, IDEA, RSA, ECC.
Message processing unit is used for when receiving the message that payment support platform in rear end sends, the information of obtaining after message is resolved, and this information is submitted to portable terminal operate.
Rear end payment support platform can be passed through known wireless network communications system, as systems such as WAP, GPRS, WCDMA, TD-WCDMA, CDMA2000, sends the payment message request to portable terminal broadcasting, the modes such as note, connection phone that send.
Message processing unit is resolved message can be according to existing known communications protocol, data packets for transmission is transmitted and is resolved as ICP/IP protocol etc., and this is existing technique known, is not described in detail among the present invention.
Rear end payment support platform comprises paying opens the unit, user notification unit, User Information Database unit, user profile authentication unit, electronic cash clearing unit, invalid registration unit, and back-end network communication unit.Wherein:
The unit is opened in payment, when being used for portable terminal and newly opening, perhaps open, change portable terminal again, checking, again after the validity of identifying user identity, the information of opening according to the portable terminal of newly opening or open again the offline electronic payment function, corresponding mobile equipment mark code in the update user information Database Unit, mobile subscriber identification code etc. are opened information, and pass through the user notification unit with user account information, comprise that the electronic cash data send to the portable terminal of newly opening the offline electronic payment function.
The user notification unit is used for opening, reporting the loss or when changing mobile device, the notice portable terminal is opened the offline electronic payment function or forbidden the offline electronic payment function detecting the user.
The user can pass through known wireless network communications system, as systems such as WAP, GPRS, WCDMA, TD-WCDMA, CDMA2000, perhaps connect, notify portable terminal to the mode of portable terminal broadcasting, transmission note, connection conversation or network signal by known Internet network.
The User Information Database unit, be used to preserve user's registration information, user account information, and the information of opening that receives from portable terminal when opening of offline electronic payment function, these are opened information and include but not limited to equipment mark code (IMEI sign indicating number), mobile subscriber identification code information such as (IMSI sign indicating numbers).
The user profile authentication unit, be used for after portable terminal offline electronic payment function is locked, when opening the offline electronic payment function again, the original log-on message content that solicited message that the customer mobile terminal transmission is next and User Information Database unit are preserved compares checking, if solicited message is consistent with log-on message, then send instruction and open the unit, open the unit by payment and send information, allow portable terminal to open the offline electronic payment function to portable terminal to payment by the user notification unit.
There is the electronic cash account in leading subscriber electronic cash clearing unit, and its electronic cash management system with existing financial institution is passed through known network, is connected as IP network, carries out the clearing of electronic cash.
Invalid registration unit, be used for reporting the loss portable terminal by mobile operator as the user, after making that mobile device sign, mobile subscriber identification code lost efficacy, mobile device in User Information Database sign (IMEI sign indicating number), mobile subscriber identification code (IMSI sign indicating number) etc. are opened information registering be inefficacy, and forbid the offline electronic payment function by user notification unit notice portable terminal.
The user is out of hand to former portable terminal, as after losing, can make the information such as mobile device identification code, mobile subscriber identification code of portable terminal invalid by modes such as note, phone or Network Transmission, making information such as mobile device identification code, user profile identification code invalid is a kind of existing known technology, is not described in detail in the present invention.
The user reports the loss the mobile device identification code that makes portable terminal, mobile subscriber identification code lost efficacy after, mobile device identification code, mobile subscriber identification code that the subscriber information management platform notice rear end payment support platform of mobile operator lost efficacy, invalid registration unit is registered as inefficacy with mobile device identification code, the mobile subscriber identification code of this portable terminal, the mobile device identification code, the mobile subscriber identification code that in portable terminal, lost efficacy, guarantee the mobile payment user account information, comprise the security of electronic cash.
Preferably, rear end payment support platform can be passed through the invoke user notification unit, and the notice portable terminal is forbidden the offline electronic payment function.At this moment, though user equipment information with to open information consistent, portable terminal can not be obtained the authorization, and uses the offline electronic payment function.
The back-end network communication unit is used for carrying out communication with portable terminal, and data are carried out encrypted transmission, the affirmation message that deciphering simultaneously receives.
Cryptographic algorithm in the front network communication unit in described encryption method and the portable terminal is corresponding, can be the des encryption algorithm.
Further, in embodiments of the present invention, mobile payment unit on the portable terminal is bound with equipment mark code (IMEI sign indicating number), mobile user identification (IMSI sign indicating number) simultaneously, and payment support platform in rear end is opened information according to equipment mark code, mobile subscriber identification code etc. and generated a unique digital certificate.This certificate can adopt the symmetric key mode to encrypt, and to expressly generating a summary, summary uses the service end private key to encrypt.Certificate also can adopt other the mode such as DSS or other definition to sign, and the certificate data tissue can adopt X.509 mode, also can adopt the predefined proprietary data form of system., when the user opens the offline electronic payment function, storing in the mobile device storage unit of portable terminal, the mobile device storage unit is used the validity of default key authentication certificate, after being proved to be successful, certificate is preserved.
This certificate can be kept at the position that other application programs can't be visited by proprietary interface, such as specific portable terminal flash memory block, proprietary positions such as safety chip internal storage region.
Further describe safe mobile method of payment of the present invention below in conjunction with mobile-payment system:
Step 1: when mobile terminal request is opened the mobile payment service, the information search of the mobile payment unit in the portable terminal is opened the unit and is read equipment mark code (IMEI sign indicating number) in the portable terminal, mobile user identification (IMSI sign indicating number) etc. and open information, with user request information etc., send to rear end payment support platform by the front network communication unit, the mobile payment service is opened in request;
User request information can comprise individual subscriber data and log-on messages such as user account information, password.
Usually, the operator of rear end payment support platform, when the user asks to obtain the service of portable terminal offline electronic payment function, the request user provides certain log-on message, these log-on messages include but not limited to address name, the account, the electronic cash number that deposits in, essential informations such as electronic cash account password.
Step 2: the payment in the rear end payment support platform is opened the unit according to individual subscriber data and user's disbursement account password etc., from the User Information Database unit, read user's log-on message, after verifying that this user is validated user, request is opened in response, by the user notification unit, utilize back-end network communication unit notice portable terminal with mobile terminal communication, open mobile payment function, and, comprise that the electronic cash data send to the portable terminal of the offline electronic payment function of newly opening with user account information; Simultaneously, the equipment mark code (IMEI sign indicating number) of this portable terminal, mobile user identification (IMSI sign indicating number) etc. are opened information stores in the User Information Database unit.
Step 3: after portable terminal receives that the message of mobile payment function is opened in the response of rear end payment support platform, by message processing unit response message is resolved, obtain user account information, comprise the electronic cash data, user account information is stored in the electronic cash addressed location; Simultaneously, open the unit by information search the mobile device identification code of portable terminal, mobile subscriber identification code etc. are opened information stores to information memory cell.
Like this, the user just can use portable terminal to carry out offline electronic payment, just can utilize mobile device identification code when opening, mobile subscriber identification code etc. to open Information Authentication, the security of assurance offline electronic payment when starting the offline electronic payment function.
Step 4: when the user uses portable terminal to start the offline electronic payment function, at first, the authentication unit of portable terminal reads equipment mark code (IMEI sign indicating number), the mobile subscriber identification code user equipment informations such as (IMSI sign indicating numbers) on the portable terminal, with open the information comparatively validate, and will verify that the result sends access control unit to;
Step 5: access control unit is verified the result according to authentication unit, when user equipment information is consistent with the information of opening, authorizes portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
Preferably, the offline electronic payment function a period of time T at the locking portable terminal after one hour, can delete the offline electronic payment data on the portable terminal, comprises the electronic cash data in the electronic cash addressed location.
Like this, when customer mobile terminal is lost, the user reports the loss its portable terminal, make the equipment mark code of portable terminal, mobile subscriber identification code is invalid, when using this to be carried out offline electronic payment by the out of control portable terminal of user, because the equipment mark code that authentication unit reads, mobile subscriber identification code is invalid, itself and the equipment mark code of opening in the information, mobile subscriber identification code is inconsistent, therefore, the offline electronic payment data of preserving on the offline electronic payment function of access control unit locking portable terminal even the deletion portable terminal comprise the electronic cash data in the electronic cash addressed location.
Simultaneously, when the user reports the loss portable terminal by mobile operator, after making that mobile device sign, mobile subscriber identification code lost efficacy, the sign of the mobile device in the User Information Database (IMEI sign indicating number), mobile subscriber identification code (IMSI sign indicating number) etc. are opened information on the invalid registration unit of rear end payment support platform, be registered as inefficacy.
Rear end payment support platform can be passed through the invoke user notification unit, and the notice portable terminal is forbidden the offline electronic payment function.At this moment, though user equipment information with to open information consistent, portable terminal can not be obtained the authorization, and uses the offline electronic payment function.
When opening again after portable terminal is lost, the user needs to open the mobile payment service by new portable terminal repeating step 1～3 again on rear end payment support platform.
Further, after mobile payment function is opened again, user account information, comprise that the electronic cash of not consumed will import on the new portable terminal of user again, user account information on the former portable terminal ceases to be in force automatically, and delete all user account informations automatically by access control unit, comprise the electronic cash data.
In addition, particularly, access control unit mandate portable terminal carries out offline electronic payment and comprises the following steps: in the step 5
Step 51: when access control unit mandate portable terminal carries out offline electronic payment, payment unit by with the contactless device communication, from the electronic cash addressed location, read user account informations such as electronic cash, carry out offline electronic payment, finish trading activity.
Step 52: when certain billing cycle arrived, trade company sent to rear end payment support platform with transaction record, was settled accounts by rear end payment support platform.
Step 53: the electronic cash clearing unit in the rear end payment support platform and the electronic cash management system of existing financial institution are carried out the electronic cash clearing, the electronic cash remaining sum on the new user account more, store new user account information into the User Information Database unit then, and new user account information is sent to portable terminal by the back-end network communication unit.
User's electronic cash is preserved in User Information Database unit in the rear end payment support platform, electronic cash to the user carries out record, electronic cash clearing unit is connected with the electronic cash management system of existing financial institution, after the process payment processes flow process of electronic cash management system, automatically increase or reduce electronic cash in the system of being pre-stored in, and new electronic cash number is deposited in the User Information Database.
Step 54: after portable terminal is received new user account information, handle, obtain new user account information, be stored in the electronic cash addressed location through message processing unit.
Preferably, method of mobile payment of the present invention also comprises the following steps:
Step 6: after the portable terminal unused time reaches the time period T1 of forbidding mobile payment function, when the user starts shooting once more, the mobile payment unit can enter interim lock-out state, send solicited message through portable terminal to backstage payment support platform, after the user profile authentication unit checking in the backstage payment support platform, could cancel interim lock-out state.
Step 6 specifically comprises the following steps:
Step 61: after the portable terminal unused time reaches the time period T of forbidding mobile payment function, when the user starts shooting once more, the mobile payment unit can enter interim lock-out state, although portable terminal is not changed in this section time T, do not have other people yet and open mobile payment function again, portable terminal is not reported the loss yet, but security for mobile payment function, access control unit forbidding mobile payment function in the portable terminal, at this moment, even user equipment information is with to open information consistent, portable terminal can not be obtained the authorization, and uses the offline electronic payment function;
Step 62: the user can pass through the front network communication unit, utilize mode connected modes such as note, networking, be connected to rear end payment support platform, and by these data link, open the unit by information search and collect mobile terminal equipment to identify sign indicating number (IMEI sign indicating number), mobile subscriber identification code information such as (IMSI sign indicating numbers), add user's log-on message etc., be sent to the payment support platform, the interim lock-out state of request cancellation;
Step 63: after rear end payment support platform is received the interim lock state information of request cancellation, by user profile authentication unit checking solicited message, the original log-on message content that solicited message that the customer mobile terminal transmission is next and User Information Database unit are preserved compares checking, if solicited message is consistent with log-on message, then send instruction and open the unit to payment by the user notification unit, open the unit by payment and send information to portable terminal, the notice portable terminal is cancelled interim lock-out state;
Step 64: after the message processing unit in the portable terminal receives that the cancellation of backstage payment support platform ceases interim lock-state message, obtain message content through resolving the back, the notice access control unit is cancelled interim lock-out state, like this, the user just can normally use the offline electronic payment function.
Step 7: when customer mobile terminal a period of time, T2 did not have network signal, the mobile payment unit also can enter interim lock-out state, after the customer mobile terminal restoring signal, send solicited message through portable terminal to backstage payment support platform, after the user profile authentication unit checking in the backstage payment support platform, could cancel interim lock-out state, like this, further guarantee the security of the offline electronic payment function of portable terminal.
In this step, portable terminal sends solicited message to backstage payment support platform, cancels the process of interim lock-out state, and is the same with the process of the interim lock-out state of cancellation in the step 6, in embodiments of the present invention, no longer is repeated in this description.
In an embodiment of the present invention, when portable terminal uses the mobile payment service, the mobile payment unit reads the equipment mark code of portable terminal, user equipment informations such as mobile subscriber identification code, equipment mark code when opening, mobile subscriber identification codes etc. are opened the information checking of comparing, equipment mark code at portable terminal, that stores in mobile subscriber identification code and the information memory cell opens equipment mark code in the information, during mobile subscriber identification code when inconsistent, any mobile payment function is forbidden in the mobile payment unit, and the user account informations of preserving on locking even the deletion portable terminal such as electronic cash.If the user needs to use mobile payment function again, must pay support platform on the backstage and authenticate again, to open the mobile payment service, guaranteed the security of portable terminal offline electronic payment.
Present embodiment is in order to understand the detailed description that the present invention carries out better; it is not the qualification of scope that the present invention is protected; therefore, those of ordinary skills do not break away from purport of the present invention without creative work to change that the present invention made in protection scope of the present invention.
Claims (32)
1. mobile-payment system, comprise portable terminal and rear end support platform, it is characterized in that, described portable terminal comprises the mobile payment unit, be used for when starting the offline electronic payment function, read the user equipment information on the described portable terminal, behind the information of the opening comparatively validate of storing on the described portable terminal, the offline electronic payment function of control portable terminal.
2. mobile-payment system according to claim 1 is characterized in that, described mobile payment unit comprises the mobile device safe unit, be used to store user's the information of opening, and when starting the offline electronic payment function, read the user equipment information on the portable terminal, open information relatively with described; When user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
3. mobile-payment system according to claim 2 is characterized in that, described mobile payment device safe unit comprises authentication unit and access control unit, wherein:
Authentication unit is used for reading the user equipment information on the portable terminal when starting the offline electronic payment function, with the described information comparatively validate of opening, and will verify that the result sends access control unit to;
Access control unit is used for when user equipment information is consistent with the information of opening, authorizing portable terminal to carry out offline electronic payment according to authentication unit checking result; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
4. mobile-payment system according to claim 3 is characterized in that, described mobile payment device safe unit comprises that also information search opens unit and information memory cell, wherein:
The unit is opened in information search, be used for when the user opens mobile payment function, collecting the information of opening of portable terminal, to open information transmission and pay support platform to the rear end, after the checking of rear end payment support platform is passed through, the user account information that support platform sends is paid in the rear end store in the portable terminal; Simultaneously, after opening mobile payment function, will open information stores in information memory cell;
Information memory cell, the information of opening when being used to preserve the user and opening mobile payment function.
5. mobile-payment system according to claim 2 is characterized in that, described mobile payment unit also comprises the offline electronic payment unit, is used to preserve user account information, and after obtaining the access control unit mandate, carries out the offline e payment.
6. mobile-payment system according to claim 5 is characterized in that, described offline electronic payment unit comprises electronic cash addressed location and payment unit, wherein:
The electronic cash addressed location is used to preserve user account information;
Payment unit is used for after obtaining the access control unit mandate and the contactless device communication, reads user account information from the electronic cash addressed location, carries out the offline e payment.
7. mobile-payment system according to claim 5, it is characterized in that described mobile payment unit also comprises the support platform authentication unit, be used for carrying out communication with rear end payment support platform, and resolve the information that support platform is paid in the rear end of receiving, this information is submitted to portable terminal.
8. mobile-payment system according to claim 7 is characterized in that, described support platform authentication unit comprises front network communication unit and message processing unit, wherein:
The front network communication unit is used for carrying out communication with rear end payment support platform;
Message processing unit is used for when receiving the message that payment support platform in rear end sends, the information of obtaining after message is resolved, and this information submitted to portable terminal.
9. mobile-payment system according to claim 1 is characterized in that, described rear end payment support platform comprises paying opens the unit, user notification unit and User Information Database unit, wherein:
The unit is opened in payment, when being used for portable terminal and newly opening, perhaps open, change portable terminal again, checking, again after the validity of identifying user identity, the information of opening according to the portable terminal of newly opening or open again the offline electronic payment function, upgrade the information of opening accordingly in the described User Information Database unit, and user account information is sent to the portable terminal of newly opening the offline electronic payment function by described user notification unit;
The user notification unit is used for opening, reporting the loss or when changing mobile device, the notice portable terminal is opened the offline electronic payment function or forbidden the offline electronic payment function detecting the user;
The User Information Database unit is used to preserve user's registration information, user account information, and the information of opening that receives from portable terminal when opening of offline electronic payment function.
10. mobile-payment system according to claim 9, it is characterized in that, described rear end payment support platform also comprises the user profile authentication unit, be used for after portable terminal offline electronic payment function is locked, when opening the offline electronic payment function again, the original log-on message content that solicited message that the customer mobile terminal transmission is next and User Information Database unit are preserved compares checking, if solicited message is consistent with log-on message, then send instruction and open the unit to described payment by described user notification unit, open the unit by payment and send information, allow portable terminal to open the offline electronic payment function to portable terminal.
11. mobile-payment system according to claim 10 is characterized in that, described rear end payment support platform also comprises electronic cash clearing unit, invalid registration unit and back-end network communication unit, wherein:
There is the electronic cash account in leading subscriber electronic cash clearing unit, and itself and electronic cash management system are carried out the clearing of electronic cash by network;
Invalid registration unit is used for reporting the loss portable terminal as the user, make that the information of opening lost efficacy after, will open information registering for losing efficacy in the User Information Database, and forbid the offline electronic payment function by user notification unit notice portable terminal;
The back-end network communication unit is used for carrying out communication with portable terminal.
12., it is characterized in that the described information of opening is mobile device identification code, the mobile subscriber identification code of portable terminal when opening mobile payment function according to each described mobile-payment system of claim 1 to 11.
13. mobile-payment system according to claim 12 is characterized in that, described user equipment information is mobile device identification code, the mobile subscriber identification code of portable terminal when the user opens mobile payment function.
14. mobile-payment system according to claim 9 is characterized in that, described user's registration information comprises address name, account, the electronic cash number that deposits in, electronic cash account password.
15. mobile payment terminal device, it is characterized in that, described terminal device comprises the mobile payment unit, be used for when starting the offline electronic payment function, read the user equipment information on the described portable terminal, behind the information of the opening comparatively validate of storing on the described portable terminal, the offline electronic payment function of control portable terminal.
16. mobile payment terminal device according to claim 15, it is characterized in that, described mobile payment unit comprises the mobile device safe unit, be used to store user's the information of opening, and when starting the offline electronic payment function, read the user equipment information on the portable terminal, open information relatively with described; When user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
17. mobile payment terminal device according to claim 16 is characterized in that, described mobile payment device safe unit comprises authentication unit and access control unit, wherein:
Authentication unit is used for reading the user equipment information on the portable terminal when starting the offline electronic payment function, with the described information comparatively validate of opening, and will verify that the result sends access control unit to;
Access control unit is used for when user equipment information is consistent with the information of opening, authorizing portable terminal to carry out offline electronic payment according to authentication unit checking result; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
18. mobile payment terminal device according to claim 17 is characterized in that, described mobile payment device safe unit comprises that also information search opens unit and information memory cell, wherein:
The unit is opened in information search, be used for when the user opens mobile payment function, collecting the information of opening of portable terminal, to open information transmission and pay support platform to the rear end, after the checking of rear end payment support platform is passed through, and the user account information that support platform sends is paid in the rear end store in the portable terminal; Simultaneously, after opening mobile payment function, will open information stores in information memory cell;
Information memory cell, the information of opening when being used to preserve the user and opening mobile payment function.
19. mobile payment terminal device according to claim 16, it is characterized in that, described mobile payment unit also comprises the offline electronic payment unit, be used to preserve user account information, carry out the electronic cash clearing with rear end payment support platform, and after obtaining the access control unit mandate, carry out the offline e payment.
20. mobile payment terminal device according to claim 19 is characterized in that, described offline electronic payment unit comprises electronic cash addressed location and payment unit, wherein:
The electronic cash addressed location is used to preserve user account information, and carries out the electronic cash clearing with rear end payment support platform;
Payment unit is used for after obtaining the access control unit mandate and the contactless device communication, reads user account information from the electronic cash addressed location, carries out the offline e payment.
21. mobile payment terminal device according to claim 19, it is characterized in that, described mobile payment unit also comprises the support platform authentication unit, be used for carrying out communication with rear end payment support platform, and resolve the information that support platform is paid in the rear end of receiving, this information is submitted to portable terminal.
22. mobile payment terminal device according to claim 21 is characterized in that, described support platform authentication unit comprises front network communication unit and message processing unit, wherein:
The front network communication unit is used for carrying out communication with rear end payment support platform;
Message processing unit is used for when receiving the message that payment support platform in rear end sends, the information of obtaining after message is resolved, and this information submitted to portable terminal.
23. a method of mobile payment is characterized in that, comprises the following steps:
Steps A) when the user used portable terminal to start the offline electronic payment function, portable terminal read the user equipment information on the portable terminal, and opened the information comparatively validate;
Step B) when user equipment information is consistent with the information of opening, authorize portable terminal to carry out offline electronic payment; When user equipment information when opening information inconsistency, the offline electronic payment function of locking portable terminal.
24. method of mobile payment according to claim 23 is characterized in that, described steps A) further comprise the following steps: before
Steps A 1) when mobile terminal request was opened the mobile payment service, portable terminal read the information of opening, and with user request information, sent to backstage payment support platform, and the mobile payment service is opened in request;
Steps A 2) payment support platform in rear end reads user's log-on message, after verifying that this user is validated user, request is opened in response, the notice portable terminal, open mobile payment function, and user account information is sent to the portable terminal of the offline electronic payment function of newly opening; Simultaneously, this portable terminal being opened information stores pays in the support platform to the rear end;
Steps A 3) after portable terminal receives that the message of mobile payment function is opened in the response of rear end payment support platform, response message is resolved, obtain user account information, and user account information is stored in the portable terminal, information is opened in storage simultaneously.
25. method of mobile payment according to claim 24 is characterized in that, described step B) also comprise the following steps:
After the offline electronic payment function time T of locking portable terminal, the offline electronic payment data on the deletion portable terminal.
26. method of mobile payment according to claim 24 is characterized in that, described step B) further comprise the following steps:
Step B1 ') report the loss portable terminal by mobile operator as the user, make that the mobile terminal user facility information lost efficacy after, the information of opening of the rear end being paid support platform is registered as inefficacy on the invalid registration unit of rear end payment support platform;
Step B2 ') rear end payment support platform invoke user notification unit, the notice portable terminal is forbidden the offline electronic payment function;
When step B3 ') opening again after portable terminal is lost, the user needs to open the mobile payment service by new portable terminal repeating step A1～A3 again on rear end payment support platform.
27. method of mobile payment according to claim 26 is characterized in that, described step B3 ') comprise the following steps:
After mobile payment function was opened again, user account information imported on the new portable terminal of user again, and the user account information on the former portable terminal ceases to be in force automatically, and by all user account informations of former mobile terminal to automatically deleting.
28. method of mobile payment according to claim 26 is characterized in that, also further comprises the following steps:
After the portable terminal unused time reaches the time period T1 of forbidding mobile payment function, when the user starts shooting once more, the mobile payment unit can enter interim lock-out state, send solicited message through portable terminal to backstage payment support platform, after the checking of backstage payment support platform, cancel interim lock-out state.
29. method of mobile payment according to claim 28 is characterized in that, also further comprises the following steps:
When customer mobile terminal a period of time, T2 did not have network signal, the mobile payment unit enters interim lock-out state, after the customer mobile terminal restoring signal, send solicited message through portable terminal to backstage payment support platform, after the checking of backstage payment support platform, cancel interim lock-out state.
30., it is characterized in that the described information of opening is mobile device identification code, the mobile subscriber identification code of portable terminal when opening mobile payment function according to claim 23 or 24 described method of mobile payment.
31. method of mobile payment according to claim 30 is characterized in that, described user equipment information carries out mobile device identification code, the mobile subscriber identification code of the portable terminal of offline electronic payment for request.
32. method of mobile payment according to claim 31 is characterized in that, described user's registration information comprises address name, account, the electronic cash number that deposits in, electronic cash account password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100931600A CN101093566A (en) | 2006-06-23 | 2006-06-23 | Safe mobile payment system, device and method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100931600A CN101093566A (en) | 2006-06-23 | 2006-06-23 | Safe mobile payment system, device and method |
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| CN101093566A true CN101093566A (en) | 2007-12-26 |
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| CNA2006100931600A Pending CN101093566A (en) | 2006-06-23 | 2006-06-23 | Safe mobile payment system, device and method |
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| CN (1) | CN101093566A (en) |
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| CN112200550B (en) * | 2020-09-23 | 2021-05-11 | 北京联银通科技有限公司 | Offline payment verification method based on digital finance and block chain platform |
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