CN101330675B - Mobile payment terminal equipment - Google Patents
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- CN101330675B CN101330675B CN 200710042616 CN200710042616A CN101330675B CN 101330675 B CN101330675 B CN 101330675B CN 200710042616 CN200710042616 CN 200710042616 CN 200710042616 A CN200710042616 A CN 200710042616A CN 101330675 B CN101330675 B CN 101330675B
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Abstract
The invention discloses mobile payment terminal equipment for downloading payment application and magnetic track information of a bankcard and achieving payment function to solve the problems existing in the achievement of payment function of the bankcard. The mobile terminal equipment comprises an intelligent card for storing downloaded payment application and magnetic track information of the bankcard; a middleware for collecting input information of a user, transmitting to a card issuing system, receiving the returned payment application or the magnetic track information of the bankcard from the card issuing system and transferring to the intelligent card for storage; and a communication interface for inputting or outputting the magnetic track information of the bankcard stored in the intelligent card. Compared with the conventional bankcard, the mobile terminal equipment can achieve long-distance payment or short-distance non-contact payment function to facilitate use of the users. Moreover, the mobile terminal equipment has higher safety than using the bankcard.
Description
Technical field
The present invention relates to mobile terminal device, particularly relate to and a kind ofly be used for downloading payment and use and bank card magnetic track information, and realize the mobile terminal device of payment function.
Background technology
In the financial field, traditional modes of payments mainly realizes through bank card.Bank card used in everyday mainly is polytype magnetic card of each financial institution's distribution, like debit card, credit card, credit card etc., can realize various payment functions through multiple payment terminal such as ATM, bank self-aid apparatus etc.The use of bank card is very convenient.
But there is following shortcoming in the bank card of magnetic strip medium:
The first, bank card is after repeatedly using, and the magnetic track information easy abrasion on the card is lost;
The second, through punched-card machine issuing card bank card, the security of magnetic track information is relatively poor;
The 3rd, because magnetic stripe card only just can duplicate magnetic strip information with simple magnetic stripe read-write equipment, there is not controling mechanism, so stolen easily after losing;
The 4th, must carry many bank cards, to satisfy the multiple payment demand in actual the use;
The 5th, can not carry out the remote live transaction.
Summary of the invention
Technical matters to be solved by this invention provides a kind of mobile payment terminal device, is used for downloading payment and uses and bank card magnetic track information, and realize payment function, uses bank card to realize the existing problem of payment function to solve.
For solving the problems of the technologies described above,, the invention discloses following technical scheme according to specific embodiment provided by the invention:
A kind of mobile payment terminal device comprises:
Smart card is used to store the payment application and the bank card magnetic track information of download;
Middleware is used to collect the information that the user imports, and sends to card sending system; And, be transmitted to smart cards for storage from payment application or bank card magnetic track information that the card sending system reception is returned;
Communication interface is used to input or output the bank card magnetic track information of smart cards for storage.
Wherein, said smart card has encryption function, if download bank card magnetic track information, then said middleware is redispatched to card sending system after the information of user's input is delivered to the smart card encryption.
Wherein, the bank card magnetic track information of said smart cards for storage is an enciphered message.
Wherein, said communication interface comprises long-distance radio communication interface and/or closely contactless communication interface.
Wherein, said communication interface is arranged on the smart card, is perhaps provided by said mobile payment terminal device.
Wherein, said smart card is a SIM; Or separate with SIM, be embedded in the smart card in the equipment separately.
Wherein, the wireless communication mode between said mobile terminal device and the card sending system comprises note, USSD or wireless Internet.
According to specific embodiment provided by the invention, the invention discloses following technique effect:
A kind of mobile payment terminal device is provided, realizes mobile payment function.Said mobile terminal device is embedded with middleware and smart card, and said middleware is responsible for smart card and is connected with communication between the card sending system, and said smart card is responsible for storing payment application and the bank card magnetic track information of downloading from card sending system; Communication interface through mobile terminal device or smart card provide is exported bank card magnetic track information, can accomplish payment.Compare with traditional bank card, said mobile payment has the following advantages:
The first, magnetic track information is owing to be stored in the smart card of mobile terminal device, thus not easy to wear, can be for a long time effectively;
The second, to download payment through wireless communication mode and use and bank card magnetic track information, the security of magnetic track information is very high;
The 3rd, owing to the magnetic track information of downloading is encrypted, so be difficult for stolen after smart card is lost;
The 4th, easy to carry, mobile terminal device can built-in many bank cards;
The 5th, through the wireless communication interface that said mobile terminal device or smart card provide, can realize the remote live transaction.
And the said communication interface that is used for the input and output magnetic track information can be the long-distance radio communication interface, realizes remote download and payment; Also can be closely contactless communication interface, realize contactless field download and payment.Two kinds of interfaces can be set in the mobile terminal device, possess long-range and in-plant wireless downloading, payment function simultaneously.
Description of drawings
Fig. 1 is the structural representation of the said mobile terminal device of the embodiment of the invention;
Fig. 2 be the embodiment of the invention said with bank card information or payment application download to the synoptic diagram of portable terminal;
Fig. 3 is the said flow chart of steps that will pay application download to portable terminal of the embodiment of the invention;
Fig. 4 is that the embodiment of the invention is said with the flow chart of steps of download of information such as bank card magnetic track to portable terminal;
Fig. 5 is the response message structural drawing among Fig. 4 embodiment;
Fig. 6 is the mutual message structure figure between said hair fastener front end processor of the embodiment of the invention and the middleware;
Fig. 7 is the said flow chart of steps of accomplishing payment through portable terminal of the embodiment of the invention.
Embodiment
For make above-mentioned purpose of the present invention, feature and advantage can be more obviously understandable, below in conjunction with accompanying drawing and embodiment the present invention done further detailed explanation.
Mobile payment is meant both parties for certain goods or professional, the process of concluding the business through mobile device.The employed portable terminal of mobile payment can be mobile devices such as mobile phone, PDA, mobile PC.
With reference to Fig. 1, be the structural representation of said mobile terminal device.Said mobile terminal device is different from the mobile device of common use, the mobile device that has been meant intelligent card chip 11 (hereinafter to be referred as smart card 11) and middleware 12 embedded.Said mobile device will be paid information such as application and bank card magnetic track and download and be stored on the said smart card 11 from card sending system through middleware 12, make said smart card 11 possess the function of bank card.
Wherein, Said payment is used and is referred to the set of bank according to the one group of payment rule and the data storage of different storage mediums, security and convenience definition; For example application of IC cards such as stored value card, foreign payment card tissue such as VISA or MasterCard have also defined and have much similarly used.Information such as said bank card magnetic track are meant the information that is recorded on the magnetic stripe card, except that magnetic track information, also comprise card number, holder name, card failure period, card verifying sign indicating number etc.
Said middleware 12 is responsible between smart card 11 and card sending system, setting up and keeping data communication, and functions such as information input, function selecting are provided, and concrete function comprises:
For the payment application download, collect the purview certification information (as downloading authorization code) that the user imports on mobile device; For download of information such as bank card magnetic tracks, authentication information such as bank card number that the collection user imports or password are delivered to encryption in the embedded smart card 11 with the sensitive informations such as bank card password of user's input, and the result of acquisition encryption; Set up communication link with card sending system; With said purview certification information, or the ciphertext of sensitive information and other information of collecting, form message together and send to card sending system; Receive return message from card sending system, directly be forwarded to storage in the smart card 11 after parsing the information such as magnetic track that payment uses or encrypt.
Said smart card 11 provides storage and encryption function; For example the SIM of embedded in mobile phone is the concrete application of smart card at field of telecommunications, a similar computer that does not have display and keyboard; There are parts such as operating system, internal memory, EEPROM (similar hard disk, be used for canned data), CPU inside.Why smart card is " intelligence " card, exactly because it has parts such as the operating system that can set applied logic flexibly and CPU.
Can deposit plurality of applications in the smart card,, just be called SIM if deposited the application of telecommunications.Certainly, said SIM can also be preserved such as payment of bank card and use simultaneously.Wherein, every kind of application all comprises two kinds of data: key and the necessary data of application; Said key defines the logic of using, and protects through said logic application data.The smart card of depositing various application also can separate with SIM, is built in the mobile device separately.
The encryption function of smart card 11 is exactly to block stored one group key in advance, and outside use of encipher interface confession of definition key, and for example following interface has just defined the funcall of encrypting:
| CLA | INS | P1 | P2 | Lc | DATA | Le |
| 80 | F8 | KID | OP | Encrypting/decrypting data |
Table 1 is the funcall table that definition is encrypted
Wherein, the sign of key is called in the KID definition, and the OP definition is encrypted or decryption oprerations, the input information of DATA definition encrypt/decrypt.The smart card 11 that has defined above interface can carry out encryption with the user's input information that middleware 12 is sent here.
Mobile terminal device is built-in above-mentioned smart card 11 and middleware 12 just can be downloaded information such as various payment application and bank card magnetic track.And if the mobile device that has possessed payment function is realized also need passing through built-in communication interface by payment function, when delivery operation, bank card magnetic track information is exported, could accomplish payment.Said communication interface has information input and output function, in downloading process, is used to receive information such as payment application that input downloads through middleware or bank card magnetic track; In payment process, be used for the magnetic track information of storage is outputed to external unit.
Said communication interface can be provided by smart card 11, also can be provided by mobile terminal device.Usually; Application of IC cards is used the interface of a kind of APDU of being named as to come with the external unit communication or service is provided; Said APDU interface is communication interface, can the bank card magnetic track information of downloading be input to smart card through the APDU interface, perhaps outputs to accepting terminal; And then be transferred to transaction processing system through said accepting terminal and carry out transaction processing, realize the payment function of smart card.Certainly, said communication interface also can be arranged in the mobile device, can both store the input and output of data to being embedded in many sheet smart cards in the portable terminal.
And communication interface can be the long-distance radio communication interface, can realize remote download and remote live payment transaction; Can also be closely contactless communication interface, realize the transaction of contactless closely download and on-site payment.Said closely contactless communication interface is to be provided by built-in NFC chip, is used for realizing contactless function.Two kinds of interfaces can be set in the mobile terminal device, possess long-range and in-plant wireless downloading, payment function simultaneously.For example, through long-range or closely download possess payment function after, if can on-site payment, magnetic track information be just through closely contactless communication interface output; Then through the output of long-distance radio communication interface, the user is very convenient to use like this for remote payment if desired, magnetic track information.
Above-mentioned NFC technology (closely non-contact technology) be derived between wireless device " non-contact radio-frequency identification " (RFID) and interconnection technique; It can satisfy message exchange, access to content, service exchange between any two wireless devices; And make it more brief---if any two equipment near and do not need cable to patch, just can realize mutual communication.Said communication modes shortens " communication distance " between any two wireless devices greatly.For example, hold mobile phone in the hand before the advertising poster of a concert, near placard, just can realize being connected of mobile phone and placard website to mobile phone; Want the admission of buying tickets, can utilize the intelligent card payment ticket fee that is embedded in the mobile phone.NFC The Application of Technology that Here it is.
Based on above mobile terminal device, the embodiment of the invention also provides the method for down loading of corresponding payment application and magnetic track information.For clearly demonstrating said method for down loading, introduce the applied environment of said method earlier.With reference to Fig. 2, be said with information such as bank card magnetic track or payment application download synoptic diagram to portable terminal.In the diagram, mobile device 1 has been set up through wireless communication networks 3 with hair fastener front end processor 2 and has been connected, and hair fastener front end processor 2 wants data downloaded to be transferred to mobile device 1 through wireless communication mode mobile device 1.Wherein, Said wireless communication networks can be note, USSD (Unstructured Supplementary ServiceData; Being unstructured supplementary data traffic, is a kind of novel interactive data service based on the GSM network) or communication modes such as wireless Internet.
Said mobile device 1 has been meant smart card 11 embedded and the mobile device of middleware 12, as previously mentioned, is not described in detail in this.Said hair fastener front end processor 2 is used for information encryptions such as payment application and bank card magnetic track are transferred to the middleware 12 of mobile device 1; Information such as said bank card magnetic track can be stored on the hair fastener front end processor 2, also can be stored in card sending mechanism 4 or other the local hair fastener data gathering systems.If be stored in card sending mechanism 4, then hair fastener front end processor 2 is connected through private wore network network 5 with said card sending mechanism 4, and hair fastener front end processor 2 need obtain data download such as magnetic track from card sending mechanism 4.
Adopt mode shown in Figure 2 bank of issue card, before hair fastener, must have " bank card application " in the smart card." bank card application " is the application program of a special use, is used to provide the place of magnetic track information safety storing and uses interface." bank card application " is the above-mentioned application that is used to pay, and can download in the smart card through wireless communication mode, also can be pre-written in the smart card.Therefore, the application download that the described hair fastener mode of the embodiment of the invention needs will be used to pay earlier provides the space and use interface of a storage to portable terminal for payment informations such as magnetic tracks, could download the information such as bank card magnetic track that are used to pay then.
The process that information such as magnetic track were used and downloaded in payment is downloaded in explanation respectively below.
With reference to Fig. 3, be the said flow chart of steps that will pay application download to portable terminal.The so-called application download of download that payment is used, application download refer to that the hair fastener front end processor utilizes middleware that certain application safety ground is downloaded in the smart card (like SIM), and the download flow process is following:
After step 304, hair fastener front end processor are received the request of payment application download, confirm according to the download authorization code that comprises in the request whether the user possesses the download right.
Wherein, said encryption also can be adopted various encryption methods, like symmetric key or unsymmetrical key etc.But the encryption key of this step has only the hair fastener front end processor to use, and mobile device can't be known this key.
With reference to Fig. 4, be said with the flow chart of steps of download of information such as bank card magnetic track to portable terminal.
Step 401, the user selects to download information such as bank card magnetic track on the mobile device middleware.
Step 402, the user confirms after importing bank card information through middleware.Said bank card information comprises bank card number and password, is mainly used in hair fastener front end processor checking user's identity.
Step 403; After middleware send the built-in smart card of mobile device (like SIM) encryption with the authentication information of user's input; Middleware continues to read the characteristic information of mobile device; Static verify data as on smart card serial number and the smart card sends to the hair fastener front end processor through wireless communication networks afterwards.
Wherein, encryption can be adopted symmetric key or unsymmetrical key, also can be other cryptographic means.But it all is good through the certain mechanism as offered with the hair fastener front end processor encrypting employed key, otherwise the hair fastener front end processor just can't be deciphered.And said key all is stored in the smart card, and middleware can use, but does not know key.
Step 404, after the hair fastener front end processor is received the request of download of information such as bank card magnetic track, the static verify data that at first comprises in the checking request, the built-in bank card of affirmation mobile device is used legal and is not altered, and authentication failed will stop downloading process; Then utilize said arranging key that the authentication information of encrypting is deciphered after verifying successfully, then said authentication information is sent to corresponding mechanism, checking user's identity.
Step 405, through authentication, the hair fastener front end processor sends response message, and payment informations such as corresponding magnetic track compression back is encrypted, and the result of encryption sends to the middleware of mobile device as the part of message.Wherein, the structure of said response message is as shown in Figure 5: mainly comprise type of message, cardholder information, encrypted result, other satellite informations.The same, encryption key has only the hair fastener front end processor to use, and mobile device can't be known this key.
Step 406; After middleware is received response message, go out cardholder information and encrypted result, the payment informations of encrypting such as magnetic track are not dealt with according to the heading information analysis; Directly write in the smart card (like SIM), smart card is kept at controlled memory block with information.If response message is unsuccessful, then point out the application download failure.
Step 407, the success of middleware prompting user's download.
Above-mentioned payment application download and the downloading process of information such as magnetic track mainly contain 3 different:
One of which, carry out different authentications in two processes: in the payment application download, the hair fastener front end processor carries out the authentication of user's download authority through downloading authorization code; And in the magnetic track information downloading process, the hair fastener front end processor carries out the identification of user identity through static verify data and card number, encrypted message;
Its two, in the magnetic track information downloading process, which information middleware must distinguish is responsive (like password, magnetic track information etc.), which information is can unconcerned (like card name, card number etc.), and redispatches after sending smart card to encrypt the said sensitive information; And in the payment application download, middleware need not to know that the information of sending or receiving is ciphertext or plaintext, so directly the information of user's input is sent;
Its three, in the payment application download, because the data download amount that payment is used is bigger, so resolve into a plurality of data packet transmission; And the download of information such as magnetic track can be accomplished disposable transmission.
The embodiment of the invention is preferred, for guaranteeing the data interaction safety between hair fastener front end processor and the portable terminal middleware, in data transmission procedure, has carried out encrypting once more, guarantees the security of transmission course.With reference to shown in Figure 6, the mutual message between middleware and the hair fastener front end processor has been defined following structure: comprise type of message, action description, process key algorithm and seed, transmission sequence counter (SSC), message data etc.The difference of message shown in Figure 6 and message shown in Figure 5 is: the message of Fig. 6 is that promptly the message of Fig. 5 is the part of Fig. 6 message to the encapsulation of all transmission data in the transmission course.
In reciprocal process, the message initiator is defined as Sender, and the take over party is defined as Receiver.Reciprocal process is: Sender use key algorithm and seed generative process key, and use said process secret key encryption message data, will send sequence counter (SSC) and be changed to initial value 1; Process key seed, process key algorithm, SSC and encrypted messages data are formed message together send to Receiver; Receiver receives behind the message according to process key algorithm and process key seed rejuvenation key; And with said process secret key decryption message data; The information original text that obtains sending (also possibly still be ciphertext) decides how to handle decrypted data according to action description.
Through above-mentioned download flow process, just stored in the portable terminal that certain payment of having encrypted is used and personal user's information such as bank card magnetic track, mobile phone users can directly utilize the smart card (like SIM) in the mobile device to accomplish the bank paying function.With reference to Fig. 7, be the said flow chart of steps of accomplishing payment through portable terminal.
Step 703 is exported seed data, the process key algorithm of said encrypted result (PI) SK, generative process key SK together through said interface.
Adopt said method, user can download whenever and wherever possible payment use with payment informations such as magnetic track in mobile device, use very convenient, and safer quicker than traditional bank card issuing way.
To above-mentioned method for down loading, the present invention also provides corresponding download system, and specific embodiment can be referring to shown in Figure 2.Among the figure, said hair fastener front end processor 2, card sending mechanism 4 (possibly deposit information such as bank card magnetic track), private wore network network 5 are referred to as card sending system, and therefore said download system comprises mobile device 1, card sending system and wireless communication networks 3.Each building block of system is not described in detail in this as previously mentioned.
More than portable terminal provided by the present invention is obtained the method and system that bank card magnetic track information or payment are used; Carried out detailed introduction; Used concrete example among this paper principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, part all can change on embodiment and range of application.In sum, this description should not be construed as limitation of the present invention.
Claims (7)
1. a mobile payment terminal device is characterized in that, comprising:
Smart card is used to store the payment application and the bank card magnetic track information of download;
Middleware is used to collect the information that the user imports, and the information of said collection is formed message send to card sending system; And, be transmitted to smart cards for storage from payment application or bank card magnetic track information that the card sending system reception is returned;
Communication interface is used to input or output the bank card magnetic track information of smart cards for storage.
2. mobile terminal device according to claim 1 is characterized in that: said smart card has encryption function, if download bank card magnetic track information, then said middleware is redispatched to card sending system after the information of user's input is delivered to the smart card encryption.
3. mobile terminal device according to claim 1 is characterized in that: the bank card magnetic track information of said smart cards for storage is an enciphered message.
4. mobile terminal device according to claim 1 is characterized in that: said communication interface comprises long-distance radio communication interface and/or closely contactless communication interface.
5. mobile terminal device according to claim 4 is characterized in that: said communication interface is arranged on the smart card, is perhaps provided by said mobile payment terminal device.
6. mobile terminal device according to claim 1 is characterized in that: said smart card is a SIM; Or separate with SIM, be embedded in the smart card in the equipment separately.
7. mobile terminal device according to claim 1 is characterized in that: the wireless communication mode between said mobile terminal device and the card sending system comprises note, unstructured supplementary data traffic USSD or wireless Internet.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200710042616 CN101330675B (en) | 2007-06-20 | 2007-06-20 | Mobile payment terminal equipment |
| PCT/CN2008/071358 WO2008154872A1 (en) | 2007-06-20 | 2008-06-19 | A mobile terminal, a method and a system for downloading bank card information or payment application information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200710042616 CN101330675B (en) | 2007-06-20 | 2007-06-20 | Mobile payment terminal equipment |
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| CN101330675A CN101330675A (en) | 2008-12-24 |
| CN101330675B true CN101330675B (en) | 2012-12-19 |
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| CN 200710042616 Active CN101330675B (en) | 2007-06-20 | 2007-06-20 | Mobile payment terminal equipment |
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Families Citing this family (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102005087A (en) * | 2009-08-28 | 2011-04-06 | 中国银联股份有限公司 | Multi-bank-card-in-one device and method for payment by using same |
| CN101877835A (en) * | 2010-04-21 | 2010-11-03 | 钱袋网（北京）信息技术有限公司 | STK (SIM (Subscriber Identity Module) Tool Kit) business processing method and system as well as mobile terminal |
| CN102480725A (en) * | 2010-11-30 | 2012-05-30 | 中国银联股份有限公司 | Remote payment method |
| CN102663303A (en) * | 2012-04-17 | 2012-09-12 | 李凯 | Method for exercising permission by mobile equipment |
| CN104240080A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Realization method for mobile payment and device thereof |
| CN103729794A (en) * | 2013-12-17 | 2014-04-16 | 深圳怡化电脑股份有限公司 | Electronic currency circulating method |
| CN104200359A (en) * | 2014-09-01 | 2014-12-10 | 淄博思科电子技术开发有限公司 | Application method of payment encryption hardware applied to mobile equipment |
| CN106991346A (en) * | 2017-04-18 | 2017-07-28 | 东信和平科技股份有限公司 | The method and device of a kind of smart card issuing |
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