CN101458853A - On-line POS system and smart card on-line payment method - Google Patents

On-line POS system and smart card on-line payment method Download PDF

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Publication number
CN101458853A
CN101458853A CNA2007101720902A CN200710172090A CN101458853A CN 101458853 A CN101458853 A CN 101458853A CN A2007101720902 A CNA2007101720902 A CN A2007101720902A CN 200710172090 A CN200710172090 A CN 200710172090A CN 101458853 A CN101458853 A CN 101458853A
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China
Prior art keywords
server
pos
online
online pos
smart card
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Pending
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CNA2007101720902A
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Chinese (zh)
Inventor
张翔
郑琢非
余栖蛮
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JUSTIN MOBILE BUSINESS (SHANGHAI) CO Ltd
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JUSTIN MOBILE BUSINESS (SHANGHAI) CO Ltd
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Priority to CNA2007101720902A priority Critical patent/CN101458853A/en
Publication of CN101458853A publication Critical patent/CN101458853A/en
Pending legal-status Critical Current

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Abstract

The invention discloses an online POS system and a method thereof, for applying intelligent card in network payment to expand the application range of intelligent card and provide safety guarantee. The technical scheme is that the online POS system comprises an online POS system server for simulating the trade logic of POS terminal; an intelligent card for storing the data of cardholder; an online POS system client and a card reader. The card reader obtain response encryption from an intelligent card, the online POS client obtains the data of the card reader transmits the data via the internet to the online POS system server, and transmits received encrypted data of the online POS system server to the card reader to be decrypted and transmitted to the intelligent card, the card reader and the online POS system server have mutual authentication and message encryption mechanism. The online POS system further comprises a grocery retailer website server for generating orders and initializing an intelligent payment request to the online POS system server, and a POS terminal security identification module for processing trade security identification logic and security identification on transmitted data. The invention is applied in intelligent card payment technical field.

Description

A kind of online POS system and smart card on-line payment method
Technical field
The present invention relates to a kind of on-line payment method and on-line payment system, relate in particular to a kind of with the internet as communications conduit, with electronic fare payment system and the method for payment of smart card as data carrier.
Background technology
Smart card is used more and more widely at the very high commercial field of security requirement as data computation safety, that be easy to carry about with one and memory carrier.The holder is kept at sensitive information in the smart card, in the application scenario by the POS terminal to physically close contact of smart card or approaching, realize the exchanges data of safety between smart card and the application system, and then finish corresponding business, such as pay, supplement with money, gate inhibition etc.
But there is a restriction clearly in the application form of existing payment system and method: POS terminal and smart card must carry out exchanges data in very approaching physical space, no matter be, all have this problem by contact or contactless POS terminal.Therefore in the application of being undertaken by the internet, existing smart card POS terminal can not satisfy the demands.
Summary of the invention
The objective of the invention is to address the above problem, a kind of online POS system is provided, make smart card in the E-Payment business of carrying out, to be applied based on the internet, greatly enlarged the range of application of smart card, also made the security feature of smart card provide higher safety guarantee simultaneously for the E-Payment of being undertaken by the internet.
Technical scheme of the present invention is: the present invention proposes a kind of online POS system, comprising:
Online POS system server is at the logical transaction of server end simulation POS terminal;
Smart card, storage holder's secure data;
Online POS system client and card reader, after the response that this card reader obtains from this smart card is encrypted, obtain the data of this card reader and be sent to this online POS system server by online POS client by the internet, the enciphered data of this online POS system server that this online POS system client will receive from the internet sends to this card reader, send to this smart card by this card reader after to the deciphering of this enciphered data, wherein there are two-way authentication and message encryption mechanism between this card reader and this online POS system server, guarantee the security of transaction data in internet transmission;
The merchant website server receives the subscription request that the holder sends on the website, generate order, initiates the transaction request of intelligent card payment to this online POS system server;
POS terminal security identification module carries out the transaction security logic of authentication at server end, and the intelligent card data that transmits through this online POS system server is carried out the processing of safety certification.
Above-mentioned online POS system wherein, is constructed the data transmission link of safety based on symmetric encipherment algorithm between this card reader and this online POS system server.
Above-mentioned online POS system, wherein, the data transmission link of the safety of this structure and this smart card generation exchanges data are made amendment to the data on this smart card.
Above-mentioned online POS system, wherein, this online POS system server connects a smart card settlement center, and this smart card settlement center handles the payment transaction records that this online POS system server sends, and finishes the calculation process of settling accounts of whole transaction.
Above-mentioned online POS system, wherein, this online POS system client is by realizing in the operation web browser on computers.
The present invention proposes a kind of smart card on-line payment method, comprising:
Order goods that merchant website server reception holder proposes on the website and the request that requires intelligent card payment generate order;
The merchant website server is forwarded to online POS system server with this request, and this online POS system server adds the record of a correspondence according to this request, and the terminal computer activation is online POS system client;
Whether the terminal computer that this online POS system client is surveyed its place automatically links to each other with card reader, this card reader poll smart card success back is returned smart card to this online POS system client and is surveyed successful information, this online POS system client is initiated to communicate to connect request to this online POS system server by the internet, and smart card is surveyed successful information is transmitted to this online POS system server;
This online POS system server is initiated a cipher key agreement process by internet and this online POS system client to this card reader, after this card reader arranging key success, the information that returns success is given this online POS system server, both sides carry out two-way authentication and produce a process key by this cipher key agreement process, this process key in the subsequent communications process as the encryption key of this online POS system server and this card reader swap data, thereby between this online POS system server and this smart card the data transmission link of a safety of formation;
This online POS system server sends the financial application of selecting to support payment function by this data transmission link to this smart card, this smart card utilizes this data transmission link to return card issuer sign and application sequence number to this online POS system server, this online POS system server is handled legitimacy with this smart card of verification to the data of the smart card that returns, then to the used consumption cipher key index of POS terminal security identification module request payment transaction number, this POS terminal security identification module returns the POS terminal number related with the trade company that concludes the business and consumption cipher key index number to this online POS system server;
This online POS system server sends the consumption initialization directive to this smart card, this smart card returns offline transaction sequence number, random number and consumption key version number to this online POS system server, this online POS system server calculates first Message Authentication Code of consumer sale according to this POS terminal security identification module of the request of data of receiving, proves that to this smart card this transaction is to carry out with a legal POS terminating machine;
This online POS system server sends to this smart card and consumes the instruction of withholing, this first Message Authentication Code of receiving is transmitted to this smart card, this smart card carries out verification to it after receiving this first Message Authentication Code, and calculate second Message Authentication Code and the authentication code of concluding the business, return to this online POS system server, this online POS system server is asked this POS terminal security identification module verification second Message Authentication Code after receiving this second Message Authentication Code and this transaction authentication code, proves that this transaction is to carry out with a legal smart card;
This POS terminal security identification module is with this online POS system server of message informing of this second Message Authentication Code verification succeeds, this online POS system server sends the intelligent card payment transaction record to smart card settlement center, the state that upgrades the smart card transaction record after receiving the successful response of transmission is successfully, and will this online POS system client sending the information of payment transaction success, this online POS system server is to the information of this merchant website server transmission payment transaction success simultaneously.
Above-mentioned smart card on-line payment method, wherein, this online POS system server comprises the terminal computer activation for the process of online POS system client:
The JAVA APPLET program that this online POS system server will comprise online POS system client end interface by browser downloads in this terminal computer;
In browser, activate the online POS system client of this JAVA APPLET program representative.
Above-mentioned smart card on-line payment method, wherein, this process key as the encryption key of this online POS system server and this card reader swap data, comprising in the subsequent communications process:
This online POS system server sends to the instruction of this smart card earlier by sending to this card reader after this process secret key encryption, and this card reader utilizes this process key to be decrypted after receiving enciphered data, and the instruction after will deciphering sends to this smart card;
This card reader is after receiving the response data of this smart card, utilize this process secret key encryption to return to this online POS system server more earlier, this online POS system server utilizes this process key to be decrypted after receiving the enciphered data of returning, and response is handled to the card after the deciphering.
Above-mentioned smart card on-line payment method, wherein, this first Message Authentication Code, this second Message Authentication Code and this transaction authentication code meet " PBOC standard 2.0 ".
Above-mentioned smart card on-line payment method, wherein, the data transmission link between this card reader and this online POS system server is based on symmetric encipherment algorithm structure.
The present invention contrasts prior art following beneficial effect: the present invention concentrates the service logic of smart card POS terminal to a server, the data link of the safety that forms by the internet between smart card and server makes smart card and server swap data safely.Simulated the service logic of POS terminal at server, server can be simulated a plurality of POS terminals, unique certain trade company that belongs to of the POS terminal that is simulated, and connect by safety and to dock with the online transaction system of trade company.The contrast prior art, the present invention has realized the logical transaction of POS terminal by online POS system server, the physical restriction of conventional P OS terminal to the payment transaction distance that made breaking through of payment transaction.The transaction security logic of authentication of the present invention by realizing at server end makes the safety certification of payment transaction break through the physical restriction of conventional P OS terminal.In addition, the present invention has guaranteed transaction data safety of transmission on the internet by the two-way authentication and the message encryption mechanism of POS card reader and online POS system server.
Description of drawings
Fig. 1 is the structural drawing of the preferred embodiment of online POS system of the present invention.
Fig. 2 is the process flow diagram of the preferred embodiment of smart card on-line payment method of the present invention.
Embodiment
The invention will be further described below in conjunction with drawings and Examples.
Fig. 1 shows the structure of online POS system of the present invention.See also Fig. 1, online POS system 10 comprises: smart card 11, card reader 12, online POS system client (PSC) 13, merchant website server 14, online POS system server (PSS) 15 and POS terminal security identification module (PSAMP) 16.Wherein link to each other by internet 17 between merchant website server 14, online POS system client 13 and the online POS system server 15.
Online POS system server 15 can simulate a plurality of POS terminals in the logical transaction function of server end simulation POS terminating machine, certain trade company of the unique ownership of POS terminal that is simulated, and pass through to connect safely to dock with the online transaction system of this trade company.The service logic of traditional smart card POS terminal is concentrated in this online POS system server 15.The online POS system server 15 main three big processing procedures of implementing: by the data transmission link of internet 17 with online POS system client 13 and a safety of card reader 12 structures, structure is by utilizing symmetric encipherment algorithm to realize between online POS system server 15 and card reader 12 (1); (2) data transmission link of the safety by system constructing and smart card 11 generation exchanges data; (3) online POS system server 15 is made amendment to the data of smart card 11 according to the requirement of payment transaction.
Online POS system client 13 can be the application in the operation web browser on computers.Online POS system client 13 is sent to online POS system server 15 by internet 17 after the data of obtaining card reader 12.The data of online POS system client 13 17 online POS system servers 15 that receive from the internet send to card reader 12.In addition, online POS system client 13 provides human-computer interaction interface for the holder in the payment transaction process.
Send to smart card 11 after the encrypted instruction deciphering of the online POS system server 15 that card reader 12 obtains from online POS system client 13 and internet 17.The response that card reader also will obtain from smart card 11 is encrypted the back and is returned to online POS system server 15 by online POS system client 13 and internet 17.
Smart card 13 can be contact or contactless IC-card, is used for preserving in E-Payment holder's secure data, as account balance, transaction record etc., is holder's evidence for payment.
Merchant website server 14 provides the transaction of commodity or service, the holder selects own required commodity or service on merchant website, generate order, and initiate the transaction request of intelligent card payment by this merchant website server 14 to online POS system server 15.
POS terminal security identification module 16 carries out the transaction security logic of authentication at server end, according to the payment standard of smart card 11, the intelligent card data that transmits through online POS system server 15 is carried out the processing of safety certification, thereby ensure the safety of payment transaction.
Also be connected to smart card settlement center 18 outside the online POS system 10, the server of this settlement center 18 links to each other with online POS system server 15.Settlement center 18 is not an ingredient of online POS system 10, but one meets the smart card account clearing entity that payment transaction requires.Settlement center 18 handles by the payment transaction records that online POS system server 15 is sended over, and finishes the calculation process of settling accounts of whole transaction.
Based on above-mentioned online POS system, the invention allows for smart card on-line payment method as shown in Figure 2.Generally speaking, smart card on-line payment method is divided into two stages: the phase one is card reader 12 authentication phases, realizes the two-way authentication of online POS system server 15 and card reader 12 by the cipher key agreement process of online POS system server 15 and card reader 12 in this stage; Subordinate phase is the intelligent card payment transactional stage, and this stage is finished the payment transaction of IC-card according to " consumer sale " of " PBOC standard 2.0 " definition.
Detailed process sees also Fig. 2, is the detailed description to each step among the embodiment of smart card on-line payment method below.
Step S100: the holder visits merchant website server 14 in browser 19, and commodity or service that selection is bought generate order, selects to adopt smart card to pay.
Step S101: holder's Payment Request is forwarded to online POS system server 15 by merchant website server 14.
Step S102: online POS system server 15 adds a new payment transaction records related with this trade company (being initialization consumer sale record) in database.
Step S103: the JAVAAPPLET program that online POS system server 15 will comprise online POS system client 13 interfaces downloads in holder's the terminal computer by browser 19.
Step S104: the online POS system client 13 that in browser 19, activates this JAVA APPLET program representative.
Step S105: whether the terminal computer that online POS system client 13 is surveyed its place automatically links to each other with card reader 12, and the prompting holder places card reader 12 appreciable positions with smart card 11.
Step S106: after 11 successes of card reader 12 poll smart cards, return smart card to online POS system client 13 and survey successful information, online POS system client 13 is initiated to communicate to connect request to online POS system server 15 by the internet, and smart card is surveyed successful information is transmitted to online POS system server 15.
Step S107: online POS system server 15 is initiated a cipher key agreement process by internet and online POS system client 13 to card reader 12.
Step S108: after the success of card reader 12 arranging keys, the information that returns success is given online POS system server 15.
Online POS system server 15 and card reader 12 have been carried out two-way authentication by the process of step S107~S108 and have been produced a process key, this process key will be in follow-up communication process as the encryption key of swap data between online POS system server 15 and the card reader 12.That is to say, online POS system server 15 sends to the instruction of smart card 11 earlier will be with sending to card reader 12 after this process secret key encryption, card reader 12 utilize this process key to be decrypted, and the instruction after will deciphering sends to smart card 11 after receiving enciphered data; Otherwise, card reader 12 earlier will be with this process secret key encryption after the response data of receiving smart card 11, return to online POS system server 15 again, online POS system server 15 utilizes this process key to be decrypted after receiving the enciphered data of returning, and 11 responses are handled to the smart card after the deciphering.Thus, form an escape way (i.e. An Quan data transmission link) between online POS system server 15 and smart card 11, its structure is based on that symmetric encipherment algorithm carries out.
Step S109: online POS system server 15 sends the financial application of selecting payment function by the escape way of above-mentioned formation to smart card 11.
Step S110: smart card 11 utilizes escape way to return contents such as card issuer sign, application sequence number to online POS system server 15.
Step S111: 15 pairs of intelligent card datas that return of online POS system server are handled the legitimacy with verification smart card 11.
Step S112: online POS system server 15 is to the used consumption cipher key index of POS terminal security identification module 16 request payment transactions number.
Step S113:POS terminal security identification module 16 returns POS terminal number related with the trade company that concludes the business and consumption cipher key index number to online POS system server 15.
Step S114: online POS system server 15 sends the consumption initialization directive to smart card 11.
Step S115: smart card 11 returns offline transaction sequence number, random number and consumption key version number to online POS system server 15.
Step S116: online POS system server 15 calculates the MAC1 of consumer sale according to the request of data POS terminal security identification module of receiving 16.MAC1 is Message Authentication Code 1, is in order to prove that to smart card the transaction of carrying out this moment is to carry out with certain legal POS terminating machine.The definition of MAC1 and account form are determined by existing " PBOC standard 2.0 ".
Step S117:POS terminal security identification module 16 returns to online POS system server 15 after calculating MAC1.
Step S118: online POS system server 15 sends to smart card 11 and consumes the instruction of withholing, and the MAC1 that receives is transmitted to smart card 11.
Step S119: smart card 11 carries out verification to it after receiving MAC1, and calculates MAC2 and TAC.MAC2 is consumption authentication code 2, be for the transaction of carrying out this moment to online POS system server 15 proofs be that smart card 11 with certain opening and closing method carries out.TAC is the transaction authentication code.The definition of MAC2 and TAC and account form are determined by existing " PBOC standard 2.0 ".
Step S120: smart card 11 returns to online POS system server 15 with MAC2 and the TAC that calculates.
Step S121: online POS system server 15 is asked POS terminal security identification module 16 verification MAC2 after receiving MAC2 and TAC.
Step S122:POS terminal security identification module 16 is with the online POS system server 15 of the message informing of MAC2 verification succeeds.
Step S123: online POS system server 15 sends the intelligent card payment transaction record to smart card settlement center, and the state that upgrades the smart card transaction record after receiving the successful response of transmission is successfully.
Step S124: online POS system server 15 sends the information of payment transaction success to online POS system client 13.
Step S125: online POS system server 15 sends the information of payment transaction success to merchant website server 14.
The foregoing description provides to those of ordinary skills and realizes or use of the present invention; those of ordinary skills can be under the situation that does not break away from invention thought of the present invention; the foregoing description is made various modifications or variation; thereby protection scope of the present invention do not limit by the foregoing description, and should be the maximum magnitude that meets the inventive features that claims mention.

Claims (10)

1, a kind of online POS system comprises:
Online POS system server is at the logical transaction of server end simulation POS terminal;
Smart card, storage holder's secure data;
Online POS system client and card reader, after the response that this card reader obtains from this smart card is encrypted, obtain the data of this card reader and be sent to this online POS system server by online POS client by the internet, the enciphered data of this online POS system server that this online POS system client will receive from the internet sends to this card reader, send to this smart card by this card reader after to the deciphering of this enciphered data, wherein there are two-way authentication and message encryption mechanism between this card reader and this online POS system server, guarantee the security of transaction data in internet transmission;
The merchant website server receives the subscription request that the holder sends on the website, generate order, initiates the transaction request of intelligent card payment to this online POS system server;
POS terminal security identification module carries out the transaction security logic of authentication at server end, and the intelligent card data that transmits through this online POS system server is carried out the processing of safety certification.
2, online POS system according to claim 1 is characterized in that, constructs the data transmission link of safety between this card reader and this online POS system server based on symmetric encipherment algorithm.
3, online POS system according to claim 1 is characterized in that, the data transmission link of the safety of this structure and this smart card generation exchanges data are made amendment to the data on this smart card.
4, online POS system according to claim 1, it is characterized in that, this online POS system server connects a smart card settlement center, and this smart card settlement center handles the payment transaction records that this online POS system server sends, and finishes the calculation process of settling accounts of whole transaction.
5, online POS system according to claim 1 is characterized in that, this online POS system client is by realizing in the operation web browser on computers.
6, a kind of smart card on-line payment method comprises:
Order goods that merchant website server reception holder proposes on the website and the request that requires intelligent card payment generate order;
The merchant website server is forwarded to online POS system server with this request, and this online POS system server adds the record of a correspondence according to this request, and the employed terminal computer activation of holder is online POS system client;
Whether the terminal computer that this online POS system client is surveyed its place automatically links to each other with card reader, this card reader poll smart card success back is returned smart card to this online POS system client and is surveyed successful information, this online POS system client is initiated to communicate to connect request to this online POS system server by the internet, and smart card is surveyed successful information is transmitted to this online POS system server;
This online POS system server is initiated a cipher key agreement process by internet and this online POS system client to this card reader, after this card reader arranging key success, the information that returns success is given this online POS system server, both sides carry out two-way authentication and produce a process key by this cipher key agreement process, this process key in the subsequent communications process as the encryption key of this online POS system server and this card reader swap data, thereby between this online POS system server and this smart card the data transmission link of a safety of formation;
This online POS system server sends the financial application of selecting to support payment function by this data transmission link to this smart card, this smart card utilizes this data transmission link to return card issuer sign and application sequence number to this online POS system server, this online POS system server is handled legitimacy with this smart card of verification to the data of the smart card that returns, then to the used consumption cipher key index of POS terminal security identification module request payment transaction number, this POS terminal security identification module returns the POS terminal number related with the trade company that concludes the business and consumption cipher key index number to this online POS system server;
This online POS system server sends the consumption initialization directive to this smart card, this smart card returns offline transaction sequence number, random number and consumption key version number to this online POS system server, this online POS system server calculates first Message Authentication Code of consumer sale according to this POS terminal security identification module of the request of data of receiving, proves that to this smart card this transaction is to carry out with a legal POS terminating machine;
This online POS system server sends to this smart card and consumes the instruction of withholing, this first Message Authentication Code of receiving is transmitted to this smart card, this smart card carries out verification to it after receiving this first Message Authentication Code, and calculate second Message Authentication Code and the authentication code of concluding the business, return to this online POS system server, this online POS system server is asked this POS terminal security identification module verification second Message Authentication Code after receiving this second Message Authentication Code and this transaction authentication code, proves that this transaction is to carry out with a legal smart card;
This POS terminal security identification module is with this online POS system server of message informing of this second Message Authentication Code verification succeeds, this online POS system server sends the intelligent card payment transaction record to smart card settlement center, the state that upgrades the smart card transaction record after receiving the successful response of transmission is successfully, and will this online POS system client sending the information of payment transaction success, this online POS system server is to the information of this merchant website server transmission payment transaction success simultaneously.
7, smart card on-line payment method according to claim 6 is characterized in that, this online POS system server comprises the terminal computer activation for the process of online POS system client:
The JAVA APPLET program that this online POS system server will comprise online POS system client end interface by browser downloads in this terminal computer;
In browser, activate the online POS system client of this JAVA APPLET program representative.
8, smart card on-line payment method according to claim 6 is characterized in that, this process key as the encryption key of this online POS system server and this card reader swap data, comprising in the subsequent communications process:
This online POS system server sends to the instruction of this smart card earlier by sending to this card reader after this process secret key encryption, and this card reader utilizes this process key to be decrypted after receiving enciphered data, and the instruction after will deciphering sends to this smart card;
This card reader is after receiving the response data of this smart card, utilize this process secret key encryption to return to this online POS system server more earlier, this online POS system server utilizes this process key to be decrypted after receiving the enciphered data of returning, and response is handled to the card after the deciphering.
9, smart card on-line payment method according to claim 6 is characterized in that, this first Message Authentication Code, this second Message Authentication Code and this transaction authentication code meet " China's finance integrated circuit IC-card electronic wallet/electronic passbook standard v2.0 ".
10, smart card on-line payment method according to claim 6 is characterized in that, the data transmission link between this card reader and this online POS system server is based on symmetric encipherment algorithm structure.
CNA2007101720902A 2007-12-11 2007-12-11 On-line POS system and smart card on-line payment method Pending CN101458853A (en)

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CN103905388A (en) * 2012-12-26 2014-07-02 中国移动通信集团广东有限公司 Authentication method, authentication device, smart card, and server
CN103971139A (en) * 2013-01-29 2014-08-06 上海易销电子商务有限公司 IC-card remote operation system and method
CN104348610A (en) * 2013-07-31 2015-02-11 中国银联股份有限公司 Method and system for securely transmitting transaction sensitive data based on cloud POS
CN105096113A (en) * 2014-05-13 2015-11-25 苏州海博智能系统有限公司 Mobile payment method and device
CN104199780A (en) * 2014-09-24 2014-12-10 福建联迪商用设备有限公司 Method and system testing POS application program
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CN105138892A (en) * 2015-08-06 2015-12-09 深圳市文鼎创数据科技有限公司 Data interaction method and apparatus applied to composite smart card device
CN105930751A (en) * 2015-08-26 2016-09-07 中国银联股份有限公司 IC card reader and instruction processing method thereof, server, and payment system
CN106709727A (en) * 2016-12-07 2017-05-24 深圳市久和久科技有限公司 Intelligent card management method and system thereof, terminal and card service management apparatus
CN107038824A (en) * 2017-04-21 2017-08-11 深圳国微技术有限公司 A kind of POS terminal processing method and POS
CN107994986A (en) * 2017-12-22 2018-05-04 记忆科技(深圳)有限公司 A kind of renewable TF card of Encryption Algorithm and method
TWI647942B (en) * 2017-12-28 2019-01-11 中華電信股份有限公司 A system and method for accessing and authenticating an electronic certificate
CN109474929A (en) * 2018-12-29 2019-03-15 飞天诚信科技股份有限公司 Power consumption mode adjusting method, device, electronic equipment and computer readable storage medium
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