CN101477662A - Network payment system, apparatus and method based on USBKEY - Google Patents
Network payment system, apparatus and method based on USBKEY Download PDFInfo
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- CN101477662A CN101477662A CNA200910008957XA CN200910008957A CN101477662A CN 101477662 A CN101477662 A CN 101477662A CN A200910008957X A CNA200910008957X A CN A200910008957XA CN 200910008957 A CN200910008957 A CN 200910008957A CN 101477662 A CN101477662 A CN 101477662A
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Abstract
The invention provides an online payment system based on USBKEY, and a device and a method thereof. The invention comprises a merchant money-collecting terminal, a payment platform system, the USBKEY of a client, the mobile phone of the client and other parts, wherein, the merchant money-collecting terminal is connected with a dedicated input device; accounts of the payment platform system are registered by both merchants and clients; and an individual digital certificate corresponding to a registered account is stored in the USBKEY of the client. All you need to do for payment is to input a transaction password when the merchant inputs amount receivable after logging on the payment platform system by using the payment platform system client software which is mounted in the merchant money-collecting terminal, and the client inserts the USBKEY into a dedicated input device which is connected with the merchant terminal. The invention makes full use of the prior resources which are already very popular such as the internet, the computer, the mobile phone and the like, thereby extending the application field of the prior online payment system.
Description
Technical field
The present invention relates to a kind of system, device and method of online payment, relate in particular to a kind of online payment system, device and method based on USBKEY.
Background technology
Along with the progress and the Development of E-business of computer technology and network technology, online payment has become a kind of transaction payment mode commonly used.
Yet people just just adopt now the mode of online payment by shopping at network the time, and client still can only be by brushing bank card or paying in cash when consuming in entity trade company.
Payment demand when at present also not having a kind of online payment system can satisfy people well to consume in entity trade company.
Summary of the invention
The present invention proposes a kind of online payment system based on USBKEY, device and method, can pay by the mode of online payment easily when client is consumed in entity trade company.
Online payment system of the present invention comprises several parts compositions such as trade company's cash receiving terminal, payment platform system, client's USBKEY, client's mobile phone, wherein:
Trade company's cash receiving terminal is connected with special-purpose input media;
Trade company and client have all registered account in the payment platform system.
Special-purpose input media of the present invention is used for realizing client and the mutual function of payment platform system information, is made of necessity such as code keypad, USBKEY socket, LCDs part.
In the trade company of the present invention cash receiving terminal payment system client software is installed, be used for realizing the operation that login payment platform system of trade company collects money, and this software has the function of the information of transmitting with USBKEY and payment platform system encryption.
Each uses the user that USBKEY concludes the business all need have account in the payment platform system registry, and during registration, except that account name and login password, also must reserve personal mobile phone number, the individual pet name, payment cipher.
The payment platform system generates a personal digital certificate corresponding with the account simultaneously for each registered user generates an account, and, personal digital certificate is downloaded among the USBKEY, be presented to corresponding registered user.
When client consumes payment in entity trade company, adopt the step of online payment system payment of the present invention to be:
S1, trade company are by payment system client software login payment platform system;
The identity of S2, this trade company of payment platform system verification and the availability of merchant account;
S3, payment platform require trade company's input receivables amount of money by trade company's cash receiving terminal;
S4, trade company are by trade company's cash receiving terminal input and affirmation amount receivable;
S5, payment platform system request client's personal digital certificate;
S6, client provide personal digital certificate by special-purpose input equipment to the payment platform system;
The availability of S7, payment platform system verification client's identity and clients account;
S8, payment platform system return client's the pet name and amount payable;
S9, client confirm the individual pet name and amount payable by special-purpose input equipment;
S10, payment platform system request client's payment cipher;
S11, client agree payment funding by special-purpose input equipment input payment cipher;
S12, payment platform system transfer to the corresponding amount of money on the merchant account from clients account;
S13, payment platform system return the information of customer payment success by special-purpose input equipment;
S14, payment platform system return Transaction Success information by trade company's cash receiving terminal;
S15, payment platform system send the SMS notification that comprises this dealing money to the phone number that client reserves.
In the online payment system of the present invention, trade company's cash receiving terminal and special-purpose input equipment can substitute with the mobile phone of trade company, can realize the function of collecting money equally.At this moment the mobile phone of trade company need connect the internet and payment system mobile phone version client software is installed, and an external data in mobile phone connecting line.
Data in mobile phone connecting line of the present invention, an end are the data-interface of mobile phone, and the other end is the USBKEY socket.
The invention has the beneficial effects as follows: people need not to carry cash and bank card, and a small and exquisite USBKEY just can carry out conveniently at solid shop/brick and mortar store, the payment of safety as long as carry, and needn't rely on the POS of Unionpay network system; The present invention has made full use of existing resources such as the internet of popularizing very much, computing machine, mobile phone, has expanded the application of existing online payment system greatly.
Description of drawings
The present invention is further described below in conjunction with accompanying drawing.
Fig. 1 is payment flow figure of the present invention
Fig. 2 is the one-piece construction synoptic diagram of system of the present invention
2. trade company's cash receiving terminals among the figure, 3. internet, 4. payment platform system, 5. merchant account, 6. clients account, 7. special-purpose input media, 9. client's USBKEY, 10. cell phone network, 11. client's mobile phone, 701. the USBKEY socket of special-purpose input media, the LCDs of 702. special-purpose input medias, the code keypad of 703 special-purpose input medias.
Fig. 3 is of the present invention with the entire system structural representation of mobile phone as trade company's cash receiving terminal
The mobile phone of 1. trade companies among the figure, 3. internet, 4. payment platform system, 5. merchant account, 6. clients account, 8. data in mobile phone connecting line, 9. client's USBKEY, 10. cell phone network, 11. clients' mobile phone, the USBKEY socket of 801. data connecting lines.
Embodiment
In order more clearly to introduce technical scheme of the present invention, below in conjunction with specific embodiment, and with reference to the accompanying drawings, the present invention is described in more detail.
Embodiment one, usually with the situation of computing machine as trade company's cash receiving terminal:
As shown in Figure 2, client is after trade company's place's consumption, trade company is on trade company's cash receiving terminal 1, operation payment system client software, sign in to payment platform system 4 by internet 3, the availability of payment platform system 4 checking merchant identification and merchant account 5, verify qualified after, payment platform system requirements trade company imports the receivables amount of money;
After trade company's input amount receivable sends to payment platform system 4, the personal digital certificate that payment platform system 4 asks clients by internet 3 and trade company's cash receiving terminal 1 to the special-purpose input media 7 that is attached thereto;
The USBKEY 9 that client will have personal digital certificate is inserted on the USBKEY socket 701 of special-purpose input media, personal digital certificate is sent to payment platform system 4, payment platform system 4 is according to client's the personal digital certificate checking client's identity and the availability of clients account 6, verify qualified after, the individual pet name and the amount payable reserved when payment platform system 4 registers client send to special-purpose input media 7, and are presented on the LCDs 702 of special-purpose input media;
After the code keypad 703 of client by special-purpose input media confirmed the individual pet name and amount payable that payment platform systems 4 send, payment platform system 4 was by special-purpose input media 7, the payment cipher of request clients account;
Client is by the code keypad 703 input payment ciphers of special-purpose input media, payment platform system 4 validation of payment passwords, after being proved to be successful, the corresponding amount of money is transferred on the merchant account 5 by clients account 6, and after finishing, return the successful information of payment to special-purpose input media 7, confirm through client, finish payment;
After paying successfully, payment platform system 4 sends Transaction Success information by internet 3 to trade company's cash receiving terminal 1, confirms through trade company, finishes this transaction;
Simultaneously, payment platform system 4 is by the mode of cell phone network 10 with SMS, and the information that will comprise this dealing money sends on client's the mobile phone 11.
Embodiment two, with the situation of mobile phone as trade company's cash receiving terminal:
Current, people's mobile phone can connect the internet, and much application software can be installed, therefore, the mobile phone of trade company also can be used as trade company's cash receiving terminal as long as payment system mobile phone version client software is installed and is connect a data in mobile phone connecting line, realizes gathering functions.
As shown in Figure 3, after client and merchant transaction, trade company starts the payment system mobile phone version client software in the mobile phone 2 that is installed on trade company, sign in to payment platform system 4 by internet 3, the availability of payment platform system 4 checking merchant identification and merchant account 5, verify qualified after, payment platform system 4 is by the mobile phone 2 request receivables amount of money of internet 3 to trade company;
After trade company's input amount receivable sent to payment platform system 4, payment platform system 4 was by the personal digital certificate of internet 3 to the mobile phone 2 request clients of trade company, and at this moment trade company is delivered to mobile phone in client's hand;
The USBKEY 9 that client will have personal digital certificate is inserted on the USBKEY socket 801 of the data in mobile phone connecting line that links to each other with the mobile phone 2 of trade company, personal digital certificate is sent to payment platform system 4, payment platform system 4 is according to client's the personal digital certificate checking client's identity and the availability of clients account 6, verify qualified after, the mobile phone 2 that the individual pet name that payment platform system 4 reserves when by internet 3 client being registered and amount payable send to trade company;
After client confirmed the individual pet name and amount payable that payment platform systems 4 send with the mobile phone 2 of trade company, payment platform system 4 was by the mobile phone 2 of trade company, the payment cipher of request clients account;
Client imports payment ciphers with the mobile phone 2 of trade company, payment platform system 4 validation of payment passwords, after being proved to be successful, the corresponding amount of money is transferred on the merchant account 5 by clients account 6, and the mobile phone 2 to trade company returns the successful information of payment after finishing, after client confirms to pay successful information, the mobile phone of trade company is returned in trade company's hand;
Payment platform system 4 sends Transaction Success information by internet 3 to the mobile phone 2 of trade company, confirms through trade company, finishes this transaction.
Simultaneously, payment platform system 4 is by the mode of cell phone network 10 with SMS, and the information that will comprise this dealing money sends on client's the mobile phone 11.
Above-mentioned statement is only for better explaining and understand purpose of the present invention and technical scheme, but not is used for limiting embodiment of the present invention.Obviously, those skilled in the art can carry out various changes and distortion to the present invention, and is within the spirit and principles in the present invention all, any modification of being made, is equal to and replaces and improve, and all should be included within protection scope of the present invention.
Claims (10)
1, a kind of online payment system based on USBKEY is characterized in that, this system comprises trade company's cash receiving terminal, payment platform system, client's USBKEY, client's mobile phone, wherein:
Trade company's cash receiving terminal is connected with special-purpose input media;
Trade company and client all have account in the payment platform system registry.
2, online payment system as claimed in claim 1 is characterized in that, trade company and client except that account name and account password, also must reserve: personal mobile phone number, the individual pet name and payment cipher when the account of payment platform system registry.
3, online payment system as claimed in claim 1 is characterized in that, has the personal digital certificate of payment platform system distribution among client's the USBKEY, and this digital certificate is corresponding with its account in the payment platform system.
4, online payment system as claimed in claim 1, it is characterized in that, the special-purpose input media that is connected with the trade company cash receiving terminal is used for realizing client and the interactive operation of payment platform system information, and its necessary ingredient is: USBKEY socket, LCDs, code keypad.
5, online payment system as claimed in claim 1, it is characterized in that, the payment system client software is installed in trade company's cash receiving terminal, be used for realizing the operation that login payment platform system of trade company collects money, and this software has the function of the information of transmitting with USBKEY and payment platform system encryption.
6, online payment system as claimed in claim 1, it is characterized in that, trade company's gathering is used same Tianwan businessman family cash receiving terminal with customer payment, only show trade company's amount receivable and the whether successful information of transaction on this cash receiving terminal, and do not show and keep mutual information between any client and the payment platform system.
7, online payment system as claimed in claim 1 is characterized in that, after the payment platform system receives client's digital certificate, comprises in the information of returning: the individual pet name and the amount payable reserved when client registers.
8, online payment system as claimed in claim 1 is characterized in that, trade company's cash receiving terminal and special-purpose input equipment can connect a data in mobile phone connecting line with the mobile phone of trade company and substitute.
9, online payment system as claimed in claim 8, it is characterized in that, payment system mobile phone version client software is installed in the mobile phone of trade company, be used for realizing the operation that login payment platform system of trade company collects money, and this software has the function of the information of transmitting with USBKEY and payment platform system encryption.
10, online payment system as claimed in claim 8 is characterized in that, an end of data in mobile phone connecting line is the data in mobile phone interface, and the other end is the USBKEY socket.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200910008957XA CN101477662A (en) | 2009-02-16 | 2009-02-16 | Network payment system, apparatus and method based on USBKEY |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200910008957XA CN101477662A (en) | 2009-02-16 | 2009-02-16 | Network payment system, apparatus and method based on USBKEY |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101477662A true CN101477662A (en) | 2009-07-08 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200910008957XA Pending CN101477662A (en) | 2009-02-16 | 2009-02-16 | Network payment system, apparatus and method based on USBKEY |
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| Country | Link |
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| CN (1) | CN101477662A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102411746A (en) * | 2010-09-26 | 2012-04-11 | 中国移动通信有限公司 | Payment confirming method, and apparatus and service platform device for the same |
| WO2015011607A1 (en) * | 2013-07-24 | 2015-01-29 | International Business Machines Corporation | Automatic rotation of display contents of a handheld companion device rigidly attached to a handheld mobile device |
| CN104408622A (en) * | 2014-12-10 | 2015-03-11 | 公安部第三研究所 | System and method for confirming electronic trade based on independent password equipment |
-
2009
- 2009-02-16 CN CNA200910008957XA patent/CN101477662A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102411746A (en) * | 2010-09-26 | 2012-04-11 | 中国移动通信有限公司 | Payment confirming method, and apparatus and service platform device for the same |
| WO2015011607A1 (en) * | 2013-07-24 | 2015-01-29 | International Business Machines Corporation | Automatic rotation of display contents of a handheld companion device rigidly attached to a handheld mobile device |
| GB2530703A (en) * | 2013-07-24 | 2016-03-30 | Ibm | Automatic rotation of display contents of a hand held companion device ridgidly attached to a handheld mobile device |
| CN104408622A (en) * | 2014-12-10 | 2015-03-11 | 公安部第三研究所 | System and method for confirming electronic trade based on independent password equipment |
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Open date: 20090708 |