CN101841809A - Mobile phone terminal supporting simulated POS transactions and system - Google Patents
Mobile phone terminal supporting simulated POS transactions and system Download PDFInfo
- Publication number
- CN101841809A CN101841809A CN201010139560.7A CN201010139560A CN101841809A CN 101841809 A CN101841809 A CN 101841809A CN 201010139560 A CN201010139560 A CN 201010139560A CN 101841809 A CN101841809 A CN 101841809A
- Authority
- CN
- China
- Prior art keywords
- simulated pos
- simulated
- transaction
- pos
- key
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Landscapes
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a mobile phone terminal supporting simulated POS transactions and a system. The mobile phone terminal supporting the simulated POS transactions has a function of a simulated POS client and a function of transmitting a communication signaling message of the simulated POS client to the simulated POS client if the communication signaling message is received, so a simulated POS function is supported on a wireless broadband mobile phone terminal to ensure that a wireless broadband mobile phone user can perform high-level security remote payment through the simulated POS client anytime and anywhere, and a commodity is taken or a transaction is confirmed on a merchant POS through a medium carrying a spot transaction confirmation identification code.
Description
Technical field
The present invention relates to the mobile communication technology field, particularly a kind of mobile telephone terminal and system that supports simulated POS transactions.
Background technology
In present communication technical field and financial on-site payment field, bank card user is brushed bank card and is paid as non-cash means of payment on the POS of franchised business, along with the development of mobile communication wireless broadband technology, the remote payment simulated POS that makes the user's mobile phone terminal can be used in described user becomes new demand.The English full name of described POS is Pointof Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computer, just can realize that electronic funds transfers accounts automatically, it has functions such as supporting consumption, pre-authorization, inquiry into balance and transfers accounts, and uses safety, quick, reliable.
Become mobile phone emulation POS to be used for user's remote payment, difficulty is key problem and trade company's compatibling problem.The inventor thinks, use the data function of mobile phone, on mobile telephone terminal, increase the simulated POS client-side program, obtain the data channel computing key A of simulated POS by the simulated POS client-side program, by communication functions such as short message or audio calls, make the simulated POS client obtain the signalling path computing key B of simulated POS, the simulated POS client is the master key that parameter generates the simulated POS on the described mobile telephone terminal according to predetermined rule with data channel computing key A and signalling path computing key B.Because the data communication of mobile communication is carried out in the PS territory, signaling communication is carried out in the CS territory, so the master key of simulated POS is difficult to be intercepted, thereby solves the safety problem of the master key of the simulated POS client on the portable terminal; By the simulated POS server, receive the mobile phone simulated POS transactions, in the transaction blocked the square mark sign indicating number be replaced by trade company under the commodity in the remote transaction blocked the square mark sign indicating number after, generate new transaction bag and send to transaction system, solve trade company's compatibling problem, thereby supported the remote transaction of the mobile telephone terminal simulated POS of all POS trade company merchandisings.
Providing the service of commodity remote payment by mobile telephone terminal simulated POS client, make mobile telephone terminal have the function of simulated POS, is the rule of objective reality.Use this objective law, the inventor thinks, adopt following technological means, can solve the technical problem that makes mobile telephone terminal have the simulated POS function: set up the simulated POS server and interconnect by data network with existing transaction system, the simulated POS server is by data network and mobile telephone terminal interconnection, provide mobile telephone terminal mutual by data channel and simulated POS server communication, by the interconnection of mobile communications network and mobile telephone terminal, provide mobile telephone terminal to pass through the mobile communication signaling and the simulated POS server communication is mutual; On mobile telephone terminal, increase the simulated POS client-side program, obtain the data channel computing key A of simulated POS from the simulated POS server by the simulated POS client-side program, by communication functions such as short message or audio calls, make the signalling path computing key B of simulated POS client from simulated POS server acquisition simulated POS, the simulated POS client is the master key that parameter generates the simulated POS on the described mobile telephone terminal according to predetermined rule with data channel computing key A and signalling path computing key B; The simulated POS transactions instruction sends to the simulated POS server by mobile telephone terminal by data network, the simulated POS server receives simulated POS transactions, in the simulated POS transactions blocked the square mark sign indicating number be replaced by in the remote transaction trade company under the commodity blocked the square mark sign indicating number after, generate new transaction bag and send to transaction system, and the transaction execution result that transaction system is returned, return to the simulated POS on the mobile telephone terminal, simulated POS is showed transaction results.
Also do not retrieve at present the technical scheme that on mobile telephone terminal, increases simulated POS.
Summary of the invention
The objective of the invention is to support the mobile telephone terminal and the system of simulated POS transactions,, finish the remote payment service on the Internet or mobile data network by the simulated POS client to be that the mobile phone user is provided on the mobile phone of oneself.
Technical scheme of the present invention is as follows:
A kind of mobile telephone terminal of supporting simulated POS is characterized in that, comprises following function:
The simulated POS client, during first the operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, be the master key that parameter generates simulated POS according to predetermined rule with initial computing key of data channel and the initial computing key of signalling path; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that the simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;
If receive the communication signaling message of simulated POS client, then be sent to the simulated POS client.
Described simulated POS server is used to manage the user account information of simulated POS client, management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to the bank card business dealing system; Reception is from the transaction response message of bank card business dealing system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client.
Wherein, described transaction comprises inquiry into balance, payment, consumes, transfers accounts and/or returns goods.
Wherein, the Bank Account Number of described transaction is imported by the user, or is selected from be stored in the Bank Account Number on the mobile telephone terminal in advance by the user, or selects the Bank Account Number on being stored in the simulated POS server in advance.
Wherein, described emulation client further comprises the merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction after described window is selected commodity.
Wherein, the user name of described simulated POS client login simulated POS server can be provided with a corresponding as seen and confirm identity type, and described as seen affirmation identity type is meant gets the goods password temporarily, or the magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of simulated POS remote payment.
Wherein, the POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to the simulated POS server, confirm identification code and the described transaction of POS trade company identification code verification and return the transaction response message that by the simulated POS server POS shows transaction results information according to as seen.
Wherein, described simulated POS transactions message adopts the existing transaction message of POS, especially, in the transaction message blocked the square mark sign indicating number be under the commodity in the described transaction trade company blocked the square mark sign indicating number.
A kind of bank card business dealing system that supports simulated POS is characterized in that, comprising:
The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction by data channel with the simulated POS server; Connect the simulated POS server by mobile communications network, carry out information interaction by signalling path with the simulated POS server;
The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the bank card business dealing system by data network, connects the mobile telephone terminal of supporting simulated POS by mobile communications network; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to the bank card business dealing system; Reception is from the transaction response message of bank card business dealing system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
The bank card business dealing system is connected with the simulated POS server by data network, is used to finish the system of bank card business dealing.
A kind of network bank trading system that supports simulated POS is characterized in that, comprising:
The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction by data channel with the simulated POS server; Connect the simulated POS server by mobile communications network, carry out information interaction by signalling path with the simulated POS server;
The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the Web bank card transaction system by data network, by the mobile telephone terminal of mobile communications network connection support simulated POS; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send the bank card business dealing system to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
Web bank's card transaction system is connected with the simulated POS server by data network, is used to support the system of Web bank's card transaction.
Effect of the present invention is: support the simulated POS function on wireless broadband mobile telephone terminal, make the wireless broadband mobile telephone user can carry out the remote payment of high level of security at any time, everywhere by the simulated POS client, confirm that by the carrying as seen medium of identification code extracts commodity or carries out trade confirmation from the POS of trade company.
Description of drawings
Fig. 1 is the system configuration schematic diagram that the present invention supports the bank card business dealing system of simulated POS.
Fig. 2 is the system configuration schematic diagram that the present invention supports Internet bank's card transaction system of simulated POS.
Fig. 3 is the preferred systems structure chart of embodiments of the invention one.
Fig. 4 is the flow chart that simulated POS client of the present invention realizes consumer sale.
Embodiment
As Fig. 1 is the system configuration schematic diagram that the present invention supports the bank card business dealing system of simulated POS, wherein:
Support the mobile telephone terminal 120 of simulated POS to connect simulated POS server 100 by mobile communications network 130;
Simulated POS server 100 is by data network 140 and 110 interconnection of bank card business dealing system;
Preferably, the communication protocol between simulated POS server 100 and the bank card business dealing system 110 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;
Preferably, support the mobile telephone terminal 120 of simulated POS and " POS of China Unionpay terminal specification " agreement that the communication protocol between the simulated POS server 100 adopts China Unionpay's issue;
Preferably, " POS of the China Unionpay terminal specification " of reference, the consumer sale message is defined as follows,
A kind of mobile telephone terminal of supporting simulated POS comprises following function:
The simulated POS client, during first the operation, obtain the initial computing key of data channel by data channel from simulated POS server 100, and receive the initial computing key of signalling path that simulated POS server 100 sends by signalling path, be the master key that parameter generates simulated POS according to predetermined rule with initial computing key of data channel and the initial computing key of signalling path; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from simulated POS server 100, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that the simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, described simulated POS transactions message of simulated POS customer end adopted and simulated POS server 100 communication interactions, the transaction of execution Client-initiated, and show transaction results;
If receive the communication signaling message of simulated POS client, then be sent to the simulated POS client.
Simulated POS server 100 is used to manage the user account information of simulated POS client, management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card business dealing system 110; Reception is from the transaction response message of bank card business dealing system 110, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client.
Wherein, described transaction comprises inquiry into balance, payment, consumes, transfers accounts and/or returns goods.
Wherein, the Bank Account Number of described transaction is imported by the user, or is selected from be stored in the Bank Account Number on the mobile telephone terminal in advance by the user, or selects the Bank Account Number on being stored in simulated POS server 100 in advance.
Wherein, described emulation client further comprises the merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction after described window is selected commodity.
Wherein, the user name of described simulated POS client login simulated POS server 100 can be provided with a corresponding as seen and confirm identity type, and described as seen affirmation identity type is meant gets the goods password temporarily, or the magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of simulated POS remote payment.
Wherein, the POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to simulated POS server 100, confirm identification code and the described transaction of POS trade company identification code verification and return the transaction response message that by simulated POS server 100 POS shows transaction results information according to as seen.
Wherein, described simulated POS transactions message adopts the existing transaction message of POS, especially, in the transaction message blocked the square mark sign indicating number be under the commodity in the described transaction trade company blocked the square mark sign indicating number.
A kind of bank card business dealing system that supports simulated POS comprises:
The mobile telephone terminal 120 of one or more support simulated POSs has the function of simulated POS client; Be connected with simulated POS server 100 by data network, carry out information interaction by data channel with simulated POS server 100; Connect simulated POS server 100 by mobile communications network, carry out information interaction by signalling path with simulated POS server 100;
Simulated POS server 100 is connected 120 by data network 130 with the mobile telephone terminal of supporting simulated POS, is connected with bank card business dealing system 110 by data network 140, connects the mobile telephone terminal 120 of supporting simulated POS by mobile communications network 130; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card business dealing system 110; Reception is from the transaction response message of bank card business dealing system 110, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
Bank card business dealing system 110 is connected with simulated POS server 100 by data network 140, is used to finish the system of bank card business dealing.
The function that it is pointed out that simulated POS server 100 can be integrated into realization in the bank card business dealing system 110.
As Fig. 2, Fig. 2 is the system configuration schematic diagram that the present invention supports Internet bank's card transaction system of simulated POS, wherein:
Support the mobile telephone terminal 120 of simulated POS to connect simulated POS server 100 by mobile communications network 130;
Simulated POS server 100 is by data network 140 and 150 interconnection of Internet bank's card transaction system;
Preferably, the communication protocol between simulated POS server 100 and the Internet bank's card transaction system 150 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;
Preferably, support the mobile telephone terminal 120 of simulated POS and " POS of China Unionpay terminal specification " agreement that the communication protocol between the simulated POS server 100 adopts China Unionpay's issue.
A kind of network bank trading system that supports simulated POS comprises:
The mobile telephone terminal 120 of one or more support simulated POSs has the function of simulated POS client; Be connected with simulated POS server 100 by data network, carry out information interaction by data channel with simulated POS server 100; Connect simulated POS server 100 by mobile communications network, carry out information interaction by signalling path with simulated POS server 100;
Simulated POS server 100 is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with Web bank card transaction system 150 by data network 140, by the mobile telephone terminal 120 of mobile communications network 130 connection support simulated POSs; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send bank card business dealing system 150 to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
Web bank's card transaction system 150 is connected with simulated POS server 100 by data network 140, is used to support the system of Web bank's card transaction.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consulting Fig. 3, is the preferred systems structure chart of embodiments of the invention one, wherein,
Bank card business dealing system 110 is made up of POSP1101 (POS agency) and CUPS1102 (bank card business dealing gateway), and wherein POSP1101 is responsible for accepting the POS business, and CUPS1102 is responsible for handling the bank card business dealing business of each business bank;
By the data network interconnection, interconnect by data network between CUPS1102 and the bank transaction gateway 230 (having indicated each bank transaction gateway of the n of bank 1 to bank among the figure) between CUPS1102 and the POSP1101;
Support the mobile telephone terminal of simulated POS to connect 120 remote payment transaction by simulated POS server 100 realization bank cards.
As Fig. 4, Fig. 4 is the flow chart that simulated POS client of the present invention realizes consumer sale, and is specific as follows:
F1-F2: the simulated POS client user initiates simulated POS consumption and asks simulated POS server 100 on mobile telephone terminal;
F3-F4: simulated POS server 100 converts simulated POS consumption request to standard P OS consumption message and sends to POSP1101, and POSP1101 sends to CUPS1102 to consumption message message;
F5-F6:CUPS1102 is consuming the bank transaction gateway 230 that message message sends to the bank of bank card account number ownership, and bank transaction gateway 230 returns the transaction response message to CUPS1102;
F7-F8:CUPS1102 sends to POSP1101 to the transaction response message, and POSP1101 sends to simulated POS server 100 to response message;
F9-F10: simulated POS server 100 converts response message to the simulated POS response message and sends to the simulated POS client, simulated POS client shows transaction results message.
Above-described examples of implementation only are preferred implementations of the present invention; should be understood that; for those skilled in the art; under the prerequisite that does not break away from the principle of the invention; can also make some improvement, combination and retouching, these improvement, combination and retouching also should be considered as protection scope of the present invention.
Claims (10)
1. a mobile telephone terminal of supporting simulated POS is characterized in that, comprises following function:
The simulated POS client, during first the operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, be the master key that parameter generates simulated POS according to predetermined rule with initial computing key of data channel and the initial computing key of signalling path; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that the simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;
If receive the communication signaling message of simulated POS client, then be sent to the simulated POS client.
2. the mobile telephone terminal of support simulated POS according to claim 1, it is characterized in that, described simulated POS server is used to manage the user account information of simulated POS client, management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to the bank card business dealing system; Reception is from the transaction response message of bank card business dealing system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client.
3. the mobile telephone terminal of support simulated POS according to claim 1 is characterized in that, described transaction comprises inquiry into balance, payment, consumes, transfers accounts and/or returns goods.
4. the mobile telephone terminal of support simulated POS according to claim 1, it is characterized in that, the Bank Account Number of described transaction is imported by the user, or from be stored in the Bank Account Number on the mobile telephone terminal in advance, select, or select the Bank Account Number on being stored in the simulated POS server in advance by the user.
5. the mobile telephone terminal of support simulated POS according to claim 1, it is characterized in that, described emulation client further comprises the merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction after described window is selected commodity.
6. the mobile telephone terminal of support simulated POS according to claim 1, it is characterized in that, the user name of described simulated POS client login simulated POS server can be provided with a corresponding as seen and confirm identity type, described as seen affirmation identity type is meant gets the goods password temporarily, or magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of simulated POS remote payment.
7. the mobile telephone terminal of support simulated POS according to claim 6, it is characterized in that, the POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to the simulated POS server, confirm identification code and the described transaction of POS trade company identification code verification and return the transaction response message that by the simulated POS server POS shows transaction results information according to as seen.
8. the mobile telephone terminal of support simulated POS according to claim 1, it is characterized in that, described simulated POS transactions message adopts the existing transaction message of POS, especially, in the transaction message blocked the square mark sign indicating number be under the commodity in the described transaction trade company blocked the square mark sign indicating number.
9. a bank card business dealing system that supports simulated POS is characterized in that, comprising:
The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction by data channel with the simulated POS server; Connect the simulated POS server by mobile communications network, carry out information interaction by signalling path with the simulated POS server;
The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the bank card business dealing system by data network, connects the mobile telephone terminal of supporting simulated POS by mobile communications network; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to the bank card business dealing system; Reception is from the transaction response message of bank card business dealing system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
The bank card business dealing system is connected with the simulated POS server by data network, is used to finish the system of bank card business dealing.
10. a network bank trading system that supports simulated POS is characterized in that, comprising:
The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction by data channel with the simulated POS server; Connect the simulated POS server by mobile communications network, carry out information interaction by signalling path with the simulated POS server;
The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the Web bank card transaction system by data network, by the mobile telephone terminal of mobile communications network connection support simulated POS; Management and generation initial computing key of user's data passage and the initial computing key of signalling path, management is by the master key of the simulated POS client of initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; The key information that transmits the user is to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send the bank card business dealing system to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert transaction response message to the simulated POS client of initiating described transaction after, send to described simulated POS client;
Web bank's card transaction system is connected with the simulated POS server by data network, is used to support the system of Web bank's card transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010139560.7A CN101841809B (en) | 2010-03-31 | 2010-03-31 | Mobile phone terminal supporting simulated POS transactions and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010139560.7A CN101841809B (en) | 2010-03-31 | 2010-03-31 | Mobile phone terminal supporting simulated POS transactions and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101841809A true CN101841809A (en) | 2010-09-22 |
| CN101841809B CN101841809B (en) | 2013-04-03 |
Family
ID=42744853
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201010139560.7A Expired - Fee Related CN101841809B (en) | 2010-03-31 | 2010-03-31 | Mobile phone terminal supporting simulated POS transactions and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101841809B (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102446321A (en) * | 2010-09-30 | 2012-05-09 | 中国移动通信集团公司 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
| CN105224397A (en) * | 2015-10-30 | 2016-01-06 | 中国民生银行股份有限公司 | Intelligence POS management method and device |
| CN106022755A (en) * | 2016-05-13 | 2016-10-12 | 深圳市欧乐在线技术发展有限公司 | Future communication payment system based on signaling network |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
| CN107770165A (en) * | 2017-10-12 | 2018-03-06 | 北京趣拿软件科技有限公司 | The method and apparatus that a kind of analog machine sends request |
| WO2019178760A1 (en) * | 2018-03-21 | 2019-09-26 | 福建联迪商用设备有限公司 | Method for transmitting key and pos terminal |
| CN112308555A (en) * | 2014-03-25 | 2021-02-02 | 艾柯西派特有限公司 | Remote transaction system, method and point-of-sale terminal |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI226562B (en) * | 2002-07-01 | 2005-01-11 | Harexinfotech Inc | Financial information input method using symmetrical key security algorithm and commercial transaction system for mobile communications |
| KR20070092418A (en) * | 2006-03-10 | 2007-09-13 | 곽성수 | System for electronic data service using mobile communication terminal and method thereof |
| CN101567106A (en) * | 2008-04-24 | 2009-10-28 | 北京爱奥时代信息科技有限公司 | Method and system for payment of Bluetooth cellular phone-POS machine |
-
2010
- 2010-03-31 CN CN201010139560.7A patent/CN101841809B/en not_active Expired - Fee Related
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI226562B (en) * | 2002-07-01 | 2005-01-11 | Harexinfotech Inc | Financial information input method using symmetrical key security algorithm and commercial transaction system for mobile communications |
| KR20070092418A (en) * | 2006-03-10 | 2007-09-13 | 곽성수 | System for electronic data service using mobile communication terminal and method thereof |
| CN101567106A (en) * | 2008-04-24 | 2009-10-28 | 北京爱奥时代信息科技有限公司 | Method and system for payment of Bluetooth cellular phone-POS machine |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102446321A (en) * | 2010-09-30 | 2012-05-09 | 中国移动通信集团公司 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
| CN102446321B (en) * | 2010-09-30 | 2014-08-06 | 中国移动通信集团公司 | Trading method and system as well as POS (Point of Sale) terminal and mobile terminal |
| CN112308555A (en) * | 2014-03-25 | 2021-02-02 | 艾柯西派特有限公司 | Remote transaction system, method and point-of-sale terminal |
| CN105224397A (en) * | 2015-10-30 | 2016-01-06 | 中国民生银行股份有限公司 | Intelligence POS management method and device |
| CN106022755A (en) * | 2016-05-13 | 2016-10-12 | 深圳市欧乐在线技术发展有限公司 | Future communication payment system based on signaling network |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
| CN107770165A (en) * | 2017-10-12 | 2018-03-06 | 北京趣拿软件科技有限公司 | The method and apparatus that a kind of analog machine sends request |
| CN107770165B (en) * | 2017-10-12 | 2021-02-02 | 携程金融科技(上海)有限公司 | Method and device for sending request by analog equipment |
| WO2019178760A1 (en) * | 2018-03-21 | 2019-09-26 | 福建联迪商用设备有限公司 | Method for transmitting key and pos terminal |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101841809B (en) | 2013-04-03 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| AU2009296822B2 (en) | Intelligent alert system and method | |
| US20180276667A1 (en) | System and method of providing supplemental information in a transaction | |
| US20150363768A1 (en) | System and method for rendering virtual currency related services | |
| CN101841809B (en) | Mobile phone terminal supporting simulated POS transactions and system | |
| KR101538745B1 (en) | System for Issuing an Electronic Receipt | |
| US20070094113A1 (en) | Transactional mobile system | |
| US9508093B2 (en) | Apparatus, method and system for electronic gifting | |
| CN101072384A (en) | Mobile phone payment method and system based on mobile phone bank | |
| KR101751640B1 (en) | Payment system of a payment card, payment method by using the payment system and supply method of an additional service | |
| CN104272332A (en) | System and method for dynamic temporary payment authorization in a portable communication device | |
| CN101165716A (en) | Electronic payment procedure based on transaction code | |
| CN103218715A (en) | Dynamic payment code implementation method in cloud payment system | |
| CN101894335A (en) | Payment method and system for on-line transaction and home gateway | |
| US20130254051A1 (en) | Apparatus for issuing receipts and user terminal using the receipts | |
| KR20150023790A (en) | Prepaid wallet for merchants | |
| CN103729760A (en) | On-line payment method and system | |
| CN110766397B (en) | Near field payment method based on data identification model | |
| CN104268744A (en) | Mobile payment achieving method and system | |
| JP2009123013A (en) | Information communication system, communication apparatus, two-dimensional barcode, and method for managing issue of electronic coupon | |
| US20140258046A1 (en) | Method for managing a transaction | |
| CN104200365A (en) | Writing and paying method for electronic check | |
| KR20140048813A (en) | Trade/payment agent system and method for used article | |
| KR20120100283A (en) | System and method for electronic payment | |
| CN101730023A (en) | Method and system for payment by using short messages | |
| CN112651729A (en) | Cash withdrawal transaction method, acquiring bank server and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20130403 Termination date: 20200331 |
|
| CF01 | Termination of patent right due to non-payment of annual fee |