CN102202092A - Television bank public service platform - Google Patents
Television bank public service platform Download PDFInfo
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- CN102202092A CN102202092A CN201110108748XA CN201110108748A CN102202092A CN 102202092 A CN102202092 A CN 102202092A CN 201110108748X A CN201110108748X A CN 201110108748XA CN 201110108748 A CN201110108748 A CN 201110108748A CN 102202092 A CN102202092 A CN 102202092A
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Abstract
The invention relates to a television bank public service platform. The television bank public service platform is characterized in that: a television payment public service platform is embedded into a digital television set-top box system, consists of a co-branded smart card or universal serial bus (USB) KEY, a co-branded smart card slot or USB KEY socket and a data wire, cooperates with a built-in browser and a matched remote controller to form an entire system, and performs data transmission with a bank broadcasting and television acquiring system and a bank card system. Transaction data is encrypted by adopting a smart integrated circuit (IC) card, and is transmitted by a broadcasting and television digital television private network; user terminal equipment serves as a set-top box, and the data is encrypted by the smart IC card which is arranged in the set-top box, so the card has a relatively lower loss rate, and is easy to keep; signing binding is realized between the smart IC card and a bank card, and the smart IC card does not store sensitive data per se, so potential safety hazards are avoided; and data communication among the bank card, a transaction data encryption system, the digital television set-top box and the bank acquiring system is realized, and the expense transaction activities of various services of a user are finished.
Description
Technical field
The present invention relates to a kind of TV bank public service platform, be based on the Home Banking of broadcasting and TV digital network platform, comprise bank finance information, account inquiries, the various expenses of payment on behalf, family finance, TV shopping and other E-Payment service etc., bi-directional digital television and E-Payment technical field.
Background technology
Electronic banking becomes each big bank's important service gradually and handles channel, Web bank can reduce transaction cost significantly, according to statistics, the cost of finishing an internet bank trade is 1 fen, the cost of finishing a traditional bank transaction surpasses 1 yuan, therefore, the development Internet-based banking services are trends of the times.At present, the verification technique of Web bank's secure payment mainly contains:
Dynamic password is to generate one every 60 seconds according to special algorithm to make up (One-time Password) with random digit time correlation, uncertain, and each password can only use once, can produce 43200 passwords every day; When the user authenticates, except that input number of the account and static password, necessarily require to import dynamic password, have only, just can normally login or conclude the business, thereby effectively guarantee the legitimacy and the uniqueness of user identity by system verification.The dynamic password biggest advantage is, the each password that uses of user is all inequality, makes the identity that the lawless person can't counterfeit validated user; The dynamic password authentication technology is considered at present one of identification authentication mode that can the most effective solution user, can effectively take precautions against multiple network problems such as hacker's wooden horse theft user account password, false website, causes user's the property or the loss of data.
Digital certificate is exactly a series of data of sign communication each side identity information in the internet communication, and a kind of mode of verifying your identity on Internet is provided, and its effect is similar to driver's driving license or the identity card in the daily life.It is to be called certificate granting (Certificate Authority) center distribution by one again by-CA mechanism of authoritative institution's----, and people can discern the other side's identity on the net with it.Digital certificate is a file that comprises public-key cryptography owner information and public-key cryptography through certificate authorization center digital signature.The simplest certificate comprises the digital signature at a public-key cryptography, title and certificate granting center; Digital certificate is a kind of authoritative electronic document, by the just third-party institution of authority, i.e. and the certificate signed and issued of CA center.It is that the encryption technology of core can be carried out encryption and decryption, digital signature and signature verification to the information of transmission over networks with the digital certificate, guarantees to transmit confidentiality, the integrality of information on the net.Used digital certificate, even the information that you send is intercepted and captured by other people on the net, even you have lost information such as individual account, password, still can guarantee your account, fund security; Though the encryption technology of safety is arranged, and also there is related defects in Web bank.
Web bank, TV bank, Home Banking's keyword and key point draw by retrieval: up to now, it is the payment terminal of using always that the home-confined terminal system of finishing the transaction payment activity of real realization family or personal user has only network computer, yet network computer (Web bank) Secure Transaction be cannot say for sure to demonstrate,prove.Specific as follows: the online financial transaction of Web bank and online payment mechanism all is a double-edged sword, brought a series of safety problem simultaneously easily, the network wooden horse that is becoming increasingly rampant, panoramic fishing website, computer operating system leak can't remedy and scale, the grouping of the world economy of the network crime fully, make the infringement of the difficult offender of strick precaution of domestic consumer to personal property; The user has opened Web bank, be provided with the password of Web bank, be provided with Account Security mode: USBKEY checking, but he has but told the third party with account, password, think that the third party does not have USBKEY just can't transfer accounts, it is no problem to look like, but in the practical operation, this user should tell the third party with password again after USBKEY has downloaded certificate.Problem just goes out also not download the USBKEY certificate this user and just told the third party password, and the third party is easy to just can go to repurchase a USBKEY so, and downloadable authentication cooperates password just can change money at once.Controlling the situation of money as this both sides, should be can tell the third party password for inquiry, can not tell anyone changeing the money password; Email/fraud information/SMS+fishing website link utilizes certain bank's name to send mail, this mail with reconciliation, examine name such as account consumption record and require the client to login this website of bank to inquire about details, and the hyperlink of this website of bank is provided, if clickthrough will be opened a page of pretending to be this bank.This webpage not only from page layout and content aspect counterfeit must the spitting image of, be enough to mix the spurious with the genuine, and domain name and the page thereof have stronger duplicity.The user often thinks the real website that oneself has entered this bank by mistake, and what its real user called on only is a well-designed fake site of process.If the user imports personal information on fishing website,, steal user's number of the account, password just the lawless person can utilize Email that account information is sent to the mailbox that configures in advance automatically; Utilize false ecommerce to swindle the offender by setting up e-commerce website, or on more well-known, large-scale e-commerce website the false merchandise sales information of issue, they just make no public appearances after the shopping of receiving the victim is remitted money usually.Most people adopt on well-known e-commerce website, as " Eachnet ", " Taobao ", " Alibaba " etc., the issue deceptive information is sold various products with the ultralow valency of what is called, tax-free name, or adulterate, a lot of people have dust thrown into the eyes under temptation at a low price; Utilizing the hacking technique means to steal user profile mainly is to utilize the wooden horse means, the wooden horse producer is by sending mail or hiding wooden horse and propagate wooden horse by modes such as leak triggerings in the website, when the user who infects wooden horse carries out online transaction, trojan horse program promptly obtains user account and password in the mode of keyboard record, and sends to the appointment mailbox.Utilizing wooden horse screen monitoring function to carry out the example that password cracking lands also happens occasionally; Bank system of web must be after the user opens an account as early as possible debarkation net go to bank, by the prompting downloadable authentication, work such as the new inquiry and the password of withdrawing the money are set, simultaneously, soft certificate easily is stolen, hard certificate needs cost; Internet-based banking services are based on the payment transaction of the Internet, as adopting dynamic password technology (password card, dynamic digital keyboard), in case intercepted and captured message analyzed by the hacker, have the password possibility that is cracked.
Summary of the invention
The object of the present invention is to provide a kind of TV bank public service platform, it adopts intellective IC card to encrypt transaction data, transmits data by broadcasting and TV Digital Television private network, and subscriber terminal equipment is a set-top box, rather than computer, and fail safe is higher; Use the intellective IC card enciphered data, and card is positioned in the set-top box, it is less to lose probability, is easy to keeping; Intellective IC card is with the bank card binding of contracting, and intellective IC card itself is not stored sensitive data, does not have potential safety hazard.
Technical scheme of the present invention is achieved in that the TV bank public service platform, is received single system and is formed by TV payment public service platform, set-top-box system, bank card system, bank's broadcasting and TV; It is characterized in that: TV payment public service platform is embedded into digital TV set-top-box system inside, by jointly smart card or USB KEY, jointly smart card draw-in groove or USB KEY socket, data wire are formed, with built-in browser and supporting remote controller collaborative work, become a total system, pass through transfer of data with bank's broadcasting and TV receipts single system and bank card system; Described set-top-box system, TV payment public service platform, and the broadcasting and TV dedicated network is the data channel that bank card system and bank broadcasting and TV are received single system, and bank's broadcasting and TV are received the encrypted packets that single system and the transaction in bank's later stage, clearing all depend on bank card system.
The course of work of TV bank public service platform is as follows:
1, the user enters the Web page that TV is paid public service platform by remote controller, selects the fee payment service type; TV payment public service platform reads ID number of intelligent card of set-top box in the JSP routine call set-top box of set box browser operation, and submits to TV payment public service platform;
2, TV payment public service platform is inquired about in pending business by the fee payment service type that ID number and user select, if Query Result is empty, then point out the user " you do not have the XXX service needed to pay the fees by native system ", if the result of inquiring then information such as the quantity of user's name, address, consumption, unit price, the total value of should paying the fees are presented on user's the browser;
3, the user imports the bank card password that smart card is jointly bound by remote controller, and confirms;
4, TV payment public service platform with related service information such as professional unique number, type of service, the amount of money, bank card password, sends bank card system at the JSP routine call set-top-box system of set box browser operation to;
5, bank card system jointly encrypt, pack by smart card account number, business information, password etc.;
6, TV is paid the JSP routine call set-top-box system of public service platform in the set box browser operation, the transaction data package of reading encrypted, and submit to TV payment public service platform;
7, TV payment public service platform sends the transaction data package and the binding of professional unique number of encrypting bank's broadcasting and TV to and receives single system;
8, bank's broadcasting and TV are received transaction, the settlement system on single system and bank backstage, are decrypted, verify, processing such as clearing, and result and banking number are returned to TV pay public service platform;
9, TV payment public service platform record transaction results, banking number, and on user browser, show processing result information.
Interface between described TV payment public service platform and the bank payment system is based on ICP/IP protocol, adopt the Socket technology to realize, communication mode connects for long, and communicating pair is the side of service and customer each other, the initiator of communication is the customer, and the recipient is service side; Bank payment system is as service side during transaction, and TV payment public service platform is as the customer, and TV payment public service platform sends the transaction data newspaper of encrypting to bank payment system, and object information is lost in the friendship of reception bank payment system feedback;
The swap data form adopts Unionpay's standard;
1, wherein business information 64 byte content are as follows:
Transaction Identification Number (12B), type of transaction (2B), the amount of money (12B), bank intelligent card card number (16B), type of service (2B), reservation (20B) (when transaction is consumer, are preserved the 15B of trade company; The transaction for the time-like of transferring accounts for changing account number 16-19B over to);
2, password (16B) uses different secret keys to encrypt separately.
Interface between described TV payment public service platform and the VOD system be and the BMS of VOD system between interface, based on open soap protocol interface communication, by the user charges data of this interface TV payment public service platform reception VOD system on-demand, feed back to the information of BMS TV bank public service platform payment transaction success or not.
The http protocol that interface is based on standard between described TV payment public service platform and the set box browser is communicated by letter, and transmits the real-time, interactive interface, browses for the user.
Interface is based on open soap protocol interface communication between described TV payment public service platform and the BOSS/SMS system, TV payment public service platform receives Back ground Information, modification information, the log-off message of BOSS/SMS system user essential information and paying information, and feeds back to the BOSS/SMS system information of paying the fees.
Information exchange system between described TV payment public service platform and bank's intellective IC card is, set-top box manufacturer develops the driver (communication protocol is T0) to bank's intellective IC card read-write, and the api interface that provides by the set-top box built-in browser in the JavaScript of set-top box built-in browser program that is provided by TV payment public service platform when communication calls the read-write operation of set-top box driving realization to bank's intellective IC card.
The method of operation that information between TV payment public service platform and bank's intellective IC card is concrete is as follows:
1, obtains bank's intellective IC card sequence number function
SSRT.ioctlRead (Param1); Promptly obtain the sequence number of bank's intellective IC card
2, obtain the sequence number function of broadcasting and TV CA card
SSRT.ioctlRead (Param1); Promptly obtain the sequence number of broadcasting and TV CA card
3, encrypt the bank transaction data function
SSRT.ioctlWrite (Param1, Param2); Be about to encrypted data transmission and give bank's intellective IC card
SSRT.ioctlRead (Param); Promptly obtain bank card data encryption result
4, encrypt the PIN of bank function
SSRT.ioctlWrite (Param1, Param2); Be about to PIN and be transferred to bank's intellective IC card
SSRT.ioctlRead (Param); Promptly obtain bank card and encrypt the PIN result
5, decryption function
SSRT.ioctlWrite (Param1, Param2); Be about to encrypted data transmission and give bank's intellective IC card
SSRT.ioctlRead (Param1); Promptly obtain data decryption, this group function has 32,64,256 3 versions.
6, obtain ATR information
SSRT.ioctlRead (Param1); Promptly obtain ATR information
7, result code definition:
" 00 ": success;
" 10 " draw-in groove does not insert smart card;
The smart card that " 20 " draw-in groove inserts is incorrect;
" 30 " handle failure;
" 90 " other mistakes.
Described jointly smart card adopts 10 core data wires to insert on the digital TV set-top box mainboard, mark on TV-BANK1 data wire socket, and 10 core data wire pins are:
1 pin: direct current supply positive wire;
2 pin: smart card action reset load;
3 pin: the intelligent card data synchronizing clock signals transmits lead-in wire;
4 pin: standby;
5 pin: ground lead;
6 pin: VPP position able to programme lead-in wire;
7 pin: intelligent card data input and output serial pin;
8 pin: standby;
9 pin: switch 1 lead-in wire;
10 pin: open relation lead-in wire.
Described jointly smart card draw-in groove is fixed on the CA card top of digital TV set-top box.
Described USB KEY adopts 4 core data wires to insert on the digital TV set-top box mainboard, and at TV-BANK2 data wire socket mark, 4 core data wire pins are:
1 the pin :+5V lead-in wire of powering.
2 pin: DATA-transfer of data lead-in wire.
3 pin: DATA+ transfer of data lead-in wire.
4 pin: GND ground lead.
Described USB KEY panel side socket is fixed on the inboard CA card of digital TV set-top box panel left side.USB KEY is the encryption and decryption mode of standard, adopt the smart card cpu chip, internal structure is made up of CPU and encryption logic, RAM, ROM, EEPROM and I/O five parts: CPU is the control core, is responsible for coordinating other 4 part associated working of control and carrying out the encryption logic computing; RAM is responsible for providing the encrypt data of encrypting behind required memory space and the interim storage encryption; ROM storage encryption key; EEPROM provides point able to programme, but allows hardware driving and encryption logic are carried out erase operation; I/O is responsible for monitoring plug operation and data read and write interface.
Good effect of the present invention is the data communication that has realized between bank card, encrypted transaction data system, digital TV set-top box, bank's receipts single system, finishes the expense transaction of user's miscellaneous service; Card system read-write related data, the dynamic data encryption and decryption is followed the banking system safety standard requirements; Allow TV become dependable bank POS terminal in the Smart Home, home-confined can finish pay the fees, pay taxes, financial transaction easily such as inquiry, (broadcasting and TV CA card, intellective IC card, bank's IC-card) encrypted in three card interlocks, support 128 bit encryption algorithm security communication protocols, adopt the carrying of Digital Television proprietary network, with the Internet physical isolation, system safety has been accomplished maximization.
Description of drawings
Fig. 1 is a fundamental diagram of the present invention.
Fig. 2 is the structural representation of smart card mode of the present invention.
Fig. 3 is the structural representation of USB KEY mode of the present invention.
Fig. 4 initiates to pay the fundamental diagram of electricity charge request for the present invention.
Fig. 5 produces the soft keyboard schematic diagram for the present invention.
The schematic diagram that Fig. 6 pays the fees and encrypts for the present invention.
Fig. 7 is the schematic diagram of transmission transaction data of the present invention.
Fig. 8 is the schematic diagram of bank transaction of the present invention.
Fig. 9 is pay the fees result's schematic diagram of demonstration of the present invention.
Embodiment
The present invention will be further described below in conjunction with drawings and Examples:
Embodiment 1(paying electric charge)
The service object of TV bank public service platform core business realizes professional personal users such as paying the fees, transfer accounts by remote controller, set-top box, CA card, smart card and built-in browser or middleware thereof.The process of exchange chain is long, technical sophistication, the external system that relates to comprises bank payment system, broadcasting and TV VOD system, middleware, set-top box, card system etc., and TV bank is the intelligent heart of whole network, being a concentrated control, management platform, is technology, performing step and the implementation method that example illustrates the employing of whole process of exchange with the electricity charge of paying in the fee payment service below:
1, user's button that uses a teleswitch sends the infrared operation set-top box and selects TV bank electricity payment menu; Set-top box receives infrared signal transmission url and asks TV payment public service platform; TV payment public service platform receives request and prepares the back page address;
2, TV payment public service platform server pushes the page of paying the fees to set-top box: TV payment public service platform returns the electricity payment page; Middleware that set-top box is built-in or browser resolves also show the electricity payment page;
Initiate to pay electricity charge request by smart card, concrete grammar is as shown in table 1;
3, the user uses a teleswitch and imports the electricity consumption numbering;
4, the user inputs password:
Numeral between page appearance this moment dynamic layout 0 to 9 of soft keyboard as shown in Figure 5; The user uses a teleswitch and selects the numeral on the soft keyboard to import;
5, click is determined to pay the fees:
The user clicks confirming button; The data transmission channel that TV payment public service platform is opened by set-top box or middleware calls smart card and carries out data encryption;
6, bank card is encrypted data;
7, bank card returns to set-top box with the data encrypted packing;
8, TV payment public service platform reads the CA card number by set-top box or middleware;
Set-top box is forwarded to the processing of TV payment public service platform with encrypted packets and CA card number;
9, TV payment public service platform is preserved transaction data
10, TV payment public service platform sends to bank with encrypted packets according to protocol encapsulation;
11, bank's decrypted data packet is carried out relevant treatment such as authentication, legitimate verification, transaction;
12, bank sends to TV payment public service platform with result;
13, TV payment public service platform record transaction results;
14, TV payment public service platform turns back to display page as a result with the bank transaction result;
15, the data transmission channel opened by set-top box or middleware of display page calls smart card and carries out data decryption as a result;
16, bank card is decrypted data;
17, the packing data after bank card will be deciphered returns to set-top box
18, set-top box is resolved and is shown the transaction results page;
Initiate the electricity payment request as shown in Figure 4:
User's button that uses a teleswitch sends the infrared operation set-top box and selects TV bank electricity payment menu;
Set-top box is received the inner infrared signal of resolving of infrared signal, notice browser or middleware user operational order, browser or middleware receive operation information and resolve TV bank electricity payment menu HTTP request address pointed, send the HTTP request by the broadcasting and TV metropolitan area network;
The HTTP request is through the fire compartment wall of TV bank payment platform front end and the Web server of switch arrival TV bank payment platform, after Web server is received request, tissue calls application server, behind the application server processes related service response message is returned to Web server, Web server is received that information is called and is paid the electricity charge page and write out http response;
After set-top box domestic browser or middleware were received http response, the resolution response content was a html page, and content of pages is exported to the TV end;
The user sees at the TV end and pays the electricity charge page.
The system that the TV bank terminal is mainly concerned with is built-in browser of set-top-box system and set-top box or middleware, set-top box is responsible for receiving user's input and output information, and it is the container of the TV bank terminal page that browser that set-top box is built-in or middleware are responsible for resolving with display page.
Produce soft keyboard as shown in Figure 5:
After browser or middleware were resolved and shown the paying electric charge page, the paying electric charge page used javascript to produce 0 to 9 numeral and dynamic order, and the soft keyboard content is shown to paying electric charge page inside; The user uses a teleswitch to move by directionkeys and selects soft keyboard to realize the password input, in case the third party steals user's bank card password by intercepting and capturing infrared signal.
As shown in Figure 6 data are carried out encryption:
User's operation TV bank terminal that uses a teleswitch is paid the electricity charge page, and input pay the fees electricity number and password are clicked and determined to pay the fees; Need encrypt sensitive data when paying the fees, the transaction data of encryption comprises the electricity number of paying the fees, the amount of money of paying the fees, bank's card number etc., needs to encrypt separately in order to improve the level of security bank card password.
TV bank is encrypted data and is carried out in two steps: data encryption and data read:
Data encryption process: the TV bank terminal pay the electricity charge page monitor receive the user click determine after, the legitimacy of checking input data, require to organize be-encrypted data according to encryption format, cipher key index is dynamically obtained generation by system from ten group key index, call the encipher interface that browser or middleware provide: SSRT.ioctlWrite (' BankCardWrite ' then, Param2), this interface method calls top-set hardware driving carrying out data encryption associative operation; After top-set hardware drives and to receive be-encrypted data, carry out cryptographic operation by the data encryption operational order that calls smart card and provide:
1, selects 3F00 00A4000002 3F00
2, select DF01 00A4000002 DF01
3, encrypt the DATA(48 byte) and calculate MAC
80 1A 08 01 00 (initialization), 80 FA, 00 00 30+data encrypts
MAC is calculated in 80 1A 08 01 00 (initialization), 80 FA, 05 00 30+data+80 00 00 00 00 00 00 00;
After smart card is received encrypted instruction, use the des algorithm that data are carried out cryptographic operation and calculated the mac value;
Enciphered data reads process: the TV bank terminal is paid the reading encrypted data-interface that electricity charge page invocation browser or middleware provide: SSRT.ioctlRead (' BankCardReadEnc '), this interface method call top-set hardware and drive and carry out data read operation; After top-set hardware drives and to receive request, carry out data read, return enciphered data after reading data by the read data operation instruction of calling smart card and providing.
The password encryption process: the TV bank terminal pay the electricity charge page monitor receive the user click determine after, the legitimacy of authentication password data, require to organize password according to encryption format, cipher key index is dynamically obtained generation by system from ten group key index, call the encryption Pin interface that browser or middleware provide: SSRT.ioctlWrite (' BankCardPwd ' then, Param2), this interface method calls top-set hardware driving carrying out password encryption associative operation; After top-set hardware drives and to receive code data to be encrypted, carry out cryptographic operation by the password encryption operational order that calls smart card and provide:
1, selects 3F00 00A4000002 3F00
2, select DF01 00A4000002 DF01
3, encrypt PIN (6 byte) 80 1A 07 01 00 (initialization) 80 FA 00 00 08+PIN+8000000000
After smart card is received the password encryption instruction, use the des algorithm that password is carried out cryptographic operation;
The password encryption data read process: the TV bank terminal pays that electricity charge page invocation browser or middleware provide reads password encryption data-interface: SSRT.ioctlRead (' BankCardReadPwd '), and this interface method calls top-set hardware and drives and carry out data read operation; After top-set hardware drives and to receive request, carry out data read, return the password encryption data after reading data by the code data operational order that reads that calls smart card and provide.
Send the electricity charge service of paying as shown in Figure 7:
User's operation TV bank terminal that uses a teleswitch is paid the electricity charge page, and clicking determines to pay the fees finishes data encryption, and reads the CA card number; With data message, CA card number and the TV bank public payment platform URL that will ask notice browser/middleware;
The network layer IP agreement that browser/middleware calls set-top box sends data;
The set-top box visit broadcasting and TV metropolitan area network data message of will paying the fees sends to the HTTP service that the TV bank public payment platform provides;
The HTTP service that the TV bank public payment platform provides receives electricity charge business;
TV bank public payment platform coupling CA card and smart card if the match is successful then send data to bank and conclude the business, otherwise return user's results page.
Bank handles transaction as shown in Figure 8:
TV bank payment platform and IC-card system front end processor are interconnected by the light pricker;
The TV bank payment platform uses the socket communication mode to carry out data with IC-card system front end processor and sends (data are organized by the message format of appointing: dealing money, password, cipher key index, type of service etc.), after IC-card system front end processor is received transaction message, call encryption equipment and carry out data decryption, adopt during the encryption equipment deciphering and carry out data decryption with the identical des algorithm of smart card, the card system obtains data decryption and sends to bank's middleware operation system, carries out concrete Business Processing;
Bank's middleware operation system is called core system inquiring user remaining sum and whether is enough paid the amount of money of paying the fees, if return transaction results inadequately, otherwise the notice core is drawn account; Communicate to the user increases the corresponding electricity charge amount of money with electric power simultaneously, return the result that pays the fees;
After IC-card system front end processor is received the result that pays the fees, call encryption equipment once more and carry out the transaction results data encryption, return transaction results encrypt data and cipher key index and give the TV bank payment platform.
Show the result that pays the fees as shown in Figure 9:
The TV bank payment platform pushes the transaction results ciphertext by CHINA RFTCOM Co Ltd and cipher key index arrives STB terminal, the set-top box analysis result page;
Results page shows transaction results, results page decrypted transaction result data when showing transaction results, and deciphering is carried out in two steps to data: data decryption and data read:
The data decryption process: the transaction results page requires tissue to treat the decrypted transaction result data according to decrypted format, call the deciphering interface that browser or middleware provide: SSRT.ioctlWrite (' BankCardDeCode ' then, Param2), this interface method calls top-set hardware driving carrying out data decryption associative operation; Top-set hardware drive receive treat data decryption after, be decrypted operation by the data decryption operational order that calls smart card and provide:
1, selects 3F00 00A4000002 3F00
2, select DF01 00A4000002 DF01
3, deciphering enDATA(128 byte) 80 1A 1A 01 00 (encryption initialization), 80 FA, 80 00 80+enDATA
After smart card is received decryption instructions, use the des algorithm identical that data are decrypted operation with encryption equipment.
Data decryption reads process: transaction results page invocation browser or middleware provide reads data decryption interface: SSRT.ioctlRead (' BankCardReadDeCode '), and this interface method calls top-set hardware and drives and carry out data read operation; After top-set hardware drives and to receive request, carry out data read, return deciphering back data after reading data by the read data operation instruction of calling smart card and providing;
Show the TV bank transaction results page on the TV.
Embodiment 2 (paying water rate)
Pay water rate realization technology with paying electricity charge unanimity, be described paying the water rate process below
1, user's button that uses a teleswitch sends the infrared operation set-top box and selects TV bank to pay the water rate menu; Set-top box receives infrared signal transmission url and asks TV payment public service platform; TV payment public service platform receives request and prepares the back page address;
2, TV payment public service platform server pushes to set-top box and pays the water rate page: TV payment public service platform returns pays the water rate page; The water rate page is paid in middleware that set-top box is built-in or browser resolves and demonstration;
Initiate to pay the water rate request by smart card, concrete grammar is as shown in table 1;
3, the user uses a teleswitch and imports the water numbering;
4, the user inputs password:
Numeral between page appearance this moment dynamic layout 0 to 9 of soft keyboard as shown in Figure 5; The user uses a teleswitch and selects the numeral on the soft keyboard to import;
5, click is determined to pay the fees:
The user clicks confirming button; The data transmission channel that TV payment public service platform is opened by set-top box or middleware calls smart card business datums such as water rate numbering is carried out data encryption;
6, bank card is encrypted data;
7, bank card returns to set-top box with the data encrypted packing;
8, TV payment public service platform reads the CA card number by set-top box or middleware;
Set-top box is forwarded to the processing of TV payment public service platform with encrypted packets and CA card number;
9, TV payment public service platform is preserved and is paid the water rate transaction data
10, TV payment public service platform sends to bank with encrypted packets according to protocol encapsulation;
11, bank's decrypted data packet is carried out relevant treatment such as authentication, legitimate verification, transaction;
12, bank sends to TV payment public service platform with result;
13, TV payment public service platform record transaction results;
14, TV payment public service platform turns back to display page as a result with the bank transaction result;
15, the data transmission channel opened by set-top box or middleware of display page calls smart card and carries out data decryption as a result;
16, bank card is decrypted data;
17, the packing data after bank card will be deciphered returns to set-top box
18, set-top box is resolved and is shown the water rate transaction results page;
Embodiment 3 (paying CATV fee)
Pay CATV fee realization technology with paying electricity charge unanimity, be described paying the CATV fee process below
1, user's button that uses a teleswitch sends the infrared operation set-top box and selects TV bank to pay the CATV fee menu; Set-top box receives infrared signal transmission url and asks TV payment public service platform; TV payment public service platform receives request and prepares the back page address;
2, TV payment public service platform server pushes to set-top box and pays the CATV fee page: TV payment public service platform returns pays the CATV fee page; The CATV fee page is paid in middleware that set-top box is built-in or browser resolves and demonstration;
Initiate to pay the CATV fee request by smart card, concrete grammar is as shown in table 1;
3, the user uses a teleswitch, and the input one number service is numbered or this machine of selection is paid the fees;
4, the user inputs password:
Numeral between page appearance this moment dynamic layout 0 to 9 of soft keyboard as shown in Figure 5; The user uses a teleswitch and selects the numeral on the soft keyboard to import;
5, click is determined to pay the fees:
The user clicks confirming button; The data transmission channel that TV payment public service platform is opened by set-top box or middleware calls smart card business datums such as one number service numbering is carried out data encryption;
6, bank card is encrypted data;
7, bank card returns to set-top box with the data encrypted packing;
8, TV payment public service platform reads the CA card number by set-top box or middleware;
Set-top box is forwarded to the processing of TV payment public service platform with encrypted packets and CA card number;
9, TV payment public service platform is preserved and is paid the CATV fee transaction data
10, TV payment public service platform sends to bank with encrypted packets according to protocol encapsulation;
11, bank's decrypted data packet is carried out relevant treatment such as authentication, legitimate verification, transaction;
12, bank sends to TV payment public service platform with result;
13, TV payment public service platform record transaction results;
14, TV payment public service platform turns back to display page as a result with the bank transaction result;
15, the data transmission channel opened by set-top box or middleware of display page calls smart card and carries out data decryption as a result;
16, bank card is decrypted data;
17, the packing data after bank card will be deciphered returns to set-top box
18, set-top box is resolved and is shown the cable TV transaction results page;
Embodiment 4 (paying telephone charges)
Pay telephone charges realization technology with paying electricity charge unanimity, be described paying the telephone charges process below
1, user's button that uses a teleswitch sends the infrared operation set-top box and selects TV bank to pay the telephone charges menu; Set-top box receives infrared signal transmission url and asks TV payment public service platform; TV payment public service platform receives request and prepares the back page address;
2, TV payment public service platform server pushes to set-top box and pays the telephone charges page: TV payment public service platform returns pays phonepages; The telephone charges page is paid in middleware that set-top box is built-in or browser resolves and demonstration;
Initiate to pay the phone request by smart card, concrete grammar is as shown in table 1;
3, the user uses a teleswitch and selects to pay the type of telephone expenses: cell phone, UNICOM's mobile phone, telecommunication handset, telecommunications fixed line etc.;
4, the user uses a teleswitch and imports the telephone number that will pay;
5, the user inputs password:
Numeral between page appearance this moment dynamic layout 0 to 9 of soft keyboard as shown in Figure 5; The user uses a teleswitch and selects the numeral on the soft keyboard to import;
6, click is determined to pay the fees:
The user clicks confirming button; The data transmission channel that TV payment public service platform is opened by set-top box or middleware calls smart card business datums such as phone number is carried out data encryption;
7, bank card is encrypted data;
8, bank card returns to set-top box with the data encrypted packing;
9, TV payment public service platform reads the CA card number by set-top box or middleware;
Set-top box is forwarded to the processing of TV payment public service platform with encrypted packets and CA card number;
10, TV payment public service platform is preserved and is paid the telephone charges transaction data
11, TV payment public service platform sends to bank with encrypted packets according to protocol encapsulation;
12, bank's decrypted data packet is carried out relevant treatment such as authentication, legitimate verification, transaction;
13, bank sends to TV payment public service platform with result;
14, TV payment public service platform record transaction results;
15, TV payment public service platform turns back to display page as a result with the bank transaction result;
16, the data transmission channel opened by set-top box or middleware of display page calls smart card and carries out data decryption as a result;
17, bank card is decrypted data;
18, the packing data after bank card will be deciphered returns to set-top box
19, set-top box is resolved and is shown the phone trading results page;
The business that TV bank supports also comprises
The combustion gas expense
Opened the bilateral network service and signed crowd bi-directional set-top box user of button agreement with bank, by this function combustion gas expense that prestores, the prestore amount of money and bank account password of user's input clicked and the corresponding amount of money prestored in the combustion gas account of IC-card binding after confirming.
1.2.1.2 account transfer
The bi-directional set-top box user who has opened the bilateral network service changes the money in the bank card account of intellective IC card association over to the another one account by this function.
Inter-bank is transferred accounts
Opened the bi-directional set-top box user of bilateral network service, can carry out inter-bank by this function and transfer accounts.The user fills in collecting account information, import title, site title and the collecting account of other business banks according to system prompt, fill in dealing money then, input the bank account password at last, meeting of TV-BANk system and banking system are carried out the backstage trading processing after confirming, transfer accounts thereby finished inter-bank.
Transfer accounts in the row
Opened the bi-directional set-top box user of bilateral network service, transferred accounts in can going by this function.
The user fills in collecting account information, according to system prompt input dealing money, inputs the bank account password at last, and meeting of TV-BANk system and banking system are carried out the backstage trading processing after confirming, transfer accounts thereby finished in the row.
TV shopping: goods browse
Open the bi-directional set-top box user of bilateral network service, browsed the commodity that to buy by this function.After the user clicks this function, can see different classes of commodity, the classification that can select to buy enters, and selects the commodity of oneself liking, and system supports the shopping basket function, the commodity that the user can select a plurality of desires to buy, payment together then.If when buying, click and buy the page and forward to and show all commodity in the shopping basket, the user can edit quantity purchase, forwards payment function at last to and pays.
Payment
The user can jump to this function by goods browse, also can click menu and enter into this function, if entered by goods browse, shows all commodity in the shopping basket, edits the quantity that each commodity will be bought.Can pay by TV-BANK after inputing the bank account password at last.After the TV-BANK background system is received payment information, can the system for prompting personnel carry out deliver goods.
Return Application
If the bi-directional set-top box user is dissatisfied to the commodity of oneself buying, can return goods by this function.
The user can import the details that goods number is inquired about purchased item earlier, to return goods if confirm, can click return of goods button, after the TV-BANK background system is received return of goods information, do not enter the dispensing flow process and can directly generate the transaction of returning goods if purchased commodity, payment for goods is returned in the user account by banking system.If shipped, then collect certain delivery expense, and can the active contact user carry out the commodity handling return by the business personnel to the user, meet return of goods requirement if purchased commodity, then generate the transaction of returning goods, payment for goods is returned in the user account by banking system, otherwise without return.
The commodity transposing
If the bi-directional set-top box user is dissatisfied to the commodity of sending here, can change by this function.
The user can import the details that goods number is inquired about purchased item earlier, if confirm and will change, can click zap button, after the TV-BANK background system is received transposing information, can the system for prompting personnel change processing.After system personnel was received transposing information, initiatively contact user was carried out commodity transposing processing.
Claims (10)
1. the TV bank public service platform is received single system and is formed by TV payment public service platform, set-top-box system, bank card system, bank's broadcasting and TV; It is characterized in that: TV payment public service platform is embedded into digital TV set-top-box system inside, by jointly smart card or USB KEY, jointly smart card draw-in groove or USB KEY socket, data wire are formed, with built-in browser and supporting remote controller collaborative work, become a total system, pass through transfer of data with bank's broadcasting and TV receipts single system and bank card system;
Described set-top-box system, TV payment public service platform, and the broadcasting and TV dedicated network is the data channel that bank card system and bank broadcasting and TV are received single system, and bank's broadcasting and TV are received the encrypted packets that single system and the transaction in bank's later stage, clearing all depend on bank card system;
The course of work of TV bank public service platform is as follows:
(1), the user enters the Web page that TV is paid public service platform by remote controller, selection fee payment service type; TV payment public service platform reads ID number of intelligent card of set-top box in the JSP routine call set-top box of set box browser operation, and submits to TV payment public service platform;
(2), TV payment public service platform is inquired about in pending business by the fee payment service type that ID number and user select, if Query Result is empty, then point out the user " you do not have the XXX service needed to pay the fees by native system ", if the result of inquiring then information such as the quantity of user's name, address, consumption, unit price, the total value of should paying the fees are presented on user's the browser;
(3), the user imports the bank card password that smart card is jointly bound by remote controller, and confirms;
(4), TV payment public service platform is at the JSP routine call set-top-box system of set box browser operation, with related service information such as professional unique number, type of service, the amount of money, bank card password, sends bank card system to;
(5), bank card system jointly encrypt, pack by smart card account number, business information, password etc.;
(6), TV payment public service platform is at the JSP routine call set-top-box system of set box browser operation, the transaction data package of reading encrypted, and submit to TV payment public service platform;
(7), TV payment public service platform is the transaction data package and the binding of professional unique number of encrypting, send bank's broadcasting and TV to and receive single system;
(8), bank broadcasting and TV receive transaction, the settlement system on single system and bank backstage, be decrypted, verify, processing such as clearing, and result and banking number are returned to TV pay public service platform;
(9), TV payment public service platform record transaction results, banking number, and on user browser, show processing result information.
2. TV bank public service platform according to claim 1, it is characterized in that the interface between described TV payment public service platform and the bank payment system is based on ICP/IP protocol, adopt the Socket technology to realize, communication mode connects for long, communicating pair is the side of service and customer each other, the initiator of communication is the customer, and the recipient is service side; Bank payment system is as service side during transaction, and TV payment public service platform is as the customer, and TV payment public service platform sends the transaction data newspaper of encrypting to bank payment system, and object information is lost in the friendship of reception bank payment system feedback;
The swap data form adopts Unionpay's standard;
(1), wherein business information 64 byte content are as follows:
Transaction Identification Number (12B), type of transaction (2B), the amount of money (12B), bank intelligent card card number (16B), type of service (2B), reservation (20B) (when transaction is consumer, are preserved the 15B of trade company; The transaction for the time-like of transferring accounts for changing account number 16-19B over to)
(2), password (16B) uses different secret keys to encrypt separately.
3. TV bank public service platform according to claim 1, it is characterized in that interface between described TV payment public service platform and the VOD system be and the BMS of VOD system between interface, based on open soap protocol interface communication, by the user charges data of this interface TV payment public service platform reception VOD system on-demand, feed back to the information of BMS TV bank public service platform payment transaction success or not.
4. TV bank public service platform according to claim 1 is characterized in that the http protocol that interface between described TV payment public service platform and the set box browser is based on standard communicates by letter, and transmits the real-time, interactive interface, browses for the user.
5. TV bank public service platform according to claim 1, it is characterized in that interface is based on open soap protocol interface communication between described TV payment public service platform and the BOSS/SMS system, TV payment public service platform receives Back ground Information, modification information, the log-off message of BOSS/SMS system user essential information and paying information, and feeds back to the BOSS/SMS system information of paying the fees.
6. TV bank public service platform according to claim 1, it is characterized in that described TV payment public service platform and bank's intellective IC card between information exchange system be, set-top box manufacturer develops the driver (communication protocol is T0) to bank's intellective IC card read-write, and the api interface that provides by the set-top box built-in browser in the JavaScript of set-top box built-in browser program that is provided by TV payment public service platform when communication calls the read-write operation of set-top box driving realization to bank's intellective IC card;
The method of operation that information between TV payment public service platform and bank's intellective IC card is concrete is as follows:
(1), obtains bank's intellective IC card sequence number function
SSRT.ioctlRead (Param1); Promptly obtain the sequence number of bank's intellective IC card
(2), obtain the sequence number function of broadcasting and TV CA card
SSRT.ioctlRead (Param1); Promptly obtain the sequence number of broadcasting and TV CA card
(3), encrypt the bank transaction data function
SSRT.ioctlWrite (Param1, Param2); Be about to encrypted data transmission and give bank's intellective IC card
SSRT.ioctlRead (Param); Promptly obtain bank card data encryption result
(4), encrypt the PIN of bank function
SSRT.ioctlWrite (Param1, Param2); Be about to PIN and be transferred to bank's intellective IC card
SSRT.ioctlRead (Param); Promptly obtain bank card and encrypt the PIN result
(5), decryption function
SSRT.ioctlWrite (Param1, Param2); Be about to encrypted data transmission and give bank's intellective IC card
SSRT.ioctlRead (Param1); Promptly obtain data decryption, this group function has 32,64,256 3 versions
(6), obtain ATR information
SSRT.ioctlRead (Param1); Promptly obtain ATR information
(7), result code definition:
" 00 ": success;
" 10 " draw-in groove does not insert smart card;
The smart card that " 20 " draw-in groove inserts is incorrect;
" 30 " handle failure;
" 90 " other mistakes.
7. TV bank public service platform according to claim 1 is characterized in that described jointly smart card adopts 10 core data wires to insert on the digital TV set-top box mainboard, mark on TV-BANK1 data wire socket, and 10 core data wire pins are:
1 pin: direct current supply positive wire;
2 pin: smart card action reset load;
3 pin: the intelligent card data synchronizing clock signals transmits lead-in wire;
4 pin: standby;
5 pin: ground lead;
6 pin: VPP position able to programme lead-in wire;
7 pin: intelligent card data input and output serial pin;
8 pin: standby;
9 pin: switch 1 lead-in wire;
10 pin: open relation lead-in wire.
8. TV bank public service platform according to claim 1 is characterized in that described jointly smart card draw-in groove is fixed on the CA card top of digital TV set-top box.
9. TV bank public service platform according to claim 1 is characterized in that described USB KEY adopts 4 core data wires to insert on the digital TV set-top box mainboard, and at TV-BANK2 data wire socket mark, 4 core data wire pins are:
1 the pin :+5V lead-in wire of powering
2 pin: DATA-transfer of data lead-in wire
3 pin: DATA+ transfer of data lead-in wire
4 pin: GND ground lead.
10. TV bank public service platform according to claim 1 is characterized in that described USB KEY panel side socket is fixed on the inboard CA card of digital TV set-top box panel left side; USB KEY is the encryption and decryption mode of standard, adopt the smart card cpu chip, internal structure is made up of CPU and encryption logic, RAM, ROM, EEPROM and I/O five parts: CPU is the control core, is responsible for coordinating other 4 part associated working of control and carrying out the encryption logic computing; RAM is responsible for providing the encrypt data of encrypting behind required memory space and the interim storage encryption; ROM storage encryption key; EEPROM provides point able to programme, but allows hardware driving and encryption logic are carried out erase operation; I/O is responsible for monitoring plug operation and data read and write interface.
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| CN201110108748XA CN102202092A (en) | 2011-04-28 | 2011-04-28 | Television bank public service platform |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110108748XA CN102202092A (en) | 2011-04-28 | 2011-04-28 | Television bank public service platform |
Publications (1)
| Publication Number | Publication Date |
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| CN102202092A true CN102202092A (en) | 2011-09-28 |
Family
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| CN201110108748XA Pending CN102202092A (en) | 2011-04-28 | 2011-04-28 | Television bank public service platform |
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| CN (1) | CN102202092A (en) |
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| CN103402141A (en) * | 2013-08-06 | 2013-11-20 | 江苏省广电有线信息网络股份有限公司南京分公司 | Ukey-based secure television payment method |
| CN103546454A (en) * | 2013-08-28 | 2014-01-29 | 深圳市龙视传媒有限公司 | Encryption method, encryption system and related equipment |
| CN104463566A (en) * | 2013-09-17 | 2015-03-25 | 中国移动通信集团公司 | Payment method and system, and corresponding device |
| CN103532962A (en) * | 2013-10-21 | 2014-01-22 | 国家电网公司 | Communication request message conversion method and device and data communication system |
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| CN104102859A (en) * | 2014-07-09 | 2014-10-15 | 深圳市茁壮网络股份有限公司 | JavaScript-based middleware authorization method and device |
| CN104102859B (en) * | 2014-07-09 | 2017-12-19 | 深圳市茁壮网络股份有限公司 | A kind of middleware authorization method and device based on JavaScript |
| US10438284B1 (en) | 2018-04-02 | 2019-10-08 | Capital One Services, Llc | Accessing a financial service using a media device |
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| CN108965424A (en) * | 2018-07-10 | 2018-12-07 | 中国银行股份有限公司 | A kind of method and device for business processing |
| CN108965424B (en) * | 2018-07-10 | 2021-02-26 | 中国银行股份有限公司 | Service processing method and device |
| CN112699974A (en) * | 2020-12-28 | 2021-04-23 | 珠海港信息技术股份有限公司 | Gas card reading and writing method and system based on browser |
| CN114554298A (en) * | 2022-02-23 | 2022-05-27 | 贵州多彩宝互联网服务有限公司 | Household affair handling system and method based on smart television |
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Application publication date: 20110928 |