CN102289752A - Mobile payment method and system based on cipher - Google Patents
Mobile payment method and system based on cipher Download PDFInfo
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- CN102289752A CN102289752A CN2011102014452A CN201110201445A CN102289752A CN 102289752 A CN102289752 A CN 102289752A CN 2011102014452 A CN2011102014452 A CN 2011102014452A CN 201110201445 A CN201110201445 A CN 201110201445A CN 102289752 A CN102289752 A CN 102289752A
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Abstract
The invention provides a mobile payment method and system based on a cipher. The system comprises a collection party mobile terminal, a payment party mobile terminal and a cipher matching server, wherein the collection party mobile terminal comprises a cipher information generating device for generating collection party cipher information, a collection information generating device for generating collection party payment information including order information, collection sum and a collection account number, and a collection information transmitting device for transmitting collection party cipher information and/or collection party payment information; the payment party mobile terminal comprises a cipher information generating device for generating payment party cipher information, an order information receiving device for receiving order information matched with a cipher, and a payment information transmitting device for transmitting payment party cipher information and/or payment party payment information including payment sum and a payment account number; and the cipher matching server comprises a collection information receiving device, a payment information receiving device, a cipher information matching device and a payment information transmitting device. According to the method and the system, the problem of near-field payment of a mobile terminal is solved.
Description
Technical field
The present invention is a kind of method of mobile payment and system based on secret signal about the on-site payment technology of mobile device specifically.
Background technology
At present, carrying out the near field payment by portable terminals such as mobile phones mainly is to realize by wireless radio-frequency.And when adopting wireless radio-frequency to carry out the near field payment, no matter be SIM card pad pasting or NFC terminal technology, all need hardware is carried out certain transformation.Therefore, all there is certain popularization bottleneck in existing near field payment technology on cost and terminal transparency, for example can have technology barrier on mutual to existing Mobile banking's client.
Summary of the invention
The invention provides a kind of method of mobile payment and system, with the problem of the near field payment that solves portable terminal based on secret signal.
One of purpose of the present invention is, a kind of method of mobile payment based on secret signal is provided, and this method comprises: (1) beneficiary payment information generates step, comprising: generate beneficiary secret signal information by the beneficiary portable terminal; Generate the beneficiary payment information that comprises sequence information, collection amount and shroff account number by the beneficiary portable terminal; Send beneficiary secret signal information and beneficiary payment information by the beneficiary portable terminal; (2) the paying party payment information generates step, comprising: generate paying party secret signal information by the paying party portable terminal; By paying party portable terminal Sending Payments side secret signal information; Receive the sequence information of secret signal coupling by the paying party portable terminal; Send the paying party payment information that comprises Payment Amount and payment number of the account by the paying party portable terminal; (3) payment information coupling step comprises: receive beneficiary secret signal information and beneficiary payment information that the beneficiary portable terminal sends; Receive the paying party secret signal information that the paying party portable terminal sends; Judge whether beneficiary secret signal information is complementary with paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given the paying party portable terminal; Receive the paying party payment information that the paying party portable terminal sends; Beneficiary payment information and paying party payment information are sent to the server of merchant bank or third party's acquirer.
One of purpose of the present invention is, a kind of mobile-payment system based on secret signal is provided, and this system comprises: (1) beneficiary portable terminal comprises: the secret signal information generation device is used to generate beneficiary secret signal information; The gathering information generation device is used to generate the beneficiary payment information that comprises sequence information, collection amount and shroff account number; The gathering information transmitting apparatus is used to send beneficiary secret signal information and/or beneficiary payment information; (2) paying party portable terminal comprises: the secret signal information generation device is used to generate paying party secret signal information; The sequence information receiving trap is used to receive the sequence information that secret signal is mated; The payment information dispensing device is used for Sending Payments side's secret signal information and/or comprises Payment Amount and the paying party payment information of payment number of the account; (3) secret signal match server comprises: the gathering information receiver is used to receive beneficiary secret signal information and/or the beneficiary payment information that the beneficiary portable terminal sends; The payment information receiving trap is used to receive paying party secret signal information and/or the paying party payment information that the paying party portable terminal sends; Secret signal information matches device is used to judge whether beneficiary secret signal information is complementary with paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given the paying party portable terminal; The payment information dispensing device is used for beneficiary payment information and paying party payment information are sent to the server of merchant bank or third party's acquirer.
Beneficial effect of the present invention is: gather the secret signal of being arranged by payer and beneficiary respectively by the portable terminal of payer and beneficiary, by the secret signal match server secret signal of payer and beneficiary is mated, determine the beneficiary and the paying party of secret signal coupling, solved the near field payment problem of portable terminal, and reduced the cost that pay in the near field, improved the compatibility of portable terminal.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is some embodiments of the present invention, for those skilled in the art, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the method for mobile payment process flow diagram based on secret signal of the embodiment of the invention;
Fig. 2 is the synoptic diagram based on the mobile-payment system of secret signal of the embodiment of the invention;
Fig. 3 is the structured flowchart of the beneficiary portable terminal of the embodiment of the invention;
Fig. 4 is the structured flowchart of the paying party portable terminal of the embodiment of the invention;
Fig. 5 is the structured flowchart of the secret signal match server of the embodiment of the invention;
Fig. 6 is the workflow diagram based on the mobile-payment system of secret signal of the embodiment of the invention;
Fig. 7 is the payment interface synoptic diagram of the portable terminal of the embodiment of the invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
As shown in Figure 1, the method for mobile payment based on secret signal of present embodiment comprises:
(1) the beneficiary payment information generates step, and this beneficiary payment information generates step and comprises: generate beneficiary secret signal information (step S101) by the beneficiary portable terminal; Generate the beneficiary payment information (step S102) that comprises sequence information, collection amount and shroff account number by the beneficiary portable terminal; Send beneficiary secret signal information and beneficiary payment information (step S103) by the beneficiary portable terminal;
(2) the paying party payment information generates step, and this paying party payment information generates step and comprises: generate paying party secret signal information (step S201) by the paying party portable terminal; By paying party portable terminal Sending Payments side secret signal information (step S202); Receive the sequence information (step S203) of secret signal coupling by the paying party portable terminal; Send the paying party payment information (step S204) that comprises Payment Amount and payment number of the account by the paying party portable terminal;
(3) payment information coupling step, this payment information coupling step comprises: receive beneficiary secret signal information and beneficiary payment information (step S301) that the beneficiary portable terminal sends; Receive the paying party secret signal information (step S302) that the paying party portable terminal sends; Judge whether beneficiary secret signal information is complementary with paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given paying party portable terminal (step S303), if not, then it fails to match (step S306) for secret signal; Receive the paying party payment information (step S304) that the paying party portable terminal sends; Beneficiary payment information and paying party payment information are sent to the server (step S305) of merchant bank or third party's acquirer.
Generating beneficiary secret signal information by the beneficiary portable terminal comprises: gather the movement locus of this beneficiary portable terminal self by the gyroscope of beneficiary portable terminal, generate beneficiary motion of mobile terminals track secret signal information; Generating paying party secret signal information by the paying party portable terminal comprises: gather the movement locus of this paying party portable terminal self by the gyroscope of paying party portable terminal, generate paying party motion of mobile terminals track secret signal information; Judging whether beneficiary secret signal information be complementary with paying party secret signal information comprises: judge whether beneficiary motion of mobile terminals track secret signal information is complementary with paying party motion of mobile terminals track secret signal information.
Generating beneficiary secret signal information by the beneficiary portable terminal comprises: by the filming apparatus photographic images of beneficiary portable terminal, generate beneficiary image secret signal information; Generating paying party secret signal information by the paying party portable terminal comprises: by the filming apparatus photographic images of paying party portable terminal, generate paying party image secret signal information; Judging whether beneficiary secret signal information be complementary with paying party secret signal information comprises: judge whether beneficiary image secret signal information is complementary with paying party image secret signal information.
Generating beneficiary secret signal information by the beneficiary portable terminal comprises: gather the collision frequency of this beneficiary portable terminal by the accelerometer of beneficiary portable terminal, generate beneficiary portable terminal collision frequency secret signal information; Generating paying party secret signal information by the paying party portable terminal comprises: gather the collision frequency of this paying party portable terminal by the accelerometer of paying party portable terminal, generate paying party portable terminal collision frequency secret signal information; Judging whether beneficiary secret signal information be complementary with paying party secret signal information comprises: judge whether beneficiary portable terminal collision frequency secret signal information is complementary with paying party portable terminal collision frequency secret signal information.
Generating beneficiary secret signal information by the beneficiary portable terminal comprises: gather the numeral or the character of beneficiary input by the input media of money side's portable terminal, generate beneficiary numeral or character secret signal information; Generating paying party secret signal information by the paying party portable terminal comprises: gather the numeral or the character of paying party input by the input media of paying party portable terminal, generate paying party numeral or character secret signal information; Judging whether beneficiary secret signal information be complementary with paying party secret signal information comprises: judge whether beneficiary numeral or character secret signal information are complementary with paying party numeral or character secret signal information.
Generating beneficiary secret signal information by the beneficiary portable terminal comprises: the short-range wireless communication means by the beneficiary portable terminal receives digital signature, generates beneficiary digital signature secret signal information; Generating paying party secret signal information by the paying party portable terminal comprises: the short-range wireless communication means by the paying party portable terminal receives digital signature, generates paying party digital signature secret signal information; Judging whether beneficiary secret signal information be complementary with paying party secret signal information comprises: judge whether beneficiary digital signature secret signal information is complementary with paying party digital signature secret signal information.
As shown in Figure 2, the mobile-payment system based on secret signal of present embodiment comprises:
(1) the beneficiary portable terminal 100, and this beneficiary portable terminal 100 comprises (as shown in Figure 3): secret signal information generation device 101 is used to generate beneficiary secret signal information; Gathering information generation device 102 is used to generate the beneficiary payment information that comprises sequence information, collection amount and shroff account number; Gathering information transmitting apparatus 103 is used to send beneficiary secret signal information and/or beneficiary payment information;
(2) the paying party portable terminal 200, and this paying party portable terminal 200 comprises (as shown in Figure 4): secret signal information generation device 201 is used to generate paying party secret signal information; Sequence information receiving trap 202 is used to receive the sequence information that secret signal is mated; Payment information dispensing device 203 is used for Sending Payments side's secret signal information and/or comprises Payment Amount and the paying party payment information of payment number of the account;
(3) the secret signal match server 300, and this secret signal match server 300 comprises (as shown in Figure 5): gathering information receiver 301 is used to receive beneficiary secret signal information and/or the beneficiary payment information that beneficiary portable terminal 100 sends; Payment information receiving trap 302 is used to receive paying party secret signal information and/or the paying party payment information that paying party portable terminal 200 sends; Secret signal information matches device 303 is used to judge whether beneficiary secret signal information is complementary with paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given paying party portable terminal 200; Payment information dispensing device 304 is used for beneficiary payment information and paying party payment information are sent to the server 400 of merchant bank or third party's acquirer.
In system shown in Figure 2, if the payment secret signal of beneficiary user and paying party user agreement is " mobile phone marks " U " shape track aloft ", then the beneficiary user is hand-held has gyrostatic mobile phone 100 and marks " U " shape track aloft, and beneficiary mobile phone 100 generates " U " shape track secret signal information of beneficiary portable terminals; The paying party user is hand-held to have gyrostatic mobile phone 200 and also marks " U " shape track aloft, and paying party mobile phone 200 generates " U " shape track secret signal information of beneficiary portable terminals; The gathering information receiver 301 of secret signal match server 300 receives beneficiary " U " shape track secret signal information and/or beneficiary payment information that beneficiary mobile phone 100 sends; Payment information receiving trap 302 receives paying party " U " shape track secret signal information and/or paying party payment information that paying party portable terminal 200 sends; Secret signal information matches device 303 is used to judge whether beneficiary " U " shape track secret signal information is complementary with paying party " U " shape track secret signal information, if the sequence information of the coupling that then sends coded signals is given paying party portable terminal 200; Payment information dispensing device 304 is used for beneficiary payment information and paying party payment information are sent to the server 400 of merchant bank or third party's acquirer.
The beneficiary portable terminal comprises: filming apparatus, be used for photographic images, and generate beneficiary image secret signal information; The paying party portable terminal comprises: filming apparatus, be used for photographic images, and generate paying party image secret signal information; Secret signal information matches device is used to judge whether beneficiary image secret signal information is complementary with paying party image secret signal information.
The beneficiary portable terminal comprises: accelerometer, be used to gather the collision frequency of this beneficiary portable terminal, and generate beneficiary portable terminal collision frequency secret signal information; The paying party portable terminal comprises: accelerometer, be used to gather the collision frequency of this paying party portable terminal, and generate paying party portable terminal collision frequency secret signal information; Secret signal information matches device is used to judge whether beneficiary portable terminal collision frequency secret signal information is complementary with paying party portable terminal collision frequency secret signal information.
The beneficiary portable terminal comprises: input media, be used to gather the numeral or the character of beneficiary input, and generate beneficiary numeral or character secret signal information; The paying party portable terminal comprises: input media, be used to gather the numeral or the character of paying party input, and generate paying party numeral or character secret signal information; Secret signal information matches device is used to judge whether beneficiary numeral or character secret signal information are complementary with paying party numeral or character secret signal information.
The beneficiary portable terminal comprises: short-range wireless communication means, be used to receive digital signature, and generate beneficiary digital signature secret signal information; The paying party portable terminal comprises: short-range wireless communication means, be used to receive digital signature, and generate paying party digital signature secret signal information; Secret signal information matches device is used to judge whether beneficiary digital signature secret signal information is complementary with paying party digital signature secret signal information.
In the present embodiment system used, secret signal was meant that can be used the digitized medium of portable terminal, can be numeral, literal and character, also can be picture, bar code, two-dimension code, can also be digital signature, even can be the bump information of portable terminal.
As shown in Figure 6, the workflow of present embodiment system comprises:
1. in beneficiary mobile phone and paying party mobile phone, preserve pay code information separately, for example bank of deposit, account number etc.
2. beneficiary user and paying party user determine that both sides can pass through the digitized secret signal of portable terminal.For example: (1) if both sides' mobile phone all comprises gyroscope (as iPhone4), secret signal can be with standardized aloft circle of mobile phone; (2) if both sides' mobile phone can be taken pictures, secret signal can be a scene, picture, bar code, the two-dimension code that on-the-spot both sides can take; (3) if both sides' mobile phone all comprises accelerometer, secret signal can be that mobile phone bumps mutually or both sides are all clashed into mobile phone desktop three times; (4) if both sides' mobile phone is all supported numeral or literal input, secret signal can be string number or the literal that both sides arrange; (5) if both sides' mobile phone is all supported bluetooth, WIFI or other wireless near field communications, secret signal can be a digital signature that digital signature equipment provides that connects by wireless near field communication.
If 3. beneficiary user current location P (can be a location estimation and error radius) can be determined by the beneficiary mobile phone in beneficiary mobile phone support location.After determining the position, the beneficiary mobile phone obtains the secret signal of both sides' agreement, sets up safety with backstage secret signal match server then and is connected (for example, by HTTPS or VPN).The beneficiary mobile phone input amount of money of transferring accounts is set up the order messages that comprises Payment Recipient ID (for example name, phone number etc.), secret signal, the amount of money, current location, and connects by safety order messages is transferred to the secret signal match server.
If 4. paying party user current location P (can be a location estimation and error radius) can be determined by the paying party mobile phone in beneficiary mobile phone support location.After determining the position, the beneficiary mobile phone obtains the secret signal of both sides' agreement, sets up safety with backstage secret signal match server then and is connected (for example, by HTTPS or VPN).In front and back that the beneficiary mobile phone sends information soon, the paying party mobile phone is set up the payment message that comprises payer ID (for example name and phone number), secret signal, current location, and connects by safety payment message is transferred to the secret signal match server.
5. secret signal match server in backstage is received the information that beneficiary mobile phone and paying party mobile phone send, and might as well suppose to receive earlier the information (sequence independence) of paying party mobile phone.The secret signal match server is waited for a regular time at interval, for example 10 seconds, then all order messages received in this time interval and the payment message of paying party mobile phone is mated, to obtain the corresponding relation of beneficiary mobile phone and paying party mobile phone.At first, the secret signal match server uses secret signal to mate.For some secret signals (as digital sequence or word sequence), the secret signal match server can accurately mate.For other secret signals (as photo), the secret signal match server need carry out fuzzy matching.The result of secret signal coupling is a formation, and Optimum Matching up front.Secondly, if comprise the position in the message of paying party mobile phone, matching result is filtered in secret signal match server use location.If message comprise the position and and the position difference of paying party mobile phone big (for example outside the position+error radius+threshold value of paying party mobile phone), then give up this message.Once more, for the Optimum Matching in the result queue after the information filtering of use location, if the result of secret signal coupling is all in an error range, it arrives secret signal match server time and arrives the difference of secret signal match server between the time with the paying party mobile phone information then to calculate payment information, selects not other all order messages in a threshold value of arrival mistiming then.Then these order messages are sent to the paying party mobile phone.
6. paying party is handset-selected and confirm the order of beneficiary mobile phone.If the order of beneficiary mobile phone does not show, then gets back to step and 2. restart flow process.After order was selected, the paying party mobile phone used the bank account information of preserving to set up the payment acknowledge message that comprises information such as payment, Payment Recipient ID, order number, connects the acknowledge message of will paying the bill by safety then and sends to the secret signal match server.If preserved a plurality of bank accounts in the paying party mobile phone, the paying party mobile phone need be selected an account of paying bank so.After the secret signal match server is received the payment acknowledge message, payment message is forwarded to the corresponding bank of deposit server of beneficiary according to bank of deposit's information wherein.After bank of deposit's server is finished and transferred accounts, send acknowledge message to the secret signal match server, secret signal match server advice and pay side mobile phone is finished and is transferred accounts.
7. bank of deposit's server can provide an own encrypted public key, and the payment mobile phone uses this PKI that some information (for example account number) of paying party are encrypted, and is transferred to the secret signal match server by encryption channel then.The secret signal match server sends to bank server with this enciphered message again.Can guarantee that like this sensitive information only to bank server as seen.
As shown in Figure 7, the payment mobile phone has account function is set, and this function setting is provided with when carrying out the near field payment, and the number of the account that payment and gathering are used can increase this function in the portable terminal service function page.The main card that can use the customer mobile terminal binding can not need the user again to sticking into row setting as acquiescence gathering and payment accounts like this.
In embodiments of the present invention, obtaining of secret signal is meant that mobile phone generates secret signal according to certain rule, for example:
(1) if the mobile phone of beneficiary and paying party all comprises gyroscope (as iPhone4), secret signal can be with standardized aloft circle of mobile phone;
(2) if both sides' mobile phone can be taken pictures, secret signal can be a scene, picture, bar code, the two-dimension code that on-the-spot both sides can take;
(3) if both sides' mobile phone all comprises accelerometer, secret signal can be that mobile phone bumps mutually or both sides are all clashed into mobile phone desktop three times;
(4) if both sides' mobile phone is all supported numeral or literal input, secret signal can be string number or the literal that both sides arrange;
(5) if both sides' mobile phone is all supported bluetooth, WIFI or other wireless near field communications, secret signal can be a digital signature that digital signature equipment provides that connects by wireless near field communication.
The terminal coupling is meant: the secret signal match server is sought out two terminals of mating most according to rule in the end message that all are uploaded.
Because native system beneficiary and paying party are to mate by secret signal, for the correctness that guarantees to mate, need carry out deviation control to different secret signals.
Because the uncertainty of wireless network, the secret signal match server carries out match search in the information in (for example 10 seconds) at certain time intervals when carrying out the terminal coupling.
Used specific embodiment among the present invention principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (12)
1. the method for mobile payment based on secret signal is characterized in that, described method comprises:
(1) the beneficiary payment information generates step, comprising:
Generate beneficiary secret signal information by the beneficiary portable terminal;
Generate the beneficiary payment information that comprises sequence information, collection amount and shroff account number by the beneficiary portable terminal;
Send described beneficiary secret signal information and beneficiary payment information by the beneficiary portable terminal;
(2) the paying party payment information generates step, comprising:
Generate paying party secret signal information by the paying party portable terminal;
Send described paying party secret signal information by the paying party portable terminal;
Receive the sequence information of secret signal coupling by the paying party portable terminal;
Send the paying party payment information that comprises Payment Amount and payment number of the account by the paying party portable terminal;
(3) payment information coupling step comprises:
Receive beneficiary secret signal information and beneficiary payment information that described beneficiary portable terminal sends;
Receive the paying party secret signal information that described paying party portable terminal sends;
Judge whether described beneficiary secret signal information is complementary with described paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given described paying party portable terminal;
Receive the paying party payment information that described paying party portable terminal sends;
Described beneficiary payment information and paying party payment information are sent to the server of merchant bank or third party's acquirer.
2. method according to claim 1, it is characterized in that, describedly generate beneficiary secret signal information by the beneficiary portable terminal and comprise: gather the movement locus of this beneficiary portable terminal self by the gyroscope of described beneficiary portable terminal, generate beneficiary motion of mobile terminals track secret signal information;
Describedly generate paying party secret signal information by the paying party portable terminal and comprise: gather the movement locus of this paying party portable terminal self by the gyroscope of described paying party portable terminal, generate paying party motion of mobile terminals track secret signal information;
Describedly judge whether described beneficiary secret signal information be complementary with described paying party secret signal information and comprise: judge whether described beneficiary motion of mobile terminals track secret signal information is complementary with described paying party motion of mobile terminals track secret signal information.
3. method according to claim 1 is characterized in that, describedly generates beneficiary secret signal information by the beneficiary portable terminal and comprises: by the filming apparatus photographic images of described beneficiary portable terminal, generate beneficiary image secret signal information;
Describedly generate paying party secret signal information by the paying party portable terminal and comprise:, generate paying party image secret signal information by the filming apparatus photographic images of described paying party portable terminal;
Describedly judge whether described beneficiary secret signal information be complementary with described paying party secret signal information and comprise: judge whether described beneficiary image secret signal information is complementary with described paying party image secret signal information.
4. method according to claim 1, it is characterized in that, describedly generate beneficiary secret signal information by the beneficiary portable terminal and comprise: gather the collision frequency of this beneficiary portable terminal by the accelerometer of described beneficiary portable terminal, generate beneficiary portable terminal collision frequency secret signal information;
Describedly generate paying party secret signal information by the paying party portable terminal and comprise: gather the collision frequency of this paying party portable terminal by the accelerometer of described paying party portable terminal, generate paying party portable terminal collision frequency secret signal information;
Describedly judge whether described beneficiary secret signal information be complementary with described paying party secret signal information and comprise: judge whether described beneficiary portable terminal collision frequency secret signal information is complementary with described paying party portable terminal collision frequency secret signal information.
5. method according to claim 1, it is characterized in that, describedly generate beneficiary secret signal information by the beneficiary portable terminal and comprise: gather the numeral or the character of beneficiary input by the input media of described beneficiary portable terminal, generate beneficiary numeral or character secret signal information;
Describedly generate paying party secret signal information by the paying party portable terminal and comprise: gather the numeral or the character of paying party input by the input media of described paying party portable terminal, generate paying party numeral or character secret signal information;
Describedly judge whether described beneficiary secret signal information be complementary with described paying party secret signal information and comprise: judge whether described beneficiary numeral or character secret signal information are complementary with described paying party numeral or character secret signal information.
6. method according to claim 1, it is characterized in that, describedly generate beneficiary secret signal information by the beneficiary portable terminal and comprise: wire communication device or short-range wireless communication means by described beneficiary portable terminal receive digital certificate, generate beneficiary digital signature secret signal information;
Describedly generate paying party secret signal information by the paying party portable terminal and comprise: wire communication device or short-range wireless communication means by described paying party portable terminal receive digital certificate, generate paying party digital signature secret signal information;
Describedly judge whether described beneficiary secret signal information be complementary with described paying party secret signal information and comprise: judge whether described beneficiary digital signature secret signal information is complementary with described paying party digital signature secret signal information.
7. the mobile-payment system based on secret signal is characterized in that, described system comprises:
(1) beneficiary portable terminal comprises:
The secret signal information generation device is used to generate beneficiary secret signal information;
The gathering information generation device is used to generate the beneficiary payment information that comprises sequence information, collection amount and shroff account number;
The gathering information transmitting apparatus is used to send described beneficiary secret signal information and/or beneficiary payment information;
(2) paying party portable terminal comprises:
The secret signal information generation device is used to generate paying party secret signal information;
The sequence information receiving trap is used to receive the sequence information that secret signal is mated;
The payment information dispensing device is used to send described paying party secret signal information and/or comprises Payment Amount and the paying party payment information of payment number of the account;
(3) secret signal match server comprises:
The gathering information receiver is used to receive beneficiary secret signal information and/or the beneficiary payment information that described beneficiary portable terminal sends;
The payment information receiving trap is used to receive paying party secret signal information and/or the paying party payment information that described paying party portable terminal sends;
Secret signal information matches device is used to judge whether described beneficiary secret signal information is complementary with described paying party secret signal information, if the sequence information of the coupling that then sends coded signals is given described paying party portable terminal;
The payment information dispensing device is used for described beneficiary payment information and paying party payment information are sent to the server of merchant bank or third party's acquirer.
8. system according to claim 7 is characterized in that, described beneficiary portable terminal comprises: gyroscope, be used to gather the movement locus of this beneficiary portable terminal self, and generate beneficiary motion of mobile terminals track secret signal information;
Described paying party portable terminal comprises: gyroscope, be used to collect the movement locus of this paying party portable terminal self, and generate paying party motion of mobile terminals track secret signal information;
Described secret signal information matches device is used to judge whether described beneficiary motion of mobile terminals track secret signal information is complementary with described paying party motion of mobile terminals track secret signal information.
9. system according to claim 7 is characterized in that, described beneficiary portable terminal comprises: filming apparatus, be used for photographic images, and generate beneficiary image secret signal information;
Described paying party portable terminal comprises: filming apparatus, be used for photographic images, and generate paying party image secret signal information;
Described secret signal information matches device is used to judge whether described beneficiary image secret signal information is complementary with described paying party image secret signal information.
10. system according to claim 7 is characterized in that, described beneficiary portable terminal comprises: accelerometer, be used to gather the collision frequency of this beneficiary portable terminal, and generate beneficiary portable terminal collision frequency secret signal information;
Described paying party portable terminal comprises: accelerometer, be used to gather the collision frequency of this paying party portable terminal, and generate paying party portable terminal collision frequency secret signal information;
Described secret signal information matches device is used to judge whether described beneficiary portable terminal collision frequency secret signal information is complementary with described paying party portable terminal collision frequency secret signal information.
11. system according to claim 7 is characterized in that, described beneficiary portable terminal comprises: input media, be used to gather the numeral or the character of beneficiary input, and generate beneficiary numeral or character secret signal information;
Described paying party portable terminal comprises: input media, be used to gather the numeral or the character of paying party input, and generate paying party numeral or character secret signal information;
Described secret signal information matches device is used to judge whether described beneficiary numeral or character secret signal information are complementary with described paying party numeral or character secret signal information.
12. system according to claim 7 is characterized in that, described beneficiary portable terminal comprises: short-range wireless communication means, be used to receive digital signature, and generate beneficiary digital signature secret signal information;
Described paying party portable terminal comprises: short-range wireless communication means, be used to receive digital signature, and generate paying party digital signature secret signal information;
Described secret signal information matches device is used to judge whether described beneficiary digital signature secret signal information is complementary with described paying party digital signature secret signal information.
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| CN2011102014452A CN102289752A (en) | 2011-07-18 | 2011-07-18 | Mobile payment method and system based on cipher |
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| CN2011102014452A CN102289752A (en) | 2011-07-18 | 2011-07-18 | Mobile payment method and system based on cipher |
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| CN102289752A true CN102289752A (en) | 2011-12-21 |
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| CN2011102014452A Pending CN102289752A (en) | 2011-07-18 | 2011-07-18 | Mobile payment method and system based on cipher |
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| CN105160526A (en) * | 2015-08-31 | 2015-12-16 | 盛世铸成科技（天津）有限公司 | Payment method and system |
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| CN105225104A (en) * | 2015-08-31 | 2016-01-06 | 盛世铸成科技（天津）有限公司 | A kind of method of payment and system |
| CN106980974A (en) * | 2016-01-18 | 2017-07-25 | 西安涅槃软件科技有限公司 | A kind of method and system of mobile payment |
| CN105741109A (en) * | 2016-03-07 | 2016-07-06 | 郁晓东 | Charging and payment data transmission/matching system and method |
| CN106067116A (en) * | 2016-06-07 | 2016-11-02 | 北京华秉科技有限公司 | The data transmission method of a kind of as seen and system |
| CN107665313A (en) * | 2017-05-19 | 2018-02-06 | 平安科技（深圳）有限公司 | Sensitive information methods of exhibiting, device, storage medium and computer equipment |
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