CN102402745A - Method and device for paying based on SD card - Google Patents
Method and device for paying based on SD card Download PDFInfo
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- CN102402745A CN102402745A CN201110325227XA CN201110325227A CN102402745A CN 102402745 A CN102402745 A CN 102402745A CN 201110325227X A CN201110325227X A CN 201110325227XA CN 201110325227 A CN201110325227 A CN 201110325227A CN 102402745 A CN102402745 A CN 102402745A
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Abstract
The invention discloses a method and a device for paying based on SD card. The method comprises the following steps of: browsing information of goods to be purchased by user; clicking the goods to be purchased, and reading bank account information by an SD card intelligent chip; interacting with a union pay payment server for payment; returning and displaying transaction result information; and updating goods sales information, and ending payment. The device comprises a union pay intelligent SD card control module, a union pay payment module and a goods management module. The user bank account information is bound with the SD card, bank card number is not needed to be input, and direct payment can be made anytime and anywhere, so that operation is convenient and fast. The method and the device for paying based on SD card are widely applied to the electronic commerce and logistics mobile industry.
Description
Technical field
The present invention relates to the payment platform field, particularly relate to a kind of method of payment and device based on the SD card.
Background technology
At present, the main means of payment of China still stay in money transaction, swipe the card or the shopping online of pc machine, yet along with the continuous development of payment technology and mobile phone hardware, mobile-phone payment has occupied one seat in payment technical field as a kind of emerging means of payment.Present stage, the implementation of mobile-phone payment is also more and more multiple various, has numerous other mobile-phone payments incomparable advantage, the particularly application on ecommerce and logistic industry very proper especially as a hand call payment system based on the SD card.
Summary of the invention
For addressing the above problem, the present invention provide a kind of easily, based on the method for payment of SD card.
Another object of the present invention provided a kind of utilize mobile phone order payment, based on the payment mechanism of SD card.
The technical solution adopted for the present invention to solve the technical problems is:
A kind of method of payment based on the SD card may further comprise the steps:
A, user browse goods to purchase information;
B, click goods to purchase utilize SD card intelligent chip to read bank account information;
C, mutual with Unionpay's paying server pays;
D, return and show transaction results information;
E, renewal merchandise sales information, payment finishes.
Further, said step B comprises:
B1, connect SD card intelligent chip through inner IO mouth;
The protocol communication of B2, completion and intelligent chip is created the encryption session passage;
B3, send finance through encrypted tunnel and instruct SD the core of the card sheet reading encrypted bank account information;
B4, will encrypt bank account information and carry out enciphering transformation again, and connect Unionpay's paying server, and accomplish with the cryptographic protocol of Unionpay paying server and communicate by letter.
Further, said step C comprises:
C1, payment data carry out message formatization;
Through intelligent chip verification of SD card and signature, this signature will be used for Unionpay's paying server checking prediction message legitimacy once more for C2, the message after will formaing;
C3, the payment message after will signing through encrypted tunnel send Unionpay's paying server to, after the other side's verification succeeds with withhold operation and return the result that withholds of execution.
A kind of payment mechanism based on the SD card comprises:
The control module of Unionpay's intelligent SD card is used for the user and browses goods to purchase information, clicks desire and buys product, utilizes SD card intelligent chip to read bank account information, returns and shows transaction results information;
Unionpay's payment module is used for the Unionpay paying server alternately, pays;
The merchandise control module is used to upgrade merchandise sales information.
Further, the control module of said Unionpay intelligent SD card is to be connected alternately with the Unionpay payment module.
Further, the control module of said Unionpay intelligent SD card is to be connected alternately with the merchandise control module.
Beneficial effect of the present invention: a kind of method of payment based on the SD card, the user browses goods to purchase information, clicks goods to purchase; Utilize SD card intelligent chip to read bank account information; Mutual with the Unionpay paying server, pay, return and show transaction results information; Upgrade merchandise sales information, payment finishes.The user only need carry mobile phone just can realize payment whenever and wherever possible, and checks payout status, is specially adapted to ecommerce and logistics moves industry.
Another beneficial effect of the present invention: a kind of payment mechanism based on the SD card comprises control module, Unionpay's payment module and the merchandise control module of Unionpay's intelligent SD card; The bank card account number of mobile phone SD card user bound; System reads user's Bank Account Number information automatically when paying from mobile phone SD card; Need not import bank's card number in addition, pay more convenient.
Description of drawings
Below in conjunction with accompanying drawing the present invention is described further:
Fig. 1 is the flow chart of steps of a kind of method of payment based on the SD card of the present invention;
Fig. 2 is a kind of method of payment first embodiment process flow diagram based on the SD card of the present invention;
Fig. 3 is a kind of method of payment second embodiment process flow diagram based on the SD card of the present invention;
Fig. 4 is a kind of method of payment most preferred embodiment process flow diagram based on the SD card of the present invention.
Fig. 5 is the modular structure figure of a kind of payment system based on the SD card of the present invention.
Embodiment
With reference to Fig. 1, a kind of method of payment based on the SD card may further comprise the steps:
A, user browse goods to purchase information;
B, click goods to purchase utilize SD card intelligent chip to read bank account information;
C, mutual with Unionpay's paying server pays;
D, return and show transaction results information;
E, renewal merchandise sales information, payment finishes.
With reference to Fig. 2, further as preferred embodiment, said step B comprises:
B1, connect SD card intelligent chip through inner IO mouth;
The protocol communication of B2, completion and intelligent chip is created the encryption session passage;
B3, send finance through encrypted tunnel and instruct SD the core of the card sheet reading encrypted bank account information;
B4, will encrypt bank account information and carry out enciphering transformation again, and connect Unionpay's paying server, and accomplish with the cryptographic protocol of Unionpay paying server and communicate by letter.
With reference to Fig. 3, further as preferred embodiment, said step C comprises:
C1, payment data carry out message formatization;
Through intelligent chip verification of SD card and signature, this signature will be used for Unionpay's paying server checking prediction message legitimacy once more for C2, the message after will formaing;
C3, the payment message after will signing through encrypted tunnel send Unionpay's paying server to, after the other side's verification succeeds with withhold operation and return the result that withholds of execution.
With reference to Fig. 4, further as preferred embodiment, a kind of method of payment based on the SD card may further comprise the steps:
A, user browse goods to purchase information;
B, click goods to purchase utilize SD card intelligent chip to read bank account information;
C, mutual with Unionpay's paying server pays;
D, return and show transaction results information;
E, renewal merchandise sales information, payment finishes.
Further as preferred embodiment, said step B comprises:
B1, connect SD card intelligent chip through inner IO mouth;
The protocol communication of B2, completion and intelligent chip is created the encryption session passage;
B3, send finance through encrypted tunnel and instruct SD the core of the card sheet reading encrypted bank account information;
B4, will encrypt bank account information and carry out enciphering transformation again, and connect Unionpay's paying server, and accomplish with the cryptographic protocol of Unionpay paying server and communicate by letter.
Further as preferred embodiment, said step C comprises:
C1, payment data carry out message formatization;
Through intelligent chip verification of SD card and signature, this signature will be used for Unionpay's paying server checking prediction message legitimacy once more for C2, the message after will formaing;
C3, the payment message after will signing through encrypted tunnel send Unionpay's paying server to, after the other side's verification succeeds with withhold operation and return the result that withholds of execution.
With reference to Fig. 5, a kind of payment mechanism based on the SD card comprises:
The control module of Unionpay's intelligent SD card is used for the user and browses goods to purchase information, clicks desire and buys product, utilizes SD card intelligent chip to read bank account information, returns and shows transaction results information;
Unionpay's payment module is used for the Unionpay paying server alternately, pays;
The merchandise control module is used to upgrade merchandise sales information.
Further as preferred embodiment, the control module of said Unionpay intelligent SD card is to be connected alternately with the Unionpay payment module.
Further as preferred embodiment, the control module of said Unionpay intelligent SD card is to be connected alternately with the merchandise control module.
Certainly; The present invention is not limited to above-mentioned embodiment; Those of ordinary skill in the art also can make equivalent variations or replacement under the prerequisite of spirit of the present invention, modification that these are equal to or replacement all are included in the application's claim institute restricted portion.
Claims (6)
1. method of payment based on the SD card is characterized in that: may further comprise the steps:
A, user browse goods to purchase information;
B, click goods to purchase utilize SD card intelligent chip to read bank account information;
C, mutual with Unionpay's paying server pays;
D, return and show transaction results information;
E, renewal merchandise sales information, payment finishes.
2. a kind of method of payment according to claim 1 based on the SD card, it is characterized in that: said step B comprises:
B1, connect SD card intelligent chip through inner IO mouth;
The protocol communication of B2, completion and intelligent chip is created the encryption session passage;
B3, send finance through encrypted tunnel and instruct SD the core of the card sheet reading encrypted bank account information;
B4, will encrypt bank account information and carry out enciphering transformation again, and connect Unionpay's paying server, and accomplish with the cryptographic protocol of Unionpay paying server and communicate by letter.
3. a kind of method of payment according to claim 1 based on the SD card, it is characterized in that: said step C comprises:
C1, payment data carry out message formatization;
Through intelligent chip verification of SD card and signature, this signature will be used for Unionpay's paying server checking prediction message legitimacy once more for C2, the message after will formaing;
C3, the payment message after will signing through encrypted tunnel send Unionpay's paying server to, after the other side's verification succeeds with withhold operation and return the result that withholds of execution.
4. payment mechanism based on the SD card is characterized in that: comprising:
The control module of Unionpay's intelligent SD card is used for the user and browses goods to purchase information, clicks desire and buys product, utilizes SD card intelligent chip to read bank account information, returns and shows transaction results information;
Unionpay's payment module is used for the Unionpay paying server alternately, pays;
The merchandise control module is used to upgrade merchandise sales information.
5. a kind of payment mechanism based on the SD card according to claim 4 is characterized in that: the control module of said Unionpay intelligent SD card is to be connected alternately with the Unionpay payment module.
6. a kind of payment mechanism based on the SD card according to claim 4 is characterized in that: the control module of said Unionpay intelligent SD card is to be connected alternately with the merchandise control module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110325227XA CN102402745A (en) | 2011-10-24 | 2011-10-24 | Method and device for paying based on SD card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110325227XA CN102402745A (en) | 2011-10-24 | 2011-10-24 | Method and device for paying based on SD card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102402745A true CN102402745A (en) | 2012-04-04 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201110325227XA Pending CN102402745A (en) | 2011-10-24 | 2011-10-24 | Method and device for paying based on SD card |
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| CN (1) | CN102402745A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104899772A (en) * | 2014-03-06 | 2015-09-09 | 晶硕光学股份有限公司 | Electronic device for purchasing contact lenses |
| CN106372875A (en) * | 2016-08-30 | 2017-02-01 | 深圳市爱贝信息技术有限公司 | Payment processing system and method |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2003030558A (en) * | 2001-07-11 | 2003-01-31 | Jcb:Kk | Sales information management system and method therefor |
| CN101436280A (en) * | 2008-12-15 | 2009-05-20 | 北京华大智宝电子系统有限公司 | Method and system for implementing electronic payment of mobile terminal |
| CN101763687A (en) * | 2008-12-23 | 2010-06-30 | 北京汇凯网络技术服务有限公司 | Electronic payment card |
| CN102222294A (en) * | 2011-05-31 | 2011-10-19 | 李镇波 | Novel mobile phone payment method |
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2011
- 2011-10-24 CN CN201110325227XA patent/CN102402745A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2003030558A (en) * | 2001-07-11 | 2003-01-31 | Jcb:Kk | Sales information management system and method therefor |
| CN101436280A (en) * | 2008-12-15 | 2009-05-20 | 北京华大智宝电子系统有限公司 | Method and system for implementing electronic payment of mobile terminal |
| CN101763687A (en) * | 2008-12-23 | 2010-06-30 | 北京汇凯网络技术服务有限公司 | Electronic payment card |
| CN102222294A (en) * | 2011-05-31 | 2011-10-19 | 李镇波 | Novel mobile phone payment method |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104899772A (en) * | 2014-03-06 | 2015-09-09 | 晶硕光学股份有限公司 | Electronic device for purchasing contact lenses |
| CN106372875A (en) * | 2016-08-30 | 2017-02-01 | 深圳市爱贝信息技术有限公司 | Payment processing system and method |
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Application publication date: 20120404 |