CN102496110A

CN102496110A - Mobile payment system constructed by wireless local area network authentication and privacy infrastructure (WAPI)

Info

Publication number: CN102496110A
Application number: CN2011104573935A
Authority: CN
Inventors: 赵颜
Original assignee: Individual
Current assignee: Individual
Priority date: 2011-12-30
Filing date: 2011-12-30
Publication date: 2012-06-13
Also published as: CN103049846A

Abstract

The invention discloses a mobile payment system constructed by a wireless local area network authentication and privacy infrastructure (WAPI). After a merchant adds a WAPI router in a conventional cashing system, a consumer can realize online payment through own WAPI mobile phone. Substantially all conventional smart phones are configured with a WAPI function, and a user inputs information about a bank card into the mobile phone in advance, and can finish the whole payment process only by pressing down a payment button on the mobile phone in settlement. Simultaneously, consumption details and payment information are stored in the mobile phone. The WAPI is a wireless local area network transmission standard which is the proprietary intellectual property of China, and has a function of authenticating accessing mobile phone equipment. If the mobile phone of the user is accidentally lost, the information about the bank card in the mobile phone cannot be leaked. The mobile payment system is applied to the settlement between the consumer and the merchant.

Description

A kind of hand call payment system that makes up with WAPI

Technical field

The present invention relates to a kind of wireless electron method of payment and system, realize the function of consumption and payment with mobile phone.

Background technology

The consumer does shopping in the market, except paying the bill in cash.The mode that also can be employed in brush bank card on the POS machine is paid the bill.To swipe the card be a kind of on-line payment form, through the sequence of operations of swiping the card, accomplished the consumption amount of money is transferred to account under the market from consumer's bank account process.

The benefit of swiping the card is conspicuous, especially wholesale consumption.Bring many facilities to the consumer.But because the bank card quantity that has of people is more and more, management is inconvenient, carry easily and lose, and the drawbacks such as personal account information leakage that bank card possibly occur after losing is also outstanding day by day.

WAPI (Wireless LAN Authentication and Privacy Infrastructure WLAN authentication and privacy infrastructure) is that China is first in the communications field autonomous innovation of computing machine broadband wireless network and have the safe access technology standard of intellecture property.In one of two standards in this field, compare another 802.11i standard (WIFI) by the leading serious safety defect of accomplishing of generally acknowledged existence of American I EEE as the whole world, WAPI has tangible safety and technical advantage, and undiscovered so far have a safety technique leak.

WAPI adopts elliptic curve cryptography and the block cipher of privacy key system of the RSA arithmetic of State Secret Code Regulatory Commission Office's approval, has realized identity discriminating, link verification, access control and the user profile encipherment protection under transmission of status of equipment

So WAPI can build the on-line payment environment of a safety.

Summary of the invention

The objective of the invention is to let businessman build a WAPI WLAN, let the consumer pass through this LAN, accomplish the on-line payment function of bank card with the mobile phone of oneself.

For realizing above-mentioned purpose, the scheme that the present invention adopts is made up of following three parts:

First: consumer's (paying party)

A mobile phone that disposes the WAPI function.

The client software that is used for settlement function is installed in the mobile phone.When the user starts this software, need input to start password.After entering into this software, the consumer will input the information such as the affiliated row of bank card, card number and password of oneself in advance.This software allows the user to import a plurality of bank card information.

This software has the storage consumption data, the function that consumption data is filed, calculates, exported.

This software also has the function that authentication information is provided to the WAPI router that inserts.

Second portion: businessman's (beneficiary)

WAPI router: by the WAPI focus of businessman in the placement of clearing zone.Its signal can cover businessman clearing district.Its effect is the checking of consumer's mobile phone being carried out legal identity, and network access channel is provided only for legal mobile phone.

The security of WAPI network especially is embodied in and can carries out the discriminating of legitimacy to the cell phone apparatus that request inserts.This property and information security to the protection consumer is an indispensable link.After consumer's mobile phone was lost accidentally, the owner of lost property can take some statement measures afterwards, put on record in the back-office support system of WAPI router, and the settlement function on this mobile phone had also just lost efficacy so.

Cashier equipment commonly used.Like commodity bar code input device, manual input unit, data processing centre (DPC) etc.

Third part: third party's payment platform

Third party's payment platform is the on-line payment service platform of on network safety platform, setting up.Through communication, computing machine and information security technology, between businessman and bank, connect, thus a platform of monetary payoff between realization consumer, financial institution and the businessman, cash circulation, fund clearing, query statistic.

In the body series, also can directly settle accounts between businessman, consumer, the bank.Third party's payment platform is optional.But keeping of native system needs revenue source, and the participation of third party's payment platform has not only increased the security of network payment, and lets native system participate in being divided into of transaction service charge.

Description of drawings

Fig. 1 makes up the process flow diagram of hand call payment system with WAPI for the present invention

Embodiment

Such as a market 20 cashiers are arranged, be numbered 1-20.On No. 7 cashiers, the cashier is valuating to the article of consumer's buying.After all article were accomplished valuation, through cashier's operation, data processing centre (DPC) generated a trading card.

Consumer at No. 7 cashiers uses mobile-phone payment like decision.Start the clearing software on the mobile phone, after input started password entering program interface, the WAPI on the mobile phone started.After searching the WAPI focus in market, through authentication, and after being connected on the WAPI router, the consumer can see 1-20 sales counter number option on mobile phone.No. 7, consumer choice can show the list of articles that oneself is purchased on the mobile phone, unit price and total payment, and the trading card of third party's payment platform submission.The consumer confirm errorless after, press payment button.Mobile phone is accomplished filling in of relevant information on the trading card automatically, and issues third party's payment platform to trading card, is settled accounts by third party's payment platform and bank.

If this consumer's account No. is withholdd successfully, third party's payment platform sends the clearing information of successful to consumer and businessman, and transaction is accomplished.

If it is unsuccessful that this client's account No. is withholdd, third party's payment platform then sends the reason of the failure of withholing to the consumer, sends the information of gathering failure to businessman.

If bundled a plurality of consumers' account No. in the mobile phone, after the consumer presses payment button, can increase the option of which account number payment of a usefulness.

If when valuating, consumer's mobile phone has signed in on the WAPI router at the article of buying, the consumer is the valuation process that can see each article synchronously on mobile phone.Both valuation of article of the every completion of cashier will show title, unit price and the total charge of this moment of these article on the mobile phone.

Claims

1. hand call payment system that makes up with WAPI is characterized in that:

The WAPI router is placed in the cash register zone by businessman, is used for connecting the mobile phone of consumer's hand, and the network path of an on-line payment is provided for consumer's mobile phone;

The backstage of WAPI router connects and comprises commodity scanning, input, data processing centre (DPC), and the third party's payment platform gateway that connects bank;

The consumer is connected to the network that the WAPI router makes up with the mobile phone of WAPI function, and startup is installed in the software that is exclusively used in payment function in the mobile phone, the on-line payment of realization consumer bank card account.

2. a kind of hand call payment system that makes up with WAPI according to claim 1, it is characterized in that: the mobile phone that the WAPI router inserts request carries out the function of legal identity checking in advance; Send the inventory of buying and the trading card that generates by third party's payment platform in real time to the mobile phone that inserts.

3. a kind of hand call payment system that makes up with WAPI according to claim 1 is characterized in that: be installed in the software that is exclusively used in payment function in the mobile phone, need the user to input the startup password during startup; Can bundle the information of many bank cards; Store consumption data, to the function of consumption data filing, calculating, output; Has the function that authentication information is provided to the WAPI router that inserts; On the trading card that receives, fill in user's bank card information automatically, and send to the function of third party's payment platform request payment through the WAPI network channel.

4. a kind of hand call payment system that makes up with WAPI according to claim 1; It is characterized in that: after user's mobile phone is lost; The owner of lost property can put on record through the back-office support system at the WAPI router, makes the function of the settlement function software failure on the lost mobile phone.