CN102521744B - Method of network payment and device - Google Patents

Method of network payment and device Download PDF

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Publication number
CN102521744B
CN102521744B CN201110441862.4A CN201110441862A CN102521744B CN 102521744 B CN102521744 B CN 102521744B CN 201110441862 A CN201110441862 A CN 201110441862A CN 102521744 B CN102521744 B CN 102521744B
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CN
China
Prior art keywords
payment
network
information
terminal
mobile terminal
Prior art date
Application number
CN201110441862.4A
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Chinese (zh)
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CN102521744A (en
Inventor
刘春海
彭辉俊
张忠海
Original Assignee
中兴通讯股份有限公司
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Priority to CN201110441862.4A priority Critical patent/CN102521744B/en
Publication of CN102521744A publication Critical patent/CN102521744A/en
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Publication of CN102521744B publication Critical patent/CN102521744B/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification numbers [PIN]

Abstract

The invention discloses a kind of method of network payment and device.Wherein, this method includes:The network terminal sends to mobile terminal and pays request, wherein, the network terminal is connected with internet;The network terminal receives the confirmation successful information that mobile terminal is sent in the case of mobile terminal judges that the secure authentication information of user's input is correct;The network terminal uses the encryption information for confirming to store in successful information acquisition mobile terminal;The network terminal carries out network payment after payment information is encrypted according to encryption information.By the invention it is possible to improve the security performance of network on-line payment.

Description

Method of network payment and device

Technical field

The present invention relates to the communications field, in particular to a kind of method of network payment and device.

Background technology

Near-field communication (Near Field Communication, referred to as NFC), also known as wireless near field communication, are one Short-range high frequency wireless communication technology is planted, the technology allows to carry out contactless Point-to-Point Data Transmission friendship between electronic equipment Change data.With the business application of NFC technique, substantial amounts of NFC mobile phone is easily accepted by a user, the closely payment function of NFC mobile phone Also it is widely used, consumer has therefrom experienced conveniently purchase experiences, still, NFC mobile phone is closely The means of payment still belongs to aspectant shopping way.

With the development of network, the shopping way of traditional face-to-face formula can not meet consumer demand, shopping Mode must develop towards many-sided, direction by all kinds of means, and various network technologies have also conformed to this developing direction, just by Gradually change the purchasing habits of people, for example, consumer can complete to merchandise by real-time performance, buy the business of oneself satisfaction Product.Currently, network on-line payment function has obtained extensive development, and online network payment means are mainly stored value card (example Such as:Alipay etc.), still, stored value card exists using complexity on network payment, needs to apply for account, more topmost It is the problems such as security is poor, wherein, it is that stored value card is not added using proprietary hardware to cause the reason for security performance is poor The tight safety measure of close grade carries out on-line payment.

For above-mentioned situation, there is presently no a kind of safe payment method, the peace of the existing network means of payment can be solved The problem of full poor-performing.Meanwhile, also it is not a kind of can both meet it is aspectant closely pay, can meet again on network On-line payment mode network payment mode.

The content of the invention

The present invention provides a kind of method of network payment and device, at least to solve the above problems.

According to an aspect of the invention, there is provided a kind of method of network payment, including:The network terminal is sent out to mobile terminal Payment is sent to ask, wherein, the network terminal is connected with internet;The network terminal judges the safety verification of user's input in mobile terminal In the case of information is correct, the confirmation successful information that mobile terminal is sent is received;The network terminal is obtained using confirmation successful information The encryption information stored in mobile terminal;The network terminal carries out network branch after payment information is encrypted according to encryption information Pay.

Preferably, mobile terminal judges the secure authentication information of user's input, including:Asked when mobile terminal receives payment When asking, the secure authentication information of user's input is received;Preset security information according to mobile terminal is stored in is believed safety verification Breath is judged;In the case where being judged to being, sent to the network terminal and confirm successful information.

Preferably, preset security information includes one below:Security password, fingerprint identification information.

Preferably, before institute's network terminal sends to mobile terminal and pays request, including:The network terminal passes through with lower section One of formula is connected with mobile terminal:USB interface, blue tooth interface.

Preferably, the network terminal is internet terminal, including:The transaction for carrying out bank's on-line payment by internet is put down Platform.

Preferably, mobile terminal is NFC mobile phone, including:Security Encryption module, wherein, it is stored with Security Encryption module Encryption information.

Preferably, Security Encryption module is safety means (Secrecy Element, referred to as SE) module.

Preferably, encryption information is digital certificate.

According to another aspect of the present invention there is provided a kind of network payment device, including:Sending module, for movement Terminal, which is sent, pays request, wherein, the network terminal is connected with internet;First receiving module, for judging to use in mobile terminal In the case of the secure authentication information of family input is correct, the confirmation successful information that mobile terminal is sent is received;Acquisition module, is used for According to the encryption information for confirming to store in successful information acquisition mobile terminal;Payment module, for according to encryption information to pay Information carries out network payment after being encrypted.

Preferably, the device also includes:Second receiving module, is carried out at clearing for receiving bank's mobile payment server The payment completion message fed back after reason.

By the present invention, using being used in combination in the network terminal with mobile terminal, realize hardware encryption in mobile terminal Mode, solves the problem of existing network payment mode security performance is relatively low, and then reached raising network payment mode Security performance, it is also possible to the demand that user chooses aspectant closely payment or network payment mode is met, so that Improve the effect of Consumer's Experience.

Brief description of the drawings

Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes the part of the application, this hair Bright schematic description and description is used to explain the present invention, does not constitute inappropriate limitation of the present invention.In the accompanying drawings:

Fig. 1 is the schematic flow sheet of method of network payment according to embodiments of the present invention;

Fig. 2 is the flow chart of network on-line payment according to the preferred embodiment of the invention;

Fig. 3 is the flow chart of data transfer according to the preferred embodiment of the invention and encryption;

Fig. 4 is the structured flowchart of network payment device according to embodiments of the present invention;

Fig. 5 is the structured flowchart of preferred network payment mechanism according to embodiments of the present invention;

Fig. 6 is the system construction drawing of application network payment mechanism according to the preferred embodiment of the invention;

Fig. 7 is the hardware architecture diagram of the system of application network payment mechanism according to the preferred embodiment of the invention.

Embodiment

Describe the present invention in detail below with reference to accompanying drawing and in conjunction with the embodiments.It should be noted that not conflicting In the case of, the feature in embodiment and embodiment in the application can be mutually combined.

Fig. 1 is the schematic flow sheet of method of network payment according to embodiments of the present invention, as shown in figure 1, this method is main Comprise the following steps (step S102- step S108):

Step S102, the network terminal sends to mobile terminal and pays request, wherein, the network terminal is connected with internet;

Step S104, the network terminal connects in the case of mobile terminal judges that the secure authentication information of user's input is correct Receive the confirmation successful information that mobile terminal is sent;

Step S106, the network terminal uses the encryption information for confirming to store in successful information acquisition mobile terminal;

Step S108, the network terminal carries out network payment after payment information is encrypted according to encryption information.

Wherein, in step S104, mobile terminal judges the secure authentication information of user's input, including:Work as mobile terminal When receiving payment request, the secure authentication information of user's input is received;According to the preset security information for being stored in mobile terminal Secure authentication information is judged;In the case where being judged to being, sent to the network terminal and confirm successful information.In the present invention A preferred embodiment in, preset security information can include one below:Security password, fingerprint identification information.Pass through Take in the way of user's input secure authentication information, can improve using security during mobile terminal.

Preferably, before institute's network terminal sends to mobile terminal and pays request, including:The network terminal passes through with lower section One of formula is connected with mobile terminal:USB interface, blue tooth interface.

In a preferred embodiment of the present invention, the network terminal is internet terminal, and the internet terminal includes:It is logical Cross the transaction platform that internet carries out bank's on-line payment;Mobile terminal is NFC mobile phone, and the NFC mobile phone includes:Safety encryption mould Block, wherein, be stored with encryption information in Security Encryption module.Safer transaction platform and module can be improved more than The security performance of on-line payment.

Preferably, Security Encryption module is SE modules, and encryption information is digital certificate.

For example, in the preferred embodiment of the present invention, the safe payment method being encrypted comprises the following steps:It is mobile Terminal (for example, NFC mobile phone) is set up with terminal (for example, PC) by communication interfaces such as USB or bluetooths and is connected;User passes through PC Consumption online is carried out, when needing to be paid, PC sides send one and pay request to NFC mobile phone, for asking to confirm to pay Behavior;NFC mobile phone side joint is received after request, and input the safety measure such as password or fingerprint detection by user enters to user identity Row authentication processing, if input is by verifying, confirmation, which allows to pay, asks, and sends the successful message of confirmation to PC.PC is obtained To allowing after request, encryption information is obtained from the security module (SE modules) in NFC mobile phone, according to encryption information to accounts information Carried out with the amount of money is delivered after safe encryption, then mobile banking's server payment system is safely transmitted to by outer net, so as to complete Network payment behavior.

Above-mentioned method of network payment is specifically described with reference to specific embodiment.

Fig. 2 is the flow chart of network on-line payment according to the preferred embodiment of the invention, as shown in Fig. 2 the flow is main Comprise the following steps:

S202, terminal is connected with the mobile phone with NFC function;

NFC mobile phone is connected by means of communication such as USB interface, blue tooth interfaces with terminal (for example, PC);Terminal recognition NFC Can be communicated after mobile phone by USB with the baseband chip of NFC mobile phone, thus complete PC and NFC mobile phone information data exchange and The exchange of control message.

S204, end side sends one and pays request to NFC mobile phone;

User is connected by terminal with public network, carries out consumption online, when needing to pay, it is necessary to select NFC mobile phone to pay, Terminal then sends to mobile phone side and pays request instruction.

S206, NFC mobile phone carries out safety verification by means such as passwords;

NFC mobile phone side have received after the payment request instruction of terminal transmission, and user needs to carry out safe test by mobile phone side Card, the mode of checking can carry out safety verification by means such as fingerprint recognition, cell phone passwords;After safety certification success, NFC hands Pusher side returns one to terminal and confirms successfully to instruct.

S208, terminal utilizes the security module in NFC mobile phone, by accounts information, delivers the amount of money, carries out after safe encryption, Safe is transmitted to the webserver, carries out network payment behavior;

S210, bank's mobile payment server is carried out after settlement process, and feedback, which is paid, completes information.

The data transfer and ciphering process in S208 are specifically described below in conjunction with Fig. 3:

Fig. 3 is the flow chart of data transfer according to the preferred embodiment of the invention and encryption, as shown in figure 3, flow master Comprise the following steps:

S302, terminal sends the digital certificate in request reading NFC mobile phone;

End side is set up bottom layer driving by communication interface with the baseband chip of NFC mobile phone side and is connected first, and terminal is lateral NFC mobile phone side is sent at the request of the digital certificate for the SE modules storage read in NFC mobile phone, the cell phone system of NFC mobile phone side Manage this request.

S304, the lateral end side of NFC mobile phone sends the Password Input request of digital certificate;

After NFC mobile phone side is responded to request message, message is transmitted to by communication interface by end side, and send numeral The password request of certificate, mobile phone side carries out the processing of message.

S306, end side, by rear, digital certificate is obtained by the SE functions of NFC mobile phone in input digital certificate password;

End side is sent after password, and by IIC, (Inter Integrated Circuit, are internally integrated electricity for NFC mobile phone side Road) communication interface sends the order for obtaining SE digital certificates to NFC module, and digital certificate returns to NFC module, NFC moulds by SE Digital certificate will be sent to mobile phone base band chip by block by IIC interfaces, finally give NFC mobile phone side;Again will NFC mobile phone side Digital certificate is transmitted to end side.

S308, end side carries out encrypted signature to bank account and payment by digital certificate, and terminal most adds at last Account and payment after close send payment instruction by public network to bank's mobile payment server.

For S210 realization, the preferred embodiments of the present invention provide two methods:

(1) fed back by result after bank paying by public network, user is fed back in the form of a web page;

(2) notify that to user the result for alloing user conveniently to be merchandised so both is pacified by way of SMS Entirely and conveniently.

The method of network payment provided using above-described embodiment, solves existing network payment mode security performance relatively low The problem of, and then the security performance for improving network payment mode has been reached, it is also possible to which meeting user chooses aspectant near Distance payment or the demand of network payment mode, so as to improve the effect of Consumer's Experience.

Fig. 4 is the structured flowchart of network payment device according to embodiments of the present invention, and the device is to realize above-mentioned implementation The method of network payment that example is provided, the device includes:Sending module 10, the first receiving module 20, acquisition module 30 and payment Module 40.Wherein, sending module 10, request is paid for being sent to mobile terminal, wherein, the network terminal is connected with internet; Sending module 10 is connected to, in the case of the secure authentication information for judging user's input in mobile terminal is correct, receives and moves The confirmation successful information that dynamic terminal is sent;Acquisition module 30, is connected to the first receiving module 20, for according to confirmation successful information Obtain the encryption information stored in mobile terminal;Payment module 40, is connected to acquisition module 30, for according to encryption information to branch Pay after information is encrypted and carry out network payment.The device can realize the security of network on-line payment mode well.

Fig. 5 is the structured flowchart of preferred network payment mechanism according to embodiments of the present invention, as shown in figure 5, the device is also Including:Second receiving module 50, is connected to payment module 40, is carried out for receiving bank's mobile payment server after settlement process The payment completion message of feedback.

Fig. 6 is the system construction drawing of application network payment mechanism according to the preferred embodiment of the invention, as shown in fig. 6, In the system:Internet payment platform, is primarily referred to as carrying out the transaction platform of the on-line payment of bank by internet;Terminal Side, mainly includes various types of communication terminal, for example, PC, net book, tablet personal computer etc., it is used as the master for carrying out network electronic payment Carrier is wanted, the online e-payment of progress is interacted with mobile banking payment platform;NFC mobile phone side, be primarily referred to as comprising NFC chip and Security Encryption module (SE security modules) and the mobile phone with NFC function.In the present system, mainly use in NFC mobile phone SE security modules ensure the security of network on-line transaction.

Below by the PC sides in Fig. 6 exemplified by being communicated between mobile phone side by USB communication interface, with reference to Fig. 7 to this Communication process is described.

Fig. 7 is the hardware architecture diagram of the system of application network payment mechanism according to the preferred embodiment of the invention, such as Shown in Fig. 7, first, mobile phone side is connected to PC sides by USB, allows the communication process of the two to pass through usb bus to complete, In this example example, PC sides can set a USB host controller, and mobile phone side can set a USB slave unit controller, PC sides USB host controller and the USB slave unit controllers of mobile phone side be attached, and then it is two-way to complete mobile phone side and PC sides The process of communication.In the present embodiment, NFC chip mainly releases SECUREAD using INSIDE SECURE companies, and chip is main Data communication interface be IIC communication interfaces.Mobile phone side base microarray strip is connected by IIC master controllers with NFC chip, NFC cores Piece is as IIC slave unit, and therefore, mobile phone base band chip can be sent by IIC to NFC, and data of the reception from NFC, So that the baseband chip of mobile phone side can be controlled to NFC chip, and data interaction is carried out with NFC chip.While base band Chip will also provide the clock of an outside to NFC chip, be used during for NFC chip internal work.At present, the NFC of main flow Chip and SE combination have two ways:One kind is that SE modules are built directly into NFC chip;Another is that SE modules are one Single chip, is connected by SWP (SingleWire Protocol, single-wire-protocol) with NFC chip, and the present embodiment uses the Two kinds of modes, NFC chip can also provide power supply for SE security module chips, and the communication process of NFC chip and SE chips is logical Cross SWP (single-wire-protocol) transmission data.Therefore, what the hardware that can obtain SE modules by the control to NFC chip was encrypted Digital certificate.In summary, PC sides are communicated by USB interface with mobile phone base band chip, and mobile phone base band chip passes through IIC and NFC Chip communication, NFC chip is communicated by SWP (single-wire-protocol) with SE, finally, and PC sides opponent's pusher side can be completed by driving There is SE so as to obtain by the SE encrypting modules of the transmission control command control mobile phone side to NFC chip in communication and mobile phone side The encryption information such as the digital certificate in module, and then the account amount of money of delivery is added using encryption information such as digital certificates It is close, it is ensured that the safety of network on-line payment.

The network payment device provided using above-described embodiment, solves existing network payment mode security performance relatively low The problem of, and then the security performance for improving network payment mode has been reached, it is also possible to which meeting user chooses aspectant near Distance payment or the demand of network payment mode, so as to improve the effect of Consumer's Experience.

As can be seen from the above description, the present invention realizes following technique effect:Connected by terminal and NFC mobile phone Connect, carry out the mode of network on-line payment using the security module of the hardware in NFC mobile phone, greatly expanded and utilized NFC hands Machine carries out the function of network payment, realizes unified means of payment, you can to utilize traditional NFC closely means of payment, again The network branch of safety can be carried out by using the security module (SE) of the hardware encryption in NFC mobile phone using method of network payment Pay, it is maximized to facilitate user, improve the security performance of network payment.

Obviously, those skilled in the art should be understood that above-mentioned each module of the invention or each step can be with general Computing device realize that they can be concentrated on single computing device, or be distributed in multiple computing devices and constituted Network on, alternatively, the program code that they can be can perform with computing device be realized, it is thus possible to they are stored Performed in the storage device by computing device, and in some cases, can be shown to be performed different from order herein The step of going out or describe, they are either fabricated to each integrated circuit modules respectively or by multiple modules in them or Step is fabricated to single integrated circuit module to realize.So, the present invention is not restricted to any specific hardware and software combination.

The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the invention, for the skill of this area For art personnel, the present invention can have various modifications and variations.Within the spirit and principles of the invention, that is made any repaiies Change, equivalent substitution, improvement etc., should be included in the scope of the protection.

Claims (10)

1. a kind of method of network payment, it is characterised in that including:
The network terminal sends to mobile terminal and pays request, wherein, the network terminal is connected with internet;
The network terminal receives described in the case of the mobile terminal judges that the secure authentication information of user's input is correct The confirmation successful information that mobile terminal is sent;
The network terminal obtains the encryption information stored in the mobile terminal using the confirmation successful information;
The network terminal carries out network payment after payment information is encrypted according to the encryption information.
2. according to the method described in claim 1, it is characterised in that the mobile terminal judges the safety verification letter of user's input Breath, including:
When the mobile terminal receives the payment request, the secure authentication information of user's input is received;
Preset security information according to the mobile terminal is stored in is judged the secure authentication information;
In the case where being judged to being, the confirmation successful information is sent to the network terminal.
3. method according to claim 2, it is characterised in that the preset security information includes one below:Safety is close Code, fingerprint identification information.
4. method according to claim 2, it is characterised in that sent in institute's network terminal to mobile terminal and pay request Before, including:
The network terminal is connected with the mobile terminal one of in the following manner:USB interface, blue tooth interface.
5. method according to claim 2, it is characterised in that
The network terminal is internet terminal, including:The transaction platform of bank's on-line payment is carried out by internet.
6. method according to claim 2, it is characterised in that
The mobile terminal is NFC mobile phone, including:Security Encryption module, wherein, it is stored with the Security Encryption module described Encryption information.
7. method according to claim 6, it is characterised in that the Security Encryption module is safety means SE modules.
8. method according to any one of claim 1 to 7, it is characterised in that the encryption information is digital certificate.
9. a kind of network payment device, it is characterised in that including:
Sending module, request is paid for being sent to mobile terminal, wherein, the network terminal is connected with internet;
First receiving module, in the case of the secure authentication information of mobile terminal judgement user's input is correct, connecing Receive the confirmation successful information that the mobile terminal is sent;
Acquisition module, for obtaining the encryption information stored in the mobile terminal according to the confirmation successful information;
Payment module, for carrying out network payment after payment information is encrypted according to the encryption information.
10. device according to claim 9, it is characterised in that described device also includes:
Second receiving module, the payment completion message fed back for receiving bank's mobile payment server to carry out after settlement process.
CN201110441862.4A 2011-12-26 2011-12-26 Method of network payment and device CN102521744B (en)

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PCT/CN2012/072397 WO2013097358A1 (en) 2011-12-26 2012-03-15 Network payment method and device

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