CN102542444A - Method, device and system for carrying out identity verification of mobile payment - Google Patents
Method, device and system for carrying out identity verification of mobile payment Download PDFInfo
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- CN102542444A CN102542444A CN2011104356187A CN201110435618A CN102542444A CN 102542444 A CN102542444 A CN 102542444A CN 2011104356187 A CN2011104356187 A CN 2011104356187A CN 201110435618 A CN201110435618 A CN 201110435618A CN 102542444 A CN102542444 A CN 102542444A
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Abstract
The invention provides a method, a device and a system for carrying out identity verification of mobile payment, relates to the field of the mobile payment and solves the problems of poor safety and operation convenience of the existing mode of completing ''verification of a legal identity of a user'' of the mobile payment by using a static PIN (Personal Identification Number) code. The method comprises the following steps that: a fingerprint acquisition module at a client terminal side acquires safety information to be verified of the transaction; a safety unit at the client terminal side acquires the safety information to be verified of the transaction, which is processed by the fingerprint acquisition module; the safety unit compares the safety information to be verified with preset standard safety information; and when the safety information to be verified is consistent with the standard safety information, the safety unit judges that authentication is successful and the mobile payment process is continued. The technical scheme provided by the invention is suitable for the mobile payment and the safe, rapid and convenient verification of the user identity is implemented.
Description
Technical field
The present invention relates to the mobile payment field, relate in particular to mobile payment auth method, device and system.
Background technology
Along with the development of technology, mobile payment is ripe gradually, and the standard of especially domestic mobile payment is gradually bright and clear, and as a kind of embodiment of convenient life, mobile payment will welcome the spring of a fast development.Yet " checking of user's legal identity " during mobile payment is at present used realizes based on static PIN code that mainly there are many drawbacks in this kind mode.
Application and function according to this programme realize, sketch following technical background:
1) mobile payment technology
Mobile payment allows the user to use its portable terminal that a kind of method of service that account is paid is carried out in the commodity or the service of being consumed exactly, is the payment solution that a kind of terminal technology combines with the ICC technology.On the modes of payments, mobile payment mainly is divided near field payment and two kinds of remote payments (as shown in Figure 1).The realization of mobile payment end side mainly comprises three key elements: portable terminal, based on the safe unit of ICC technology (Secure Element, SE) and be used for the client software that managing payment is used.
Wherein SE is an integrated chip module of functions such as CPU, storer, and it mainly acts on the dynamic load that comprise storage payment type application and key, storage userspersonal information and payment card information, the many application of support.It is thus clear that SE is an important hardware composition of realizing that payment is used.Also therefore, according to the difference of SE deployed position on the portable terminal, the scheme of mobile payment roughly has following three kinds:
1. SIM scheme, SE is integrated on the SIM.
2. full terminal scheme, SE is integrated on the terminal, becomes parts at terminal.
3. SD card scheme, SE is integrated on the SD card.
And the inner structure of SE is as shown in Figure 2.
At present, " checking of user's legal identity " of mobile payment mainly realizes based on static PIN code, but has following drawback usually:
1) there is the problem of memory trouble in static PIN code; Some user forgets for anti-, through regular meeting password is write somewhere, has both existed to use trouble also to have the risk of revealing; And the use fingerprint authentication, will there be above trouble in the user, and user's finger is a password.
2) there is the risk that is prone to crack in static PIN code; On the one hand, the user possibly often be made as closely bound up numeral of birthday or some and user with password for the ease of memory, is so very easily obtained by other people; On the other hand, after being intercepted and captured, very easily be cracked by malice virus.
3) there is the loaded down with trivial details problem of input.
To sum up, the static PIN code of existing use is accomplished " checking of user's legal identity " of mobile payment, has the relatively poor problem of security and simple operation property.
Summary of the invention
The invention provides a kind of mobile payment auth method, device and system, solved mode security and the relatively poor problem of simple operation property that the static PIN code of existing use is accomplished " checking of user's legal identity " of mobile payment.
A kind of mobile payment auth method comprises:
The finger print acquisition module of client terminal side obtains the security information to be verified of this transaction;
The SE of client terminal side obtains the security information to be verified of this transaction after said finger print acquisition module is handled;
Said SE compares said security information to be verified with the standard security information that presets;
When said security information to be verified was consistent with said standard security information, said SE judged the authentication success, continues the mobile payment flow process.
Preferably, after the step that said SE compares said security information to be verified and the standard security information that presets, also comprise:
When said security information to be verified and said standard security information inconsistency, said SE judges failed authentication, obtains the security information to be verified of this transaction again.
Preferably, above-mentioned mobile payment auth method also comprises:
When the client terminal side was launched mobile payment function for the first time, the SE of this client terminal side write down security information that said finger print acquisition module obtains first as standard security information.
Preferably, above-mentioned mobile payment auth method also comprises:
The standard security information of the SE record of the said client terminal side of maintenance and management.
Preferably, said security information is specially finger print information.
The present invention also provides a kind of mobile payment authentication means, is integrated in client terminal, comprising:
The security information acquisition module is used to obtain the security information to be verified of this transaction after finger print acquisition module is handled;
The security information authentication module is used for said security information to be verified is compared with the standard security information that presets;
Execution module is used for when said security information to be verified is consistent with said standard security information as a result, judges the authentication success, continues the mobile payment flow process.
Preferably, said execution module as a result also is used for when said security information to be verified and said standard security information inconsistency, judges failed authentication, obtains the security information to be verified of this transaction again;
Preferably, above-mentioned mobile payment authentication means also comprises:
The standard security information management module is used for when the client terminal side is launched mobile payment function for the first time, record standard security information, and the said standard security information of maintenance and management.
The present invention also provides a kind of mobile payment authentication system, and this system comprises client modules, finger print information acquisition module, application processor and SE;
Said client modules is used for management and coordinates the checking flow process, and guides user is accomplished the typing of said security information to be verified and checking result's affirmation as requested;
Said finger print information acquisition module is used to obtain the security information to be verified of this transaction;
Said SE is used for said security information to be verified is compared with the standard security information that presets, and when said security information to be verified is consistent with said standard security information, judges the authentication success, continues the mobile payment flow process;
Said application processor is used for the information interaction between said client modules, said finger print information acquisition module and the said SE.
Preferably, said SE also is used for when said security information to be verified and said standard security information inconsistency, and said SE judges failed authentication, re-authenticates to said client modules feedback authenticating result and application.
The invention provides a kind of mobile payment auth method, device and system; The finger print acquisition module of client terminal side obtains the security information to be verified of this transaction, and the SE of client terminal side obtains the security information to be verified of this transaction after the said finger print acquisition module of hanging oneself is handled; Said SE compares said security information to be verified with the standard security information that presets; And when said security information to be verified was consistent with said standard security information, said SE judged the authentication success, continues the mobile payment flow process; Realized when the client terminal side is through the inner completion of SE authentication; The user only need point gently and one press, and can accomplish checking, has solved security and the relatively poor problem of simple operation property that the static PIN code of existing use is accomplished " checking of user's legal identity " mode of mobile payment.
Description of drawings
Fig. 1 is the mobile payment service block diagram;
Fig. 2 is a SE inner structure synoptic diagram;
The structural representation of a kind of mobile payment authentication means that Fig. 3 provides for embodiments of the invention one;
The structural representation of a kind of mobile payment authentication system that Fig. 4 provides for embodiments of the invention one;
The process flow diagram of a kind of mobile payment auth method that Fig. 5 provides for embodiments of the invention two;
Fig. 6 is the fingerprint collecting schematic flow sheet;
Fig. 7 is the synoptic diagram of authorizing procedure;
Fig. 8 is the transaction flow synoptic diagram;
Fig. 9 is the settlement process synoptic diagram after the authentication success;
Figure 10 is the treatment scheme synoptic diagram behind the failed authentication.
Embodiment
At present, " checking of user's legal identity " of mobile payment mainly realizes based on static PIN code, but has following drawback usually:
1) there is the problem of memory trouble in static PIN code; Some user forgets for anti-, through regular meeting password is write somewhere, has both existed to use trouble also to have the risk of revealing; And the use fingerprint authentication, will there be above trouble in the user, and user's finger is a password.
2) there is the risk that is prone to crack in static PIN code; On the one hand, the user possibly often be made as closely bound up numeral of birthday or some and user with password for the ease of memory, is so very easily obtained by other people; On the other hand, after being intercepted and captured, very easily be cracked by malice virus.
3) there is the loaded down with trivial details problem of input.
In order to address the above problem, embodiments of the invention provide a kind of mobile payment auth method.Hereinafter will combine accompanying drawing that embodiments of the invention are elaborated.Need to prove that under the situation of not conflicting, embodiment among the application and the characteristic among the embodiment be combination in any each other.
At first, in conjunction with accompanying drawing, embodiments of the invention one are described.
The embodiment of the invention provides a kind of device of mobile payment authentication, is integrated in client terminal, is mainly used in the user in the transaction flow of mobile payment, carries out Trading Authorization, and the structure of this device is as shown in Figure 3, comprising:
Security information acquisition module 301 is used to obtain the security information to be verified of this transaction after finger print acquisition module is handled;
Security information authentication module 302 is used for said security information to be verified is compared with the standard security information that presets;
Preferably, said execution module as a result 303 also is used for when said security information to be verified and said standard security information inconsistency, judges failed authentication, obtains the security information to be verified of this transaction again;
Preferably, above-mentioned mobile payment authentication means also comprises:
Standard security information management module 304 is used for when the client terminal side is launched mobile payment function for the first time, the SE record standard security information of this client terminal side.
The security information that above-mentioned mobile payment authentication means is supported can be finger print information, also can be passwords such as PIN code.
The embodiment of the invention also provides a kind of mobile payment authentication system, and its structure is as shown in Figure 4, comprising:
Said finger print information acquisition module 402 is used to obtain the security information to be verified of this transaction;
Said SE404 is used for said security information to be verified is compared with the standard security information that presets, and when said security information to be verified is consistent with said standard security information, judges the authentication success, continues the mobile payment flow process;
Said application processor 403 is used for the information interaction between said client modules 401, said finger print information acquisition module 402 and the said SE404.
Preferably, said SE404 also is used for when said security information to be verified and said standard security information inconsistency, judges failed authentication, and to said client modules feedback authenticating result, and application re-authenticates;
The user is through the original security information to be verified of said finger print information acquisition module 402 typings, after said finger print information acquisition module 402 is handled, becomes said security information to be verified, and it is transferred to said SE404 compares again.
Preferably, said security information is specially finger print information.
Below, the embodiment of the invention is described further.The related SE of the embodiment of the invention can be integrated on the terminal, also can be integrated on SD card or the SIM.
Wherein, client modules 401 is used for the management of account, transaction and authentication to the user.Present in fact payment is used all has client to participate in, and realizes the mobile payment verification system that embodiments of the invention provided, and only needs on existing client basis, to transform, and the application function that increases management finger print information and finger print identifying gets final product; Increase finger print acquisition module in end side simultaneously, in order to gather user's finger print information; SE is the module of related operation in user account information storage, trade management, finger print information storage and comparison, the processing transaction flow.
Below in conjunction with accompanying drawing, embodiments of the invention two are described.
The embodiment of the invention provides a kind of mobile payment auth method; Use this method; It still is finger print information with the security information; Portable terminal is as carrier, and is as shown in Figure 5 in conjunction with the flow process that Fig. 3 and mobile payment authentication system shown in Figure 4 and mobile payment authentication means are accomplished user's authentication in the mobile payment process, comprising:
1) fingerprint collecting and storing process:
Step 501, when the client terminal side is launched mobile payment function for the first time, the SE of this client terminal side writes down security information that said finger print acquisition module obtains first as standard security information;
In the embodiment of the invention, security information is specially finger print information.The collection of fingerprint is accomplished through the finger print acquisition module that is integrated on the portable terminal, and this module includes fingerprint sensor and coprocessor two parts.Fingerprint sensor is responsible for obtaining user fingerprint image; Coprocessor is responsible for user's fingerprint image is carried out pre-service and unique point collection, and with after the characteristic point data encryption of gathering, is transferred to SE through application processor, and is as shown in Figure 6.
The user must back up the finger print data of oneself earlier, i.e. the record standard finger print information in SE when using first.This recording process can be in service organization, accomplishes through special read-write equipment, and also can be that user oneself accomplishes under the guidance of client software; If the user accomplishes voluntarily, the process of then gathering in the process of typing fingerprint and the daily use is identical.
At first, through finger print acquisition module the finger print information that collects is transferred to SE, SE stores information after obtaining finger print information with specific document form, and in file structure, increases the corresponding special catalogue, in order to calling.
Preferably, can also manage the finger print data of having stored, like operations such as modification, deletions, idiographic flow is following:
At first, the user gets into payment through client and uses, and " fingerprint management " selecting to have increased used, and gets into the fingerprint management interface.In the interface of fingerprint management, offer the user and open fingerprint authentication, close fingerprint authentication, change three basic functions of checking fingerprint.
If 1. the user uses first, then point out the user " this is used for first and uses, and needs the input fingerprint to activate ", and request user typing is in order to the fingerprint of checking.The user with the fingerprint typing after, according to the mechanism of a last trifle, will be stored in corresponding finger print information among the SE, in order to calling.After the fingerprint typing success, remind the user to confirm, and return main interface.
During 2. non-first use, do not reresent the user and activate.
3. the user can close if will close the finger print identifying fingerprint mandate through setting before earlier.
4. the user can revise the finger print information in order to checking, but the change finger print information, also need be through the fingerprint mandate of setting before.
5. the security strategy of finger print information EF file: generally speaking, be stored in finger print information file attribute among the SE and be set to not readablely, except that the inner COS of SE, any other application program all can not read finger print information arbitrarily like this.When needs are read and write and are called the finger print information file, all need obtain mandate through finger print acquisition module, promptly must could accomplish through user intervention.
2) checking in the transaction flow
The finger print acquisition module of step 502, client terminal side obtains the security information to be verified of this transaction;
The SE of step 503, client terminal side obtains the security information to be verified of this transaction after the said finger print acquisition module of hanging oneself is handled;
The user is when using mobile payment to conclude the business, and at first trade company activates " payment is used " of client through the mobile network; Client is sent instructing to SE of " transaction request " through application processor, to activate the payment function of storing among the SE; SE feeds back to client with accounts information as requested; The detailed list that the user this time concludes the business through the client inspection, and select corresponding payment accounts (, directly being for further processing) to settle accounts if single number of the account also can consider to skip over the selection of payment accounts, as shown in Figure 7.
When the user confirm to conclude the business detailed single with the transaction number of the account errorless after; Then can select to confirm payment; This moment, SE obtained user's authentication information to client-requested; Client is according to the request of SE, to finger print acquisition module application finger print information to be verified, and activates the application of finger print acquisition module through application processor; The user according to set before the zone typing of the finger print acquisition module of Client-Prompt appointment at the terminal (this moment, finger print acquisition module also should have " prompting " strategy in order to the fingerprint that carries out authentication; Like bright lamp or other forms of prompting, guides user is accomplished the typing of fingerprint with correct mode); Finger print acquisition module carries out pre-service and encryption earlier after collecting user's fingerprint image, then information is transferred to SE through application processor and compares.
Step 504, said SE compare said security information to be verified with the standard security information that presets;
In this step, SE is after obtaining the finger print information of being sent here by finger print acquisition module to be verified, and at first foundation is deciphered data with the decruption key that finger print acquisition module is decided through consultation, obtains original plaintext; Afterwards, SE calls the standard finger print information (standard security information) that backs up in the special-purpose EF file and compares according to the internal file strategy.Comparison result has following two kinds of possibilities:
1. compare successfully, finger print information promptly to be verified is consistent with the standard finger print information, then changes step 504 over to.
2. comparison failure, finger print information promptly to be verified and standard finger print information are inconsistent, then change step 505 over to.
Step 505, when said security information to be verified is consistent with said standard security information, said SE judges the authentication success, continues the mobile payment flow process;
In this step, based on the result of determination of step 504, SE judges the authentication success, accomplishes transaction.SE carries out long-range clearing through carrier network with the clearing service platform that the detail of this transaction sends financial institution to afterwards.
After the long-range clearing success, SE is through the instruction of application processor to client feedback Transaction Success, and prompting user's " Transaction Success " returns trade company interface or client master interface, and schematic flow sheet is as shown in Figure 8.
If long-range clearing make mistakes (possibly be system's reason, also possibly be that Sorry, your ticket has not enough value for user account), then the settlement platform refusal is settled accounts, and feedback refusal information is given SE.SE informs the user with the information and the concrete reason of Fail Transaction through client after obtaining feedback, the user returns trade company interface or client master interface after affirmation.
Step 506, when said security information to be verified and said standard security information inconsistency, said SE judges failed authentication, obtains the security information to be verified of this transaction again;
In this step, based on the comparing result of step 504, SE judges failed authentication.The reason that causes failed authentication possibly be that user's method of application is improper, also possibly be illegal use, so need carry out authentication once more, the treatment scheme of failed authentication is as shown in Figure 9.
The mobile payment auth method that embodiments of the invention provide; Can combine with mobile payment authentication means and the system that embodiments of the invention are provided; The finger print acquisition module of client terminal side obtains the security information to be verified of this transaction, and the SE of client terminal side obtains the security information to be verified of this transaction after the said finger print acquisition module of hanging oneself is handled; Said SE compares said security information to be verified with the standard security information that presets; And when said security information to be verified was consistent with said standard security information, said SE judged the authentication success, continues the mobile payment flow process; Realized when the client terminal side is through the inner completion of SE authentication; The user only need point gently and one press, and can accomplish checking, has solved security and the relatively poor problem of simple operation property that the static PIN code of existing use is accomplished " checking of user's legal identity " mode of mobile payment.
The comparison of user fingerprints information has effectively ensured the safety of user profile in the inner completion of SE.Though the realization of this application relates to the flow process of many complicacies, for the user, need only point checking and get final product, it is extremely convenient to use.In addition, the binary authentication means that can also use fingerprint to combine with traditional PIN code further strengthen the security of authentication.
In addition, the authentication when the user launches the mobile payment client also can be utilized method of the present invention.Idiographic flow is: client through application processor, is sent one and is obtained the instructing to finger print acquisition module of authentication when being activated; After the user passed through finger print acquisition module typing finger print information to be verified, finger print information was transferred to SE through application processor, and finger print acquisition module sends instructing to SE of " request comparison ", the Authentication mechanism among the activation SE simultaneously; SE feeds back to client with comparison result through application processor, and client is according to comparison result, and whether decision opens client application.More than can be described as " landing authentication " in the mobile payment application, because therefore the reliability of fingerprint authentication does not consider the repeatedly situation of input validation information errors.Figure 10 is the synoptic diagram that lands authorizing procedure.
The all or part of step that the one of ordinary skill in the art will appreciate that the foregoing description program circuit that can use a computer is realized; Said computer program can be stored in the computer-readable recording medium; Said computer program (like system, equipment, system, device etc.) on the relevant hardware platform is carried out; When carrying out, comprise one of step or its combination of method embodiment.
Alternatively, all or part of step of the foregoing description also can use integrated circuit to realize, these steps can be made into integrated circuit modules one by one respectively, perhaps a plurality of modules in them or step is made into the single integrated circuit module and realizes.Like this, the present invention is not restricted to any specific hardware and software combination.
Each system/functional module/functional unit in the foregoing description can adopt the general calculation system to realize, they can concentrate on the single computing system, also can be distributed on the network that a plurality of computing system forms.
Each system/functional module/functional unit in the foregoing description is realized with the form of software function module and during as independently production marketing or use, can be stored in the computer read/write memory medium.The above-mentioned computer read/write memory medium of mentioning can be a ROM (read-only memory), disk or CD etc.
Any technician who is familiar with the present technique field can expect changing or replacement in the technical scope that the present invention discloses easily, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the described protection domain of claim.
Claims (10)
1. a mobile payment auth method is characterized in that, comprising:
The finger print acquisition module of client terminal side obtains the security information to be verified of this transaction;
The safe unit of client terminal side obtains the security information to be verified of this transaction after said finger print acquisition module is handled;
Said safe unit is compared said security information to be verified with the standard security information that presets;
When said security information to be verified was consistent with said standard security information, said safe unit was judged the authentication success, continues the mobile payment flow process.
2. mobile payment auth method according to claim 1 is characterized in that, after the step that said safe unit is compared said security information to be verified and the standard security information that presets, also comprises:
When said security information to be verified and said standard security information inconsistency, said safe unit is judged failed authentication, obtains the security information to be verified of this transaction again.
3. mobile payment auth method according to claim 1 is characterized in that, this method also comprises:
When the client terminal side is launched mobile payment function for the first time, the safe unit record standard security information of this client terminal side.
4. mobile payment auth method according to claim 3 is characterized in that, this method also comprises:
The standard security information of the safe unit record of the said client terminal side of maintenance and management.
5. according to the described mobile payment auth method of claim 1 to 4, it is characterized in that said security information is specially finger print information.
6. a mobile payment authentication means is integrated in client terminal, it is characterized in that, comprising:
The security information acquisition module is used to obtain the security information to be verified of this transaction after finger print acquisition module is handled;
The security information authentication module is used for said security information to be verified is compared with the standard security information that presets;
Execution module is used for when said security information to be verified is consistent with said standard security information as a result, judges the authentication success, continues the mobile payment flow process.
7. mobile payment authentication means according to claim 6 is characterized in that,
Said execution module as a result also is used for when said security information to be verified and said standard security information inconsistency, judges failed authentication, obtains the security information to be verified of this transaction again;
8. mobile payment authentication means according to claim 7 is characterized in that, this device also comprises:
The standard security information management module is used for when the client terminal side is launched mobile payment function for the first time, record standard security information, and the said standard security information of maintenance and management.
9. a mobile payment authentication system is characterized in that, this system comprises client modules, finger print information acquisition module, application processor and safe unit;
Said client modules is used for management and coordinates the checking flow process, and guides user is accomplished the typing of said security information to be verified and checking result's affirmation as requested;
Said finger print information acquisition module is used to obtain the security information to be verified of this transaction;
Said safe unit is used for said security information to be verified is compared with the standard security information that presets, and when said security information to be verified is consistent with said standard security information, judges the authentication success, continues the mobile payment flow process;
Said application processor is used for the information interaction between said client modules, said finger print information acquisition module and the said safe unit.
10. mobile payment authentication system according to claim 9 is characterized in that,
Said safe unit also is used for when said security information to be verified and said standard security information inconsistency, and said safe unit is judged failed authentication, re-authenticates to said client modules feedback authenticating result and application.
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| CN2011104356187A CN102542444A (en) | 2011-12-22 | 2011-12-22 | Method, device and system for carrying out identity verification of mobile payment |
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| CN2011104356187A CN102542444A (en) | 2011-12-22 | 2011-12-22 | Method, device and system for carrying out identity verification of mobile payment |
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