The system and method for secure payment is realized based on Set Top Box
Technical field
What the present invention relates to is a kind of device and method of television set top box technical field, specifically a kind of system and method realizing secure payment based on Set Top Box.
Background technology
Comprehensive integral translation transformation is started along with Digital Television/IPTV, be that family's coverage rate of the Digital Television of representative is considerably beyond PC with Set Top Box, the bidirectional rebuilding of Digital Television makes TV become the third information terminal after PC and mobile phone, and likely becomes main flow gradually.But it is far from being enough that Digital Television only rests on the simple substituent playing the part of traditional tv, operator is eager to find that user likes, convenient value-added service that promote, that have great market prospect.Current operator faces the problem how rear translation epoch to develop, how based on existing value-added service, as: video request program, data-on-demand, online shopping etc., expand new point of increase, and exploring new operation mode becomes the most important thing.
By analyze existing value-added service find: sponsored program can only pack monthly payment mode, marketing method is dumb, and user interest is not high; The problems such as value-added service is owing to paying tache imperfection or perfect not, and user and service provider's participation enthusiasm are inadequate, and the charge cost of Virtual network operator is high.So we think: sized enterprises in chinese DTV industry chain lacks flexibly means of payment easily, safety, easily means of payment make sized enterprises in chinese DTV industry chain form eucyclic key.
Existing three kinds of typical payment scheme in overall view Digital Television industry, find that user is actual and face two large difficulties, one is the security module that Set Top Box does not possess as POS, cannot ensure the security of concluding the business; Two is that the Payment Card that user uses may exist multiple, such as interchanger, Citizen Card Item, mass transit card etc., can only be bundled in now certain the upper payment of card.Therefore, in a Set Top Box, how realizing safety, and can accept the payment system of various card, is an extremely urgent problem.
Summary of the invention
The present invention is directed to prior art above shortcomings, propose a kind of system and method realizing secure payment based on Set Top Box, the present invention is simple and compact for structure, with low cost, easy and simple to handle and possess unlimited expansion capacity.
The present invention is achieved by the following technical solutions:
The present invention relates to a kind of system realizing secure payment based on Set Top Box, comprise: the security module management system being arranged at CPU (central processing unit) in Set Top Box and secure payment module and being connected with Set Top Box, wherein: secure payment module is connected with the card reader in Set Top Box and transmits account information, CPU (central processing unit) is connected with TV outgoing television signal receive transaction request information, CPU (central processing unit) and secure payment module transfer transaction request information, secure payment module is connected and the lastest imformation of transmission security certificate and algorithm and remote control commands with security module management system respectively by Broadcast and TV system network, security module management system is also connected by network with payment system front end processor and transmits to pay and ask, security module management system is connected with payment backstage and receives the lastest imformation of safety certificate and algorithm, pay backstage be connected with payment system front end processor and transmit the payment information after deciphering and payment result feedback information.
The present invention relates to the safe payment method of said system, comprise the following steps:
Step 1, CPU (central processing unit) receive the transaction request information and type of payment that user selected by televisor, as pay the type, production code member etc. of card that use;
The transaction request information that step 2, secure payment module export according to CPU (central processing unit) and type of payment information, start corresponding encrypted certificate and cryptographic algorithm, and send reading command to card reader, obtains the account information on the card in card reader;
Step 3, CPU (central processing unit) export input password prompt to televisor, and user inputs corresponding password to secure payment module in card reader;
Step 4, secure payment module export the payment information after encryption and password to payment system front end processor, and receive the payment result feedback information that payment system front end processor sends;
When safety certificate needs the secure payment module in renewal or Set Top Box to need to safeguard, safety certificate and algorithm lastest imformation is sent to security module management system by paying backstage, or by security module management system, telemanagement is carried out to secure payment module, carry out safety certificate, the granting of cryptographic algorithm and accepting of increase Payment Card.
The present invention by realizing financial payment module on security control chip, and principle is simple, easy to operate; The renewal system be made up of security module management system and secure payment module, can ensure that Set Top Box still has extremely strong updating ability after mounting with more service needed in satisfied future; The present invention can utilize existing payment platform and network, realizes the universal fast of value-added service, and can connect different payment platforms, realize cross-platform payment, for user provides more more options.
Accompanying drawing explanation
Fig. 1 is present system structural framing figure.
Fig. 2 is method of payment process flow diagram of the present invention.
Fig. 3 is secure payment module what's new figure of the present invention.
Fig. 4 is secure payment functions of modules renewal figure of the present invention.
Embodiment
Elaborate to embodiments of the invention below, the present embodiment is implemented under premised on technical solution of the present invention, give detailed embodiment and concrete operating process, but protection scope of the present invention is not limited to following embodiment.
Embodiment
As shown in Figure 1, the present embodiment comprises: the security module management system being arranged at CPU (central processing unit) in Set Top Box and secure payment module and being connected with Set Top Box, wherein: secure payment module is connected with the card reader in Set Top Box and transmits account information, CPU (central processing unit) is connected with TV outgoing television signal receive transaction request information, CPU (central processing unit) and secure payment module transfer transaction request information, secure payment module is connected and the lastest imformation of transmission security certificate and algorithm and remote control commands with security module management system respectively by Broadcast and TV system network, security module management system is also connected by network with payment system front end processor and transmits to pay and ask, security module management system is connected with payment backstage and receives the lastest imformation of safety certificate and algorithm, pay backstage be connected with payment system front end processor and transmit the payment information after deciphering and payment result feedback information.
Described account information comprises: the card number of bank card or Payment Card, holder, password and balance amount information etc.
Described safety certificate and algorithm refer to: the certificate for accepting payment information meeting financial industry or other industry standard.
Described remote control commands refers to: the instruction that the certificate that security module management system is supported secure payment module and algorithm manage (comprise installation, upgrade, delete).
The present invention relates to the safe payment method of said system, comprise the following steps:
Step 1, CPU (central processing unit) receive the transaction request information and type of payment that user selected by televisor, as pay the type, production code member etc. of card that use;
The transaction request information that step 2, secure payment module export according to CPU (central processing unit) and type of payment information, start corresponding encrypted certificate and cryptographic algorithm, and send reading command to card reader, obtains the account information on the card in card reader;
Step 3, CPU (central processing unit) export input password prompt to televisor, and user inputs corresponding password to secure payment module in card reader;
Step 4, secure payment module export the payment information after encryption and password to payment system front end processor, and receive the payment result feedback information that payment system front end processor sends;
When safety certificate needs the secure payment module in renewal or Set Top Box to need to safeguard, safety certificate and algorithm lastest imformation is sent to security module management system by paying backstage, or by security module management system, telemanagement is carried out to secure payment module, carry out safety certificate, the granting of cryptographic algorithm and accepting of increase Payment Card.